Capital for Every Strategy
100% financing available · No income docs · No reserves · 650+ FICO · 47 states
Up to 90% CLTV on Investment Property
We now offer up to 90% CLTV on non-owner-occupied investment properties — including deals using seller carrybacks or 2nd liens behind our 1st. Whether your borrower is purchasing or refinancing.
Fix & Flip Bridge Loan
100% of purchase + rehab financed — not to exceed your ARV limit based on credit. No income verification. No interest reserves. No experience required.
- 100% Purchase + Rehab Financed (to ARV limit)
- No Income Verification or Tax Returns
- No Interest Reserves Required
- No Experience Requirements
- 650 Minimum Credit Score
- Borrower must be within 100 miles of property
- 650–699 FICO → 65% ARV max
- 700+ FICO → 70% ARV max
- 700+ with 3 HUDs → 75% ARV max
- Liquidity + Experience = Key Compensating Factors
💡 Minimum reserves = closing costs + 25% of rehab budget. Liquidity & experience are the top compensating factors.
Ground-Up Construction
90% LTC on new builds — horizontal and vertical construction. No experience required. 650+ FICO. NC and nationwide available.
- 90% LTC — Horizontal & Vertical Construction
- No Experience Requirements
- 650 Minimum Credit Score
- No Income Verification
- No Interest Reserves
- Draw-based funding as milestones are hit
- GC approval required (licensed & insured)
- $75K – $1.5M loan amounts
- Borrower within 100 miles of project
- Liquidity is key compensating factor
DSCR Rental Loan
30-year permanent financing based on property cash flow — not personal income. No minimum DSCR. No minimum FICO. Interest-only option available.
- No Income Docs — approval based on cash flow
- No Seasoning on Renovated Properties (use current value)
- No Origination Points — zero-point options available
- Vacant property OK — no tenant required for refi
- Short-Term Rentals OK — use Airbnb/VRBO income
- No DSCR Minimum — low DSCR welcome (higher rate)
- No Minimum FICO — lower credit = higher rate
- Foreign Nationals Welcome (lower LTV + reserves)
- Interest-Only Option — 10yr I/O then 20yr amortized
- Non-Warrantable Condos — up to 75% LTV
- Rural Properties OK — up to 75% LTV
- 30-Year Fixed and ARM options
Multifamily Bridge Loan
Short-term bridge financing for 2–20 unit multifamily properties, mixed-use, and condos. Fast access to capital without the need for immediate sale.
- Collateral: SFR, 2–20 Units, Condos/Townhomes, Mixed-Use
- Purchase: Up to 80% of As-Is Value
- Refinance: Up to 75% of As-Is Value
- Cash-Out: Up to 70% of As-Is Value
- Loan Amounts: $75,000 – $10,000,000
- 660 Minimum Credit Score
- No Experience Required
- Fast Funding — seize opportunities without delay
- Flexible 12–24 month terms
- No immediate sale required
Cash-Out Refinance
Unlock equity in existing investment properties. No seasoning on renovated properties — use current value immediately.
- Up to 70% LTV on non-owner occupied properties
- No Seasoning on Renovated Properties
- Use current appraised value immediately
- Use proceeds for any investment purpose
- Close as LLC or individual
- Bridge to long-term DSCR refinance available
FlexTerm Loan
For real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment. Qualifies on property value — not personal income.
- 30-year fixed rate.
- Interest-only payments up to 10 years.
- Great for qualifying self-employed investors and small business owners.
- Based on property value, not personal income.
- Par pricing, rebates available.
- Property Types: Investor 1-4 (SFR, Condo, and 2-4 Units)
- Property Types: Multi-Family (5+ Units)
- Property Types: Mixed-Use
- Property Types: Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Fast50 Loan
For investors with high equity who seek quick, easy credit qualification. Streamlined underwriting with no seasoning of ownership required — non-owner occupied only.
- Streamlined underwriting.
- No seasoning of ownership required.
- Improved pricing.
- Available as a 30-year fixed loan, amortized over 30 years.
- 50%–90% LTC depending on experience and credit score.
- Non-owner occupied only.
- Property Types: Investor 1-4 (SFR, Condo, and 2-4 Units)
- Property Types: Multi-Family (5+ Units)
- Property Types: Mixed-Use
- Property Types: Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Not Sure Which Program Fits?
Submit your deal details — we'll return a custom quote, usually same day.