Funding for real estate investors, straight from the lender.

Fix and flip, DSCR rental, bridge, portfolio and ground up construction loans on 1 to 4 unit properties. Work directly with the lender, and close in about three weeks.

Submit your dealCall 949-329-0900
  • About 3 weeksfor most deals to fund
  • 24 to 48 hoursto pay rehab draws
  • 15+ yearsin commercial lending
  • No tax returnsor income verification

Terms at a glance

Pick a loan

Purchase price
Up to 90%
Rehab budget
Up to 100%
Loan to ARV
Up to 75%
Loan amount
$50K to $3.5M
Term
12 months, 18 by review
Rates from10.5%
See full fix and flip terms

Origination 2.50 points under $1M, 2.00 points at $1M and up
Standard lender fees for processing, underwriting, third party reports and legal review are shown up front on your term sheet. No surprises at closing.

Do we lend in your state?

Pick where the property is.

Five loans for the way investors actually work

Every program is for non owner occupied 1 to 4 unit residential property, held in an entity. No tax returns. No income verification.

Fix and Flip

Buy, renovate and sell 1 to 4 unit homes.

  • 90%of purchase
  • 100%of rehab
  • $50K to $3.5Mloan size
  • 10.5%rates from
  • 2.50 ptsunder $1M
See terms

DSCR Rental

Long term loans qualified on the rent, not your tax returns.

  • 80%LTV on purchase
  • 1.10xminimum DSCR
  • 30 yrfixed or ARM
  • 7.5%rates from
  • 2.50 ptsunder $1M
See terms

Bridge

Short term money for finished or rent ready properties.

  • 85%loan to cost
  • 70%loan to value
  • 12 moterm
  • 10.5%rates from
  • 2.50 ptsunder $1M
See terms

Ground Up Construction

Build spec, infill and tear down homes from the ground up.

  • 100%of construction
  • 70%of ARV
  • Up to 24 moterm
  • 11.5%rates from
  • 2.50 ptsunder $1M
See terms

Rental Portfolio

One loan for several rentals in the same state.

  • 1 loanmany rentals
  • 80%LTV on purchase
  • 1.20xminimum DSCR
  • 7.5%rates from
  • 2.50 ptsunder $1M
See terms

From first call to funded

One clear path, one point of contact, and one complete needs list.

  1. Send your deal

    A short form with the property, the numbers and your plan. No credit pull to get started.

  2. Talk to a loan officer

    A loan officer calls you, usually the same business day, to review the deal and structure it.

  3. Get terms and portal access

    You receive your terms and one complete needs list, then upload everything in your own portal.

  4. Close and fund

    Most deals fund in about three weeks. Rehab draws are paid in 24 to 48 hours with Snap Draws.

Rehab draws paid in 24 to 48 hours

With Snap Draws you photograph the completed work on your phone through the portal. We review the photos and release funds, usually within 24 to 48 hours. No waiting on an inspector.

  • For fix and flip, tear down and ground up projects on single unit properties
  • Up to 10% of your rehab budget can be set aside as contingency
  • Track every draw, extension and payoff in your portal

How Snap Draws work

Snap DrawsInspector
Typical turnaround24 to 48 hours3+ business days
Cost per draw$300$270 plus $30 wire
Who documents the workYou, by phoneScheduled site visit

Brokers, bring us your investor deals

Offer five investor loan programs without building a lender relationship from scratch. Your client pays the same fee whether they come through you or directly, so they have no reason to go around you.

  • Your own portal to submit, track and fund deals
  • Borrower protection on the clients you bring
  • Paid from escrow at closing
  • Back office support through funding
See the broker program

Broker partner

Work your clients in your own portal and share in the origination fee on every deal you close.

Referral partner

Hand us the deal and we do the work. You earn a referral fee, plus a fee on your client's repeat business for 12 months.

What clients say

He is not only my broker but also a great friend and adviser for me.

W.P.

Nate was informative, caring and reliable from beginning to end.

Irina

He has done an impeccable job.

Liz M.

Simply put, you are awesome.

O.I.

Run your numbers first

See your DSCR or your flip profit and estimated loan amount before you apply.

Investor guides

Straight answers to the questions investors ask us most.

Common questions

Are you a direct lender or a broker?
We are a direct private money lender. You work directly with our lending team, and your deal is managed in our own portal from application to funding.
How fast can you close?
Most deals fund in about three weeks. Speed depends on how quickly we receive the appraisal, title and your documents, and we tell you up front what we need.
What fees do you charge?
Origination is 2.50 points on loans under $1M and 2.00 points at $1M and up. Standard lender fees for processing, underwriting, third party reports and legal review are shown up front on your term sheet. No surprises at closing.
Do I need experience?
Not for fix and flip or DSCR rental loans. Experience can improve your leverage and pricing. Ground up construction usually requires one or two prior builds, or general contractor experience tied to permitted projects.
Do you check income or tax returns?
No. These are business purpose loans qualified on the property and the deal. DSCR loans use the property's rent instead of W2s, pay stubs or tax returns.
Which states do you lend in?
We lend in most states. Use the state checker on this page to see if we lend where your property is.
Is this hard money?
No. We are a private money lender. Compared with typical hard money, private money from us usually means lower cost, clearer credit standards and a wider range of properties we will finance. See the difference.

Have a deal in front of you?

Send the basics. You will hear from a loan officer, usually the same business day.

Submit your dealRun the numbers