Loan Types
Providing the Funding You Need
Fix & Flip Loans
We offer flexible fix-and-flip financing, specializing in Purchase & Rehab Loans structured to provide capital for both the property acquisition and the renovation budget. Our terms are typically short, ranging from 6 to 18 months, allowing investors to execute their flip and sell quickly. The loan amount is primarily based on the After-Repair Value (ARV) of the property, commonly financing up to 75% of the ARV and often covering up to 90-100% of the renovation costs. Funds for the rehab portion are generally disbursed via draws as project milestones are completed, ensuring quick access to capital while aligning financing with construction progress.
Rental Property Loans
Our Rental Property Loans (often called DSCR Loans) offer investors a streamlined path to long-term passive income, with qualification based on the investment property’s cash flow rather than personal income. We provide financing for stabilized 1–4 unit residential properties, offering loan terms up to 10 years and often funding up to 75% Loan-to-Value (LTV). Eligibility is primarily determined by the Debt Service Coverage Ratio (DSCR), with a typical minimum requirement of 1.20x, ensuring the rental income comfortably exceeds the debt obligations. This structure allows investors to scale their portfolio efficiently through an LLC or entity without conventional loan limits.
Bridge Loans
Our Bridge Loans are essential, short-term financing solutions designed to fill the gap between transactions, providing immediate capital when speed is critical. We offer loans for both commercial and residential assets, specializing in properties undergoing transition, such as those needing light rehabilitation, stabilization, or positioning for a quick sale or refinancing. Loan terms are typically brief, ranging from 6 to 24 months, and we commonly fund up to 65-75% Loan-to-Value (LTV) on the current appraised value. These asset-based loans feature quick closings and flexible repayment structures, allowing borrowers the necessary time and capital to execute their strategic exit plan.