Loan Programs

Business-purpose financing for real estate investors and operators, from short-term bridge and construction capital to long-term permanent debt. Send us the right information up front and we turn around executable term sheets quickly.

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bridge-rehab-construction-loans-private-lender

Bridge, Rehab & Construction

Short-term capital to acquire, renovate, build, or reposition.

  • Bridge, rehab and fix & flip, ground-up construction, subdivisions, and multifamily value-add

  • Ground-up must include vertical construction; no land-only or horizontal-only loans

  • SFR, condo, 1–4 unit, and multifamily 5+ with no unit cap; rural and non-rural

  • Loans $1MM – $50MM

  • Bridge up to 65% LTV; construction and rehab up to 85% LTC / 70% LTARV

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permanent-financing-commercial-mortgage-private-lender

Permanent Financing

Long-term debt for stabilized and income-producing property.

  • 1–4 unit SFR, multifamily 5+ (no unit cap), mixed-use, office, retail, industrial, self-storage, restaurant and QSR, mobile home park, hospitality, day care, automotive, commercial condo, short-term rental, and portfolio or blanket loans

  • Loans from $500K, including large loans and portfolio financing

  • Up to 30-year terms at 70–75% LTV

  • Business purpose only

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no-dscr-1-4-unit-investment-property-loan

1–4 Unit Program, Loans up to $10MM

Qualify on the property and the equity, not your tax returns.

  • No DSCR requirement (includes condos and short-term rentals)

  • No personal income check or tax returns

  • No sourcing or seasoning of down payment funds on purchases

  • Loans $500K – $2MM up to 75% LTV; $2MM – $10MM up to 65% LTV

  • Seller financing allowed up to 90% CLTV

  • At 50% LTV or less: no minimum FICO, no minimum tradelines, and no seasoning on BK discharges, prior foreclosures, or prior mortgage lates

  • Loans over $2MM require a 600 minimum score

  • Light underwriting checklist; closings average 2–3 weeks

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