Loan Programs

Capital structured for the way investors actually operate.

Three core loan programs built for real estate investors — fix and flip, DSCR rental, and bridge financing. All with the same commitment: fast terms, direct access, and no unnecessary friction.

Fix & Flip

Fix and Flip Loans

Purchase and rehab financing for investors who buy, renovate, and sell. We lend based on the after repair value of the property — not just the purchase price — so you can fund the full project and move fast when a deal hits.

Loan PurposePurchase + Rehab

Underwriting BasisARV (After Repair Value)

Close Time5–7 Days

Best ForContractors, Builders, Active Investors

Entity TypesLLC, Corp, Individual

ARV-based underwriting — we fund based on what the property will be worth, not just what you're paying
Rehab draws available so you're not out of pocket on construction costs
No experience minimums — first-time flippers and seasoned operators both welcome
Quote in hours, close in days — we don't slow down your deal

Submit a Fix & Flip Deal Talk to Us First

ARV-Based

Loan sizing based on after repair value — not just purchase price

5–7 Days

Average time from approval to funded

Hours

Typical turnaround on a loan quote

DSCR

DSCR Rental Loans

Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal tax returns or W2s. Ideal for investors building a rental portfolio through LLCs, corporations, or trusts who don't want their personal finances in the equation.

Qualification BasisProperty Cash Flow (DSCR)

Income VerificationNone Required (No Tax Returns)

Entity TypesLLC, Corp, Trust

Best ForBuy & Hold, STR, Portfolio Investors

Property TypesSFR, 2–4 Unit, Multifamily, STR

Qualify on what the property earns — not what you earn
No personal income documentation or tax return requirements
Works for long-term rentals, short-term rentals (Airbnb/VRBO), and mixed-use
LLC and corporate vesting — keep your investment properties in the right entity

Request DSCR Terms Talk to Us First

No W2s

Qualification based on property income, not personal income

LLC Friendly

Lend directly to your entity — no personal vesting required

STR / LTR

Short-term and long-term rental properties both eligible

Bridge

Bridge Financing

Short-term capital designed to move fast on an acquisition while permanent financing is arranged. Bridge loans are the tool serious investors use when a deal is on the line and a conventional timeline won't work. Speed is the entire point.

Loan Term6–24 Months

PurposeAcquisition, Transition, Value-Add

Close TimeDays, Not Weeks

Best ForTime-Sensitive Acquisitions

ExitRefinance, Sale, or Perm Financing

Close fast when a conventional lender's timeline would cost you the deal
Short-term structure with clear exit — refinance, sell, or convert to perm financing
Works for acquisitions, estate sales, auctions, and time-sensitive situations
Direct decision making — no committee approval delays

Get Bridge Loan Terms Talk to Us First

6–24 Mo

Flexible term length based on your exit timeline

Days

Time to close — not weeks, not months

Direct

You talk to the decision maker — no committees

Capital structured for the way investors actually operate.

Fix and Flip Loans

DSCR Rental Loans

Bridge Financing

Not sure which program fits your deal?