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
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.
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
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.
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
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.
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
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.
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)
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.
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
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.
Louie Rutnam
Account Executive
Louie Rutnam was born and raised in Southern California, where he spent nearly two decades in mortgage banking, from Washington Mutual to Wells Fargo to Chase, before building a 250+ partner mortgage brokerage network from the ground up. In 2021, Louie moved to Seattle and shifted into tech, working as an Enterprise Account Executive at Comcast Business and Amazon. But his love for real estate and mortgage finance pulled him back, landing him at Vontive and Certain Lending, where he now combines real estate, finance, and technology at a company built to be tech-forward from the ground up. Today, Louie specializes in DSCR, bridge, fix-and-flip, ground-up construction, and cash-out refinance loans for real estate investors and industry professionals nationwide. What sets him apart is a consultative approach and a level of customer service that's earned him repeat clients and a growing referral network throughout his career: honest answers, real support, and a problem-solving mentality on every file. Investors and referral partners work with Louie because he treats every deal like his own money is on the line, and because he's building relationships built to last, not one-time closings.
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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.
Fix and Flip
Construction
Bridge
Rental Properties
Short-Term Rental
Rental Portfolios
Bank Statement
Recent Deals
Supporting investors is what we’re most proud of. Dig into some of our Recent Deals here.
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