Loan Programs

Capital for every stage of the deal.

Programs structured around how real estate investors actually work.
From ground-up construction to long-term hold.

01Ground up

New construction

Single family, multifamily, and small subdivisions. Funded in tranches that match your build schedule, not a generic underwriting calendar.

We structure draw schedules around your actual construction timeline. Inspections are fast, draws are funded within days of approval, and your account manager stays on top of the file from first disbursement to final holdback release.

90%LTC
24moMax term
Apply for construction →
02Rehab

Fix & flip

Purchase plus rehab, structured for speed-to-close and fast draws so the trades stay on schedule and the project stays on budget.

We fund up to 100% of rehab costs and 85% of total project cost. Draw requests are reviewed within 48 hours, inspections are scheduled the same week, and funds hit your account days later — not weeks.

100%Of rehab
85%LTC
12–24moTerm
Apply for fix & flip →
03Bridge

Short-term bridge

For value-add acquisitions, time-sensitive opportunities, or transitions between long-term financing. Residential and commercial.

Bridge loans close fast — typically 10 to 14 days when the file is clean. We lend against the property and the plan, which means experienced operators can move on deals that banks won't touch in time.

80%LTV
7.9%Starting rate
6–24moTerm
Apply for bridge →
04Hold

30-year rental

DSCR-based long-term financing for investor-held single family and small multifamily portfolios. Cash-out refinances welcome.

No personal income verification — we qualify on the property's cash flow. Ideal for investors building or stabilizing a rental portfolio. Fixed and adjustable rate options, with terms up to 30 years.

30yrAmortization
1.0+Min DSCR
80%Max LTV
Apply for rental →
05Income property

Multifamily & commercial

Private capital for 5+ unit apartment buildings, mixed-use, and small commercial. Value-add acquisitions, repositioning, and bridge-to-agency.

We underwrite the asset and the business plan — in-place NOI for the base credit, pro forma for the exit. Typical deal sizes run $1M to $10M+, with 3–4 week closes on complete files.

$1–10M+Deal size
75%Max LTV
12–36moTerm
Apply for multifamily →
Where we lend

Nationwide coverage, licensed where required.

Active in 45 states and Washington, D.C. Not all programs are available in every state — your account manager confirms eligibility on the first call.

See full coverage →
45states + Washington, D.C.
California
Florida
Texas
Arizona
Colorado
Georgia
New York
Washington
North Carolina
Illinois
+35 more

Not sure which program fits?

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