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Reliable

Reliable Funding for Smart Investors

Financing built for real estate professionals looking to scale with speed and confidence.

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5.0 Based on 492 reviews


Modern architectural building

Flexible Financing, Fast Closings

Built for Investors, Backed by Experts

We offer tailored loan solutions to meet the diverse needs of real estate investors. Whether you're acquiring rental properties, building from the ground up, or consolidating your portfolio, our loan programs provide the flexibility, speed, and expertise to help you succeed. With loan amounts ranging from $100K to $30M, we ensure you have the resources to capitalize on every opportunity.

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Unmatched Speed : Closings in as fast as 5-14 days.
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Competitive Rates : Among the lowest in private lending, with spreads starting at 2.32% above the 5-Year U.S. Treasury.
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High Leverage Options : Up to 90% LTV on purchases and 100% of rehab budgets.
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Streamlined Approval Process : No tax returns, W-2s, or personal income verification required.
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Expert Support : Decades of experience and $500M+ closed in 2024 alone.
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Nationwide Coverage : Lending solutions for markets across the U.S., backed by local expertise.

Flexible Capital for Growing Portfolios

Financing Built for Real Estate Professionals

Explore our financing solutions built for investors who demand quick closings, high leverage, and low rates.

Loan TypeProperty TypesLoan PurposeTermLoan AmountAcquisitionRehab/ConstructionStarting RatePrepayment PenaltyMinimum FICO
Fix and Flip LoansNon-owner Occupied 1-4 unit residential, Townhomes, CondosAcquisition, Refinance6 to 24 months$100,000 - $5,000,000Up to 90% of purchase priceUp to 100% of Rehab Costs (Max 75% of ARV)8.25%+None620
New Construction LoansNon-owner Occupied 1-4 unit residential, Townhomes, CondosAcquisition, Refinance12 to 36 months$100,000 - $5,000,000Up to 90% Loan-to-Cost (LTC) for Land Purchase (for qualified investors)Up to 100% of Construction Costs (not exceeding 75% of completed value)9.75%+None620
Rental Property LoansNon-owner Occupied 1-4 unit residential, Townhomes, CondosPurchase, Refinance, Cash-Out5/6, 7/6, or 10/6 ARM or 30-year FRM$100,000 - $2,500,000Up to 80% of purchase price-6.49%+Subject to terms660
Multifamily LoansMultifamily residential properties (5+ units)Purchase, Refinance, Cash-Out12 to 24 months (short-term) or up to 30 years (long-term)$500,000 - $30,000,000Up to 80% LTV for Purchases, Up to 75% LTV for Cash-Out RefinancingUp to 100% of Construction Costs (not exceeding 75% of completed value)6.39%+ (long-term), 7.89%+ (short-term)Subject to terms660
Commercial LoansOffice, Retail, Industrial, Mixed-Use, Warehouse, Hotel, Medical, Shopping Center, Specialty, etc.Acquisition, Refinance, Cash-OutCustom (Short or Long-Term)$500,000+Up to 75% of purchase priceUp to 100% of construction costs, subject to underwritingSubject to termsSubject to terms600

Fix and Flip Loans

Property Types
:
Non-owner Occupied 1-4 unit residential, Townhomes, Condos
Loan Purpose
:
Acquisition, Refinance
Term
:
6 to 24 months
Loan Amount
:
$100,000 - $5,000,000
Acquisition Loan
:
Up to 90% of purchase price
Construction Loan
:
Up to 100% of Rehab Costs (Max 75% of ARV)
Starting Rate
:
8.25%+
Prepayment Penalty
:
None
Minimum FICO
:
620

New Construction Loans

Property Types
:
Non-owner Occupied 1-4 unit residential, Townhomes, Condos
Loan Purpose
:
Acquisition, Refinance
Term
:
12 to 36 months
Loan Amount
:
$100,000 - $5,000,000
Acquisition Loan
:
Up to 90% Loan-to-Cost (LTC) for Land Purchase (for qualified investors)
Construction Loan
:
Up to 100% of Construction Costs (not exceeding 75% of completed value)
Starting Rate
:
9.75%+
Prepayment Penalty
:
None
Minimum FICO
:
620

Rental Property Loans

Property Types
:
Non-owner Occupied 1-4 unit residential, Townhomes, Condos
Loan Purpose
:
Purchase, Refinance, Cash-Out
Term
:
5/6, 7/6, or 10/6 ARM or 30-year FRM
Loan Amount
:
$100,000 - $2,500,000
Acquisition Loan
:
Up to 80% of purchase price
Construction Loan
:
-
Starting Rate
:
6.49%+
Prepayment Penalty
:
Subject to terms
Minimum FICO
:
660

Multifamily Loans

Property Types
:
Multifamily residential properties (5+ units)
Loan Purpose
:
Purchase, Refinance, Cash-Out
Term
:
12 to 24 months (short-term) or up to 30 years (long-term)
Loan Amount
:
$500,000 - $30,000,000
Acquisition Loan
:
Up to 80% LTV for Purchases, Up to 75% LTV for Cash-Out Refinancing
Construction Loan
:
Up to 100% of Construction Costs (not exceeding 75% of completed value)
Starting Rate
:
6.39%+ (long-term), 7.89%+ (short-term)
Prepayment Penalty
:
Subject to terms
Minimum FICO
:
660

Commercial Loans

Property Types
:
Office, Retail, Industrial, Mixed-Use, Warehouse, Hotel, Medical, Shopping Center, Specialty, etc.
Loan Purpose
:
Acquisition, Refinance, Cash-Out
Term
:
Custom (Short or Long-Term)
Loan Amount
:
$500,000+
Acquisition Loan
:
Up to 75% of purchase price
Construction Loan
:
Up to 100% of construction costs, subject to underwriting
Starