DSCR rentals, fix and flip, bridge, ground-up construction, multifamily and mixed-use, and rental portfolio financing — structured, priced, and closed for real estate investors.
PITIA $1,987 · Cash flow +$413/mo · 30-yr fixed. Full calculator full calculator.
Most of this business competes on rate alone. These are the parts that actually show up in what you keep.
Every program can be written with zero points at closing, at rates that stay competitive. That is cash that stays in the deal — toward the down payment, the rehab budget, or your reserves, instead of the settlement statement.
Every program can be written without a prepayment penalty. On a flip that sells in four months or a build whose exit date moves, not paying to get out early is worth more than a few basis points on the rate. On a thirty-year rental you can choose the prepay schedule that matches your hold instead of inheriting one.
A letter reading “approved up to $500,000” on a $250,000 offer tells the seller exactly how much room you have. We issue your letters the same day in custom increments, so you can move fast on a deal and still attach only the one that fits the offer.
Each program is built around a different hold period. Pick the one that matches your exit, not your comfort level. Figures shown are the highest available — your file lands somewhere inside them.
Qualify on the property’s rent, not your tax returns. Purchase, rate-and-term, or cash-out on 1–4 units, condos, and townhomes. No DTI, no W-2s.
Purchase plus 100% of rehab, funded in draws. Priced on your track record and how heavy the scope is, with reimbursements back in a few business days.
Short-term, interest-only capital for auction buys, portfolio moves, cash-out on a stabilized asset, or a refinance you need before the tape is clean.
Lot acquisition and vertical construction for infill builds and spec homes. Interest charged on the drawn balance only, and a first build is workable.
Short-term and mid-term financing on apartment buildings and mixed-use property, including the retail or office space on the ground floor.
One facility across a stabilized rent roll, underwritten on the portfolio rather than any single door. Scattered-site and multi-state accepted.
Still shopping? Pre-approval letters come back the same day — the clock below starts once you are under contract. Timeline assumes a complete submission and a cooperative title company. Both are on you. We arrange financing in 32 states.
Address, purchase price, rehab or rent, and your exit. One paragraph is enough to start.
Leverage, rate, points, and term in writing — with the conditions that could move them.
Entity docs, background and credit, track record, and the appraisal or BPO gets ordered.
Valuation, title, insurance, and budget review. Conditions come back in one list, not five.
Docs out, wire in, recorded. Draw account is live the day after funding.
Term sheet in one business day. No application fee, no credit pull to get pricing.