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Loan Products

Six financing programs built for every stage of an investment — from your first fix & flip to a 50-property rental portfolio. Pick a tab below.

Loan Product

Fix & Flip Loans

A reliable funding source to purchase, renovate, and sell or rent 1-4 unit residential investment properties — rates starting at 8.25%.*

  • Up to 90% LTC of purchase price
  • Up to 100% of your rehab/construction budget financed
  • Loan sized against after-repair value (ARV), not just purchase price
  • Rehab draws released within 48 hours of inspection
  • No prior flipping experience required
Residential fix and flip property before and after renovation comparison
Loan Snapshot

Fix & Flip terms

Term
12 Mo. Standard
Rehab / Construction Financing
Up to 100%
Maximum LTC
Up to 90%
Maximum LTV (ARV)
Up to 75% ARLTV
Loan Amount
$50K - $3MM
Recourse
Full Recourse
Borrower Type
Entity Required
Minimum Experience
None Required
Loan Purpose
Rehab loan for non-owner-occupied residential investment property
Property Types
Attached/detached SFR, 2-4 unit, townhomes, warrantable condos
Appraisal
Required

*Rate shown is a starting rate for qualified borrowers; your actual rate and term are confirmed in your quote. 18-month term available case-by-case.

Process

Draw schedule made simple

1

Set the Scope of Work

We review your renovation budget and break it into funding milestones tied to your project plan.

2

Complete & Request Draw

Finish a phase of work and submit photos or request a quick inspection.

3

Get Paid, Keep Building

Approved draws are released within 48 hours so your crew never sits idle.

Loan Product

Ground-Up Construction Loans

Land acquisition and vertical construction financing for investors building new single-family homes or small multi-family projects for sale or rent.

  • Land acquisition plus vertical construction costs in one loan
  • Financing based on plans, specs, and projected completed value
  • Milestone-based draws tied to your builder's schedule
  • Available for spec builds and pre-sold/pre-leased projects
  • Experienced-builder and first-time-builder programs available
Ground-up new home construction progression from foundation to framing to completed house
Loan Snapshot

Ground-up construction terms

Loan Amount
$150K - $5M
Max Leverage
Up to 85%
Term Length
12 - 24 Mo.
Recourse
Full Recourse
What You'll Need

Getting your build ready for underwriting

1

Plans & Budget

Architectural plans, a detailed construction budget, and your builder's contractor license.

2

Site Control

Purchase contract or existing ownership of the lot, plus applicable permits or permit timeline.

3

Exit Strategy

Whether you plan to sell, refinance to a DSCR rental loan, or lease up the finished units.

Short-Term

Bridge Loans

Short-term bridge capital to acquire, stabilize, or reposition a residential investment property before moving to permanent financing.

  • Fast closings for time-sensitive acquisitions
  • 12-24 month interest-only terms
  • Ideal for light rehab or lease-up stabilization
  • Bridge directly to permanent DSCR or conventional financing
Loan Snapshot

Bridge terms

Loan Amount
$100K - $4M
Max Leverage
Up to 80%
Term Length
12 - 24 Mo.
Recourse
Full Recourse
Minimum FICO
660
Rural Properties
Not Permitted
Loan Purpose
Bridge financing for a recently renovated or constructed property that's being sold, leased up, or stabilized before permanent financing
Property Types
Single family, 2-4 unit, townhomes, PUD, warrantable condos
Maximum Loan-To-Cost
85% of purchase price + verified completed capex if owned < 6 months
Collateral Restrictions
No rural, exotic, or unique properties
Long-Term

DSCR Rental Loans

Long-term rental financing for 1-4 residential unit investment properties, qualified on the property's rental income (debt-service coverage ratio) instead of your personal tax returns.

  • Available for 1-4 residential unit investment properties
  • 30-year fixed and adjustable options
  • Qualify on lease or market rent, not personal income docs
  • Close in an LLC to keep properties off your personal credit
Loan Snapshot

DSCR terms

Loan Amount
$75K - $2M
Max Leverage
Up to 80%
Term Length
Up to 30 Yr.
Qualification
Property cash flow (DSCR)
Property Type
1-4 Residential Units
Recourse
Full Recourse Only
Rate Types
Fixed & Adjustable
Experience
Not Required
Minimum FICO
660
Borrower Type
Entity Required
Rural Properties
Not Permitted
Foreign Nationals
65% LTV
Property Acquisition Minimum
1 property/loan, up to 4 units
Minimum DSCR (Gross Rent/PITIA)
1.05x
Amortization
Fully amortizing and Partial Interest-Only options available
Loan Purpose
Purchase, rate-term refinance, or cash-out of a single rental property
Property Types
Single family residences (SFR), 2-4 unit, warrantable condos, townhomes, PUD
Vacancy Maximum
Purchases vacant are OK; 1 unit max vacant on a 2-4 unit refinance
Maximum Loan-To-Cost
If owned < 3 months: 80% of total cost basis
Maximum Loan-To-Value (LTV)
Up to 80% on purchase & rate/term; up to 75% on cash-out
Seasoning Requirement
90 days to use value vs. cost basis
Lease Requirements
Leased Units: lower of in-place rent & market rent. Unleased Units: 90% of market rent.
Loan Product

Single Rental Loans

Long-term financing for one investment property, qualified on the property's rental income rather than your personal tax returns.

  • 30-year fixed and 5/1, 7/1 ARM options
  • Qualify on in-place lease or market rent survey
  • Close in an LLC or personal name
  • Available for purchase or rate-and-term / cash-out refinance
Single-family rental investment property
Loan Snapshot

Single rental terms

Loan Amount
$75K - $2M
Max Leverage
Up to 80%
Term Length
Up to 30 Yr.
Income Docs
None — rent-based
Loan Product

Rental Portfolio Loans

One blanket loan across multiple investment properties — simplify your financing, reduce your rate, and manage a single monthly payment instead of a dozen.

  • Finance 5 to 100+ properties under a single loan
  • Qualify on aggregate portfolio cash flow (DSCR)
  • Release individual properties as you sell or refinance them
  • Add newly acquired properties to an existing facility
Aerial view of a rental property portfolio neighborhood
Loan Snapshot

Rental portfolio terms

Loan Amount
$500K - $25M
Max Leverage
Up to 75%
Term Length
5 - 30 Yr.
Structure
Blended DSCR, partial-release

Have a deal ready to fund?

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