Construction

We finance the construction of residential and small multifamily investment properties. Investors appreciate our flexible terms, ease of draw funding, and speed of closing.

Property

Single-family, townhomes, 2-4 unit, ADU’s; larger projects also considered
Loans are restricted to investment properties
Rural properties not allowed

Loan Features¹

12, 18 or 24-month term
$150,000 to $1.5 million loan amount
Up to 85% loan to cost; 65% loan to after construction value
100% financing of construction budget

Borrower

680 minimum FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is usually required
Pricing based on borrower experience
No employment or income verification

Draws and Closing

Close in 2-3 weeks
Materials, labor, demolition, and customary soft costs reimbursable
Virtual inspection
3-4 business days from inspection to draw funding

¹ This is not an offer to extend credit. Loan terms, interest rate, origination points, and fees are based on loan to value, rental cash flow, credit history, and other factors. Additional criteria may apply, and all details are subject to change without notice.

Fix and Flip

Short-term financing to buy and renovate properties with up to 10 units. We support experienced and new investors with competitive terms and pricing.

Property

Single-family, townhomes, warrantable condos, 2-4 unit, and 5-10 unit
Loans restricted to investment properties; cannot be owner-occupied
Rural properties not allowed

Loan Features¹

6, 12 or 18-month term
$100,000 to $1.5 million loan amount
Up to 90% loan to cost; 100% financing of renovation
No interest on undrawn funds

Borrower

680 minimum FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is usually required
Foreign nationals allowed at reduced LTV
Pricing based on borrower experience
No employment or income verification

Draws and Closing

Close in as little as 5 days
Materials, labor, demolition, and customary soft costs reimbursable
Virtual inspection
1-3 business days from inspection to draw funding

Rental Properties

Permanent financing of rental properties with long-term tenants. These loans use the rental cash flow and stabilized property value to determine the loan amount.

Property

Single-family, townhomes, warrantable condos, 2-4 unit, and 5-10 unit
Loans are restricted to investment properties; cannot be owner-occupied

Loan Features¹

30-year term; fully amortizing entire term or I/O for 7 years
$75,000 to $2 million loan amount
Up to 80% loan to value; 75% for cash-out

Borrower

660 minimum FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is required
Foreign nationals allowed at reduced LTV
No employment or income verification

Other Details

Close in 2-3 weeks
Appraisal with market rents

Short-Term Rental

A solution for investors who need permanent financing for their rentals listed on AirBNB and VRBO. This product allows DSCR to be calculated by using 12 months of operating history or AirDNA rents as market rent.

Property

Single-family, townhomes, warrantable condos, 2-4 unit, and 5-10 unit
Loans are restricted to investment properties; cannot be owner-occupied
Must be listed on AirBNB, VRBO, or similar

Loan Features¹

30-year term; fully amortizing entire term or I/O for 7 years
$100,000 to $2 million loan amount
Up to 75% loan to value; 70% for cash-out

Borrower

700 minimum FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is required
Foreign nationals allowed at reduced LTV
No employment or income verification

Other Details

Close in 2-3 weeks
Underwritten to 12 months operating history and AirDNA market rents
Appraisal showing C3 condition or better

Rental Portfolios

For experienced investors, we finance up to 10 rental properties as a single loan. These loans are often more cost effective than closing each loan individually.

Property

Single-family, townhomes, warrantable condos, 2-4 unit, and 5-10 unit
Loans are restricted to investment properties; cannot be owner-occupied
Minimum of 3 properties

Loan Features¹

30-year term; fully amortizing entire term or I/O for 7 years
$100,000 to $5 million loan amount
Up to 75% loan to value; 70% for cash-out

Borrower

680 min FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is required
Foreign nationals allowed at reduced LTV
No employment or income verification

Other Details

Close in 5-8 weeks
Appraisal with market rents

Bridge

Financing of newly constructed or renovated properties that are currently vacant and stabilized and are ineligible for permanent financing.

Property

Single-family, townhomes, warrantable condos, 2-4 unit, and 5-10 unit
Loans restricted to investment properties; cannot be owner-occupied
Rural properties not allowed

Loan Features¹

12, 18 or 24-month term
$150,000 to $1.5 million loan amount
Up to 75% loan to value

Borrower

680 minimum FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is usually required
Foreign nationals allowed at reduced LTV
Pricing based on borrower experience
No employment or income verification

Other Details

Close in as little as 5 days
Average or better property condition (C1-C4 condition)

Bank Statement

Small business owners and self-employed individuals have the ability to obtain permanent financing on their rental properties by underwriting their income, instead of rental property cash flow. We do this by analyzing bank statements and do not require tax returns.

Property

Single-family, townhomes, condos, and 2-4 unit
Loans are restricted to investment properties; cannot be owner-occupied
Leases are not required
Single assets only; portfolios not allowed

Loan Features¹

30-year term; fully amortizing entire term or I/O for 7 years
$100,000 to $1.5 million loan amount
Up to 80% loan to value; 70% for cash-out

Borrower

660 min FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is required
12 months of Personal or Business bank statements, or 6 months of Asset statements

Other Details

Close in 2-3 weeks
Appraisal showing C4 condition or better

Built for real estate investors.

We redesigned the mortgage to eliminate time, frustration, and surprises. Loans can close in as few as 5 days.

Predictable financing

We redesigned the mortgage to eliminate time, frustration, and surprises. Loans can close in as few as 5 days.

Tailored products

We are a direct lender to real estate investors. Our mortgage products cover most residential investment strategies. Traditional lenders cannot match our superior execution.

Certain Lending Residential Investments.

Fix and Flip

Short-term financing to buy and renovate properties with up to 10 units. We support experienced and new investors with competitive terms and pricing.

Bridge

Financing of newly constructed or renovated properties that are currently vacant and stabilized and are ineligible for permanent financing.

Construction

We finance the construction of residential and small multifamily investment properties. Investors appreciate our flexible terms, ease of draw funding, and speed of closing.

Rental Properties

Permanent financing of rental properties with long-term tenants. These loans use the rental cash flow and stabilized property value to determine the loan amount.

Short-Term Rental

Rental Portfolios

For experienced investors, we finance up to 10 rental properties as a single loan. These loans are often more cost effective than closing each loan individually.

Bank Statement

Our process

Create an account or login here

In your portal, click “New project” and input the details for the project to request a loan

Begin checking off the initial tasks within your respective project

An offer will be released to you via your portal, and once accepted, we are off to the races to get your loan closed

Streamlined experience

Intuitive software simplifies every aspect of financing investment properties. Our clients enjoy unmatched speed, predictability, and robust risk management.