Straight answers to the
questions we get most.
If something you need to know isn't here, pick up the phone. A real human will answer.
Credit, experience, and documentation.
What credit score do I need? +
Credit is a factor, not the only gate. We evaluate the full picture — the deal, the operator, and the exit. We've closed across a range of credit profiles when the project warranted it.
How much experience do I need? +
First-time flippers can qualify, typically at lower leverage. Experienced operators routinely access our best pricing and highest leverage. Bring documentation of past projects — we actually read it.
What documentation is required? +
For most programs: entity docs (LLC/corp), two months of bank statements, a rehab budget or build plan, purchase contract, and basic project experience. We confirm the full list at term sheet.
Do I need to show personal income? +
Not on our 30-year DSCR rental program — we qualify on property cash flow. On bridge and construction, we verify liquidity and reserves, but we don't underwrite W-2 income the way a conventional lender does.
Size, pricing, and exits.
What loan sizes do you handle? +
We fund a wide range — from single-property rehabs to large-scale construction and portfolios. Most of our deals land in the mid-market, but we structure up and down from there. See program details →
What are your rates? +
Competitive across all programs. Actual pricing depends on leverage, program, experience, and market. Pricing is locked at term sheet — no mid-file adjustments. See program details →
Are there prepayment penalties? +
On short-term bridge, fix-and-flip, and construction: generally no. On 30-year DSCR rental, step-down prepayment penalties apply and are disclosed up front.
Can I refinance into a long-term loan after the flip / build? +
Yes. We offer a 30-year DSCR rental program for investors who decide to hold rather than sell. Your account manager can line up the refi while the short-term loan is still in place.
Which states do you lend in? +
Nationwide where applicable. Licensing rules vary by state, program, and occupancy. Owner-occupied and consumer-purpose loans are limited to select states. First call confirms eligibility. See coverage →
Timelines, funds, and inspections.
How quickly can you close? +
Fast. Bridge and fix-and-flip close in days, not months. Construction follows close behind. When the file is clean — full verification, clear title, a property our team knows — we move even faster.
How do rehab draws work? +
You submit a draw request through the borrower portal. An inspector visits promptly. Approved draws fund by wire shortly after inspection sign-off. No stacked queues, no long waits.
What about construction draws? +
Same process. We structure draws around your actual build schedule, not a generic bank calendar. Your account manager flags the next milestone and asks for the draw before you need it.
What happens if the project runs over budget? +
Talk to us early. We plan for variance on every deal. Borrowers who flag issues in week three get help; the ones who hide them until week twelve tend to struggle.