Loan Programs That Fit Real Deals

Fix & Flip Loans

Fast capital for short-term value-add projects where speed and leverage matter.

Loan Structure

Purchase: Up to 90% LTC

Best For

• Purchasing distressed or outdated properties

• Light to heavy rehab projects

• Investors planning to resell within 6–18 months

Typical Use Case

An investor purchases a single-family or multi-family home below market value, renovates the property, and sells after completion.

Rehab: Up to 100% of documented costs

Rate: 9.9 - 12.9%

Draws released as rehab milestones are completed

Outcome: Property renovated and sold within 5 months.

Term: 6–12 months

Bridge Loan

Short-term capital for acquisitions or refinances when timing matters more than long-term rates.

Loan Structure

Leverage: Up to 75% of LTV

Best For

• Acquiring properties quickly before permanent financing

• Refinance situations where cash is tied up or timing is tight

• Investors waiting on stabilization, permits, or resale

Typical Use Case

An investor purchases a property that needs light work or seasoning before refinancing or selling. A bridge loan provides fast capital to close now, with an exit planned in months not years.

Underwritten based on the property and exit strategy, not W-2s or tax returns.

Rate: 9.9 - 12.9%

Payments: Interest-only

Exit: Sale or refinance

Term: 6–12 months

• Deals where speed wins the property

Cash Out Refinance

For investors pulling equity from stabilized properties to fund new acquisitions.

Loan Structure

Leverage: Up to 65% of LTV

Best For

• Scaling Your Portfolio: Recycle capital from completed projects into new deals.

• The BRRRR Method: Perfect for the "Refinance" step after a successful renovation.

Typical Use Case

An investor has a property that is fully renovated and tenanted. They use a Cash-Out Refi to pull $100k in equity to use as a down payment for their next two fix-and-flip deals.

Rate: Starting at 10.9%

Outcome: Liquidity unlocked without selling the asset.

• Consolidating Debt: Roll high-interest bridge loans into a lower-rate, stable product.

Requirements: No tax returns required; qualified based on property DSCR.

DSCR Rental Loans

Long-term financing for rental property investors focused on cash flow, not personal income.

Loan Structure

Leverage: Up to 80% LTV for purchases; 75% for refinances.

Best For

• Long-Term Wealth: Building a rental portfolio with 30-year fixed-rate security.

• DTI Hurdles: Investors who want to scale without traditional "Debt-to-Income" restrictions.

Typical Use Case

An investor wants to buy a turnkey rental property. Instead of a bank looking at their personal salary, we look at the property's potential rent. If the rent covers the mortgage, the loan is approved.

Rate: Starting as low as 6.5%.

Outcome: The investor secures a 30-year fixed loan with a competitive rate, keeping their personal credit capacity open for future deals.

• Turnkey Buyers: Financing move-in ready rentals or stabilized multi-family units.

Qualification: Based on property rental income exceeding the mortgage payment (DSCR > 1.0).

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