Loan Programs
Six Capital Programs for Real Estate Investors
Fix & Flips
Residential (1–4 Units)
Fast, flexible financing for residential fix-and-flip investors. Maximize your acquisition power with up to 90% of purchase price and 100% of rehab costs covered.
Loan Amount
$50,000 – $5,000,000
Purchase LTV
90% of Purchase Price
Rehab Financing
100% of Rehab Costs
Max Loan to ARV
70%
Term
12 months (up to 18 at lender's discretion)
Recourse
Full Recourse
Ground Up Construction
Residential (1–4 Units)
Build from the ground up with comprehensive construction financing. We fund land acquisition, permits, and full construction costs for residential projects.
Loan Amount
$50,000 – $5,000,000
Total Project Cost
Up to 90% of Total Project Cost
Land Value
Up to 75% (60% if unpermitted)
Construction
100% of Construction Costs
Max Loan to ARV
70%
Term
12 months (up to 18 at lender's discretion)
Rentals
Residential (1–4 Units) / Townhomes / PUD / Warrantable Condos
Long-term rental financing for single-family and small multifamily properties. Build your rental portfolio with 30-year fixed terms and competitive rates.
Loan Amount
$75,000 – $2,000,000
Owned < 3 Months
80% of Total Cost Basis
Loan Term
30 Years
Unleased Units
90% of Market Rent (Purchase Loans Only)
Stabilized Bridge
SF / 2–4 Unit / Townhomes / PUD / Condo
Bridge the gap between acquisition and stabilization. Ideal for properties that need light rehab before transitioning to permanent financing.
Loan Amount
$75,000 – $2,000,000
Purchase LTV
85% of Purchase Price
Rehab Financing
100% of Completed Rehab Costs
Max LTV
70%
Term
12 months (up to 18 at lender's discretion)
Min. DSCR / FICO
1.00x DSCR / 660 FICO
Experienced Builders
Ground Up Construction — Up to 90% LTC
For experienced builders, we now offer up to 90% LTC financing on ground-up construction — up to 85% of hard costs with 5% held in interest reserve escrow. Designed for proven developers ready to scale.
Max LTC
Up to 90% Loan-to-Cost
Hard Costs
Up to 85% of Hard Costs
Interest Reserve
5% in Interest Reserve Escrow
Rental Portfolios
SF / 2–4 Unit / Townhomes / PUD / Condos
Scale your rental portfolio with one comprehensive loan. Finance multiple properties under a single structure with loan amounts up to $50 million.
Loan Amount
$150,000 – $50,000,000
Loan Structure
30-Year Fixed Rate (Fully Amortizing)
Owned < 3 Months
80% of Total Cost Basis
Purchase / Rate-Term Refi
80% LTV
Cash Out Refi
75% LTV
Available Terms
5, 10 & 30 Years
Min. Occupancy
90% Minimum Occupancy Rate