Loan program
Real Estate Lending Programs
Flexible financing for investors and business owners. From fix-and-flip to permanent financing, we connect you with lenders who specialize in commercial and investment real estate.
- Fix & Flip: up to 90% ARV, 6–18 month terms, interest-only, funding in 7–14 days
- DSCR Loans: 30-year fixed or ARM, 1.0+ DSCR required, no income verification
- Bridge Loans: up to 80% LTV, 6–24 month terms, closing in 7–21 days
- Construction Loans: up to 85% LTC, 12–24 month terms, draw schedules
- Permanent Financing: 20–30 year amortization, multifamily, retail, office
- Cash-Out Refinance: up to 75% LTV, portfolio refinancing available
- Personal credit score of 640+ required
- Down payment of 10–30% depending on loan type
- Rates: Fix & Flip 9–14%, DSCR 6.5–10%, Bridge 8–12%, Construction 9–13%, Permanent 5.5–8%
Loan Programs & Terms
| Loan Type | LTV | Rate Range | Term |
|---|---|---|---|
| Fix & Flip | 70–90% ARV | 9–14% | 6–18 mo |
| DSCR | 75–80% | 6.5–10% | 30 yr |
| Bridge | 70–80% | 8–12% | 6–24 mo |
| Construction | 80–85% LTC | 9–13% | 12–24 mo |
| Permanent | 75–80% | 5.5–8% | 20–30 yr |
Rates and terms vary based on property type, borrower experience, and market conditions.
Property Types We Finance
Residential Investment: Single-family, 2–4 unit, 5+ multifamily, condos & townhomes.
Commercial: Office buildings, retail centers, warehouses, industrial.
Specialty: Mixed-use, self-storage, mobile home parks, hospitality.
Qualification Requirements
General Requirements:
- Personal credit score of 640+
- Down payment of 10–30% depending on loan type
- Reserves (typically 6–12 months PITI)
- Proof of funds for down payment and closing costs
- Property appraisal or valuation
- Rental income documentation (for income properties)
For Experienced Investors:
- Schedule of real estate owned (SREO)
- Track record of completed projects (for fix & flip)
- Exit strategy documentation
- Contractor scope of work and budget (for rehab)
Advantages
- Fast funding for time-sensitive deals
- Asset-based underwriting (property focused)
- Less documentation than traditional banks
- Flexible on credit and income for many programs
- Can finance non-warrantable properties
Disadvantages
- Higher rates than conventional mortgages
- Prepayment penalties on some loans
- Requires significant down payment or equity
- Points and fees can be 2–4% of loan
- Personal guarantee typically required
Frequently asked questions
What is a DSCR loan?
DSCR (Debt Service Coverage Ratio) loans are rental property loans based on property income rather than personal income. Most lenders require a minimum DSCR of 1.0–1.25.
What is the difference between a bridge loan and a fix-and-flip loan?
Bridge loans are short-term financing for time-sensitive acquisitions or transitions, typically 6–24 months. Fix-and-flip loans are specifically for purchasing, renovating, and reselling properties, typically 6–18 months.
How fast can I close on a real estate loan?
Fix-and-flip and bridge loans can close in 7–21 days. DSCR loans typically take 30–45 days. Construction loans may take 2–4 weeks.
What credit score do I need for real estate investment loans?
Fix-and-flip and bridge loans typically require a 650+ credit score, while DSCR loans may accept 620+.
Can I use a real estate loan for a primary residence?
Most real estate investment loans are for non-owner-occupied properties.
Ready to get funded?
Apply once and get a clear funding offer in 24–72 hours — no hard credit pull to pre-qualify.
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