Private Lending.
Built for Investors.

Fast closes, flexible terms, and access to private capital most lenders can't offer. Whether you're flipping, building, bridging, or holding — we have a loan product built for how you invest.

Get Funded Today
3–7
Day Close (Fix & Flip)
90%
Max LTC Available
$7.5M+
Max Loan Amount
4
Loan Products
Fix & Flip Loans

Funding Designed Around
How You Invest.

Terms structured around your experience — rewarding seasoned investors with better leverage and pricing.

📅
Loan Term
6 – 12 Months
💵
Payments
Interest-Only
💰
Loan Amounts
$85,000 – $3,000,000+
🏠
Property Types
SFR, Townhomes, 2–4 Unit, Multi-Family
⚡
Closing Timeline
3–7 Business Days
🚪
Exit Strategy
Sale or Long-Term Refinance
🟢 Tier 1
New Investor
0–2 Completed Flips
Max LTCUp to 80%
Max LTV (ARV)Up to 70%
Interest Rate11% – 13%
Points2 – 3
Min Credit680
ReservesDown + 6 Mo. Interest
🔵 Tier 2
Intermediate
3–9 Completed Flips
Max LTCUp to 85%
Max LTV (ARV)Up to 70%
Interest Rate10% – 12%
Points1.5 – 2.5
Min Credit660
ReservesDown + 4 Mo. Interest
🟣 Tier 3
Experienced
10+ Completed Flips
Max LTCUp to 90%
Max LTV (ARV)Up to 75%
Interest Rate9.5% – 11%
Points1 – 2
Min Credit640 Preferred
Reserves3–6 Mo. Interest

💳 Credit Guidelines

Applies across all tiers. Approval is primarily asset-based — the strength of the deal matters most.

  • Middle FICO score used for qualification
  • No recent bankruptcies (within 2 years preferred)
  • No active foreclosures
  • 0×30 late payments in last 12 months preferred
  • LLC / Corp borrowing allowed with personal guarantee

💰 Liquidity Guidelines

Reserves ensure you can carry the project if timelines shift. Acceptable sources include:

  • Business or personal bank accounts
  • Verified retirement accounts (subject to discounting)
  • Marketable securities
New Construction Loans

From Dirt to Doors —
We Fund the Build.

Ground-up construction financing for spec builders and developers, structured around your build experience.

📅
Loan Term
12 – 18 Months
💵
Payments
Interest-Only During Construction
💰
Loan Amounts
$150,000 – $5,000,000+
🏠
Property Types
SFR Spec, Townhomes, 2–4 Unit
⚡
Closing Timeline
7–10 Business Days
🚪
Exit Strategy
Sell or Refi into DSCR / Rental
🟢 Tier 1
Emerging Builder
0–2 Ground-Up Projects
Max LTCUp to 75%
Max LTV (As-Completed)Up to 65%
Interest Rate11% – 13%
Points2 – 3
Min Credit700
ReservesDown + 6 Mo. + 10% Build Budget
🔵 Tier 2
Active Builder
3–9 Completed Projects
Max LTCUp to 80%
Max LTV (As-Completed)Up to 70%
Interest Rate10% – 12%
Points1.5 – 2.5
Min Credit700
ReservesDown + 4 Mo. + 5% Build Budget
🟣 Tier 3
Professional Builder
10+ Completed Projects
Max LTCUp to 85%
Max LTV (As-Completed)Up to 75%
Interest Rate9.5% – 11%
Points1.5 – 2.5
Min Credit680 Preferred
ReservesDown + 3–6 Mo. Interest

💳 Credit Guidelines

Execution history matters heavily for ground-up projects. Approval is asset-focused.

  • Middle FICO score used
  • No recent bankruptcies (within 2 years preferred)
  • No active foreclosures
  • Clean mortgage history preferred (0×30 in last 12 months)
  • LLC / Corporation allowed with personal guarantee
  • Builder resume required

💰 Liquidity Requirements

Strong liquidity ensures the builder can handle delays, cost overruns, or market shifts.

