Explore Our Loan Programs
Discover tailored financing solutions — clear descriptions and example terms to help you choose the right program.
Fix & Flip
Short-term financing for investors who purchase, renovate, and sell properties quickly. Ideal for projects where the borrower intends to exit within a short timeframe after renovation.
- Typical loan purpose: Purchase + renovation
- Term: 6–18 months
- LTV: Up to 70% (purchase) / 80% (after-rehab, project dependent)
- Rates: 8–12% APR (example)
- Points & fees: 2–4 points + closing costs
Ground‑Up Construction
Financing for building new residential or commercial projects from the ground up. Funds typically disbursed in draws tied to construction milestones to keep the project on schedule.
- Typical loan purpose: Land + construction draws
- Term: 12–36 months (construction period)
- LTC: Up to 75% (land + hard costs, varies)
- Rates: 7–11% APR (example)
- Fees: Draw administration + origination (varies)
DSCR Rental Loans
Longer‑term financing for rental properties where qualification is based primarily on the property’s income (Debt Service Coverage Ratio) rather than borrower personal income.
- Typical loan purpose: Purchase or refinance rental properties
- Term: 5–30 years (depending on product)
- DSCR requirement: 1.0–1.25x (example)
- Rates: 5–8% APR (example)
- Down payment: 20–30% (varies by product)
Example terms above are for illustration only — final terms depend on property details, borrower experience, and market conditions. Contact us to get a personalized quote.
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What are Fix and Flip loans?
Fix and Flip loans are short-term financing options designed for real estate investors who purchase properties to renovate and sell quickly. These loans typically cover the purchase price and renovation costs, allowing investors to maximize their profits in a competitive market.
How do Ground-Up Construction loans work?
Ground-Up Construction loans provide funding for building new properties from the ground up. These loans cover land acquisition, construction costs, and sometimes even soft costs, ensuring that developers have the necessary capital to complete their projects successfully.
What are DSCR rental loans?
DSCR rental loans, or Debt Service Coverage Ratio loans, are designed for real estate investors looking to finance rental properties. These loans assess the property’s income potential to ensure it can cover the mortgage payments, making them ideal for investors seeking long-term rental income.
Who qualifies for these loan programs?
To qualify for our loan programs, applicants typically need a minimum credit score, proof of income, and a viable investment plan. Each program has specific requirements, so it’s essential to consult with our team to determine eligibility based on your unique situation.
What is the application process like?
The application process is straightforward and user-friendly. Interested borrowers can fill out our online inquiry form, providing basic information about themselves and their financing needs. Our team will review the application and reach out to discuss options and next steps promptly.
Are there any fees associated with these loans?
Yes, there may be fees associated with our loan programs, including origination fees, appraisal fees, and closing costs. We strive to be transparent about all costs involved, ensuring that borrowers understand their financial commitments before proceeding.