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 units, ADU’s; larger projects also considered
Loans are restricted to investment properties
Rural properties not allowed

Loan Features¹

12, 18 or 24-month term
$200,000 to $1.5 million loan amount
Up to 85% loan to cost; 65% loan to after construction value
100% financing of construction budget

Borrower

700 minimum FICO; no recent foreclosures or bankruptcies
Entities only; a personal guarantee is customary
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 units, and 5-10 units
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 92.5% 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 customary
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 units, and 5-10 units
Loans are restricted to investment properties; cannot be owner-occupied

Loan Features¹

30-year term; fully amortizing entire term or ARM available
$75,000 to $1.5 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 units, and 5-10 units
Loans are restricted to investment properties; cannot be owner-occupied
Must be listed on Airbnb, VRBO, or similar site

Loan Features¹

30-year term; fully amortizing entire term or ARM available
$75,000 to $1.5 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 units, and 5-10 units
Loans are restricted to investment properties; cannot be owner-occupied
Minimum of 3 properties

Loan Features¹

30-year term; fully amortizing entire term or ARM available
$150,000 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 4-8 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 units, and 5-10 units
Loans restricted to investment properties; cannot be owner-occupied
Rural properties not allowed

Loan Features¹

6, 12, 18 or 24-month term
$150,000 to $1.5 million loan amount
Up to 75% loan to value; 65% for cash-out

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 (warrantable and non-warrantable), and 2-4 units
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 ARM available
$75,000 to $1.5 million loan amount
Up to 80% loan to value; cash out not allowed

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

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Questions or interested in learning more?

Israel Lopez

Sales Director

As a seasoned loan officer with a focus on new construction, Israel brings a wealth of experience and expertise to the table. With a deep understanding of the real estate market and a passion for helping clients achieve their investment goals, Israel has earned a reputation as a trusted advisor and strategic partner. Prior to joining Certain, Israel was a general contractor and property flipper in the Seattle market, and he continues to be an active real estate investor with a keen eye for identifying investment opportunities and structuring deals that maximize returns. Whether working with seasoned investors or first-time buyers, Israel is committed to providing personalized guidance and support throughout the lending process.

Israel

Submit Loan

NMLS ID:

1973168

+1 (425) 346-3348

MOBILE, 9:00 — 5:00 PT

israel.lopez@certainlending.com

Certain Lending Residential Investments.

‍Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Residential Investments

We offer short-term mortgages to buy and renovate properties with up to 8 units. We support new and experienced investors with competitive pricing.

Rental Properties

We offer 30-year amortizing mortgages for rental properties on single assets and portfolios of up to 10 properties. These loans are based on rental cash flow and stabilized property value.

Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Learn More

Residential Investments

We offer short-term mortgages to buy and renovate properties with up to 8 units. We support new and experienced investors with competitive pricing.

Learn More

Rental Properties

We offer 30-year amortizing mortgages for rental properties on single assets and portfolios of up to 10 properties. These loans are based on rental cash flow and stabilized property value.

Learn More

Rental Properties

We offer 30-year amortizing mortgages for rental properties on single assets and portfolios of up to 10 properties. These loans are based on rental cash flow and stabilized property value.

Learn More

‍Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Learn More

Residential Investments

We offer short-term mortgages to buy and renovate properties with up to 8 units. We support new and experienced investors with competitive pricing.

Learn More

Rental Properties

We offer 30-year amortizing mortgages for rental properties on single assets and portfolios of up to 10 properties. These loans are based on rental cash flow and stabilized property value.

Learn More

Products

Certain provides reliable mortgage products for construction, fix and flip, buy and hold, BRRRR, and other real estate investing strategies. Because software handles underwriting we tailor these products to meet the needs of our clients, whenever a real estate investment deserves putting capital at risk.

See all product offerings

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.

Construction

Property

Loan Features¹

Borrower

Draws and Closing

Fix and Flip

Property

Loan Features¹

Borrower

Draws and Closing

Rental Properties

Property

Loan Features¹

Borrower

Other Details

Short-Term Rental

Property

Loan Features¹

Borrower

Other Details

Rental Portfolios

Property

Loan Features¹

Borrower

Other Details

Bridge

Property

Loan Features¹

Borrower

Other Details

Bank Statement

Property

Loan Features¹

Borrower

Other Details

Get started today

Israel Lopez

‍Construction

Residential Investments

Rental Properties

Rental Properties

‍Construction

Residential Investments

Rental Properties

Products

Recent Deals

Get started today