  • Personal or business bank accounts
  • Retirement accounts (discounted value)
  • Marketable securities
Bridge Loans

Short-Term Capital.
Long-Term Strategy.

Fast, flexible financing to stabilize, refinance, reposition, or transition between deals. Designed for investors who need speed without long-term commitment.

📅
Loan Term
6 – 24 Months
💵
Payments
Interest-Only
💰
Loan Amounts
$100,000 – $7,500,000+
🏠
Property Types
SFR, 2–4 Unit, Small Multifamily
⚡
Closing Timeline
5–7 Business Days
🚫
Prepayment Penalty
None
🟢 Tier 1
Emerging Investor
0–2 Projects
Max LTV (As-Is)Up to 65%
Max LTC (w/ Rehab)Up to 75%
Interest Rate10.5% – 12.5%
Points2 – 3
Min Credit680
Reserves4–6 Mo. Interest
🔵 Tier 2
Active Investor
3–9 Projects
Max LTVUp to 70%
Max LTCUp to 80%
Interest Rate9.75% – 11.5%
Points1.5 – 2.5
Min Credit660
Reserves4 Mo. Interest
🟣 Tier 3
Professional Investor
10+ Projects
Max LTVUp to 75%
Max LTCUp to 85%
Interest Rate9.5% – 11%
Points1 – 2
Min Credit650 Preferred
Reserves4 Mo. Interest

💳 Credit Guidelines

Approval is primarily asset-based — strong equity and a clear exit strategy matter most.

  • Middle FICO score used
  • No active foreclosures
  • No recent bankruptcy (within 2 years preferred)
  • Clean mortgage history preferred
  • LLC / Corp borrowing allowed with personal guarantee

💰 Liquidity Guidelines

Reserves ensure the borrower can carry the property until refinance or sale.

  • Business or personal bank accounts
  • Retirement accounts (discounted value)
  • Marketable securities
DSCR Rental Loans

Qualify on the
Property's Performance.

No personal income documentation required. We lend based on the property's cash flow — not your W-2.

📊 What Is DSCR?

DSCR = Monthly Rental Income ÷ Monthly PITIA Payment
Monthly Rent: $2,500
Monthly PITIA: $2,000
DSCR: 2,500 ÷ 2,000 = 1.25 ✓ Strong profile
📅
Loan Term
30-Year Fixed
💰
Loan Amounts
$100,000 – $5,000,000+
🏠
Property Types
SFR, Townhomes, 2–4 Unit, 5–10 Unit
💵
Cash-Out
Allowed
⚡
Closing Timeline
10–14 Business Days
📄
Income Docs
Not Required
🟢 Tier 1
DSCR 1.00 – 1.09
Property breaks even or slightly above
Max LTVUp to 70%
PricingHigher Tier Pricing
Min Credit680
Reserves4 Mo. PITIA
🔵 Tier 2
DSCR 1.10 – 1.24
Solid cash flow above breakeven
Max LTVUp to 75%
PricingCompetitive Pricing
Min Credit660 – 680
Reserves4 Mo. PITIA
🟣 Tier 3
DSCR 1.25+
Strong cash-flowing property
Max LTVUp to 80%
PricingBest Pricing Tier
Min Credit660+ (680+ for higher LTV)
Reserves3 Mo. PITIA

💳 Credit Guidelines

We do not calculate personal DTI. Approval is based on property performance.

  • Minimum FICO: 640 (680+ preferred for higher LTV)
  • No recent bankruptcies (2 years preferred)
  • No active foreclosures
  • Limited late payments in last 12 months
  • LLC / Corporate borrowing allowed
  • No income documentation required

💰 Liquidity Requirements

Standard reserve requirement is 3–6 months of PITIA per property. Acceptable sources:

  • Personal or business bank accounts
  • Retirement accounts (discounted)
  • Marketable securities

Ready to Fund Your Next Deal?

Let's talk about your project. We move fast, we're straightforward, and we want to see you win.

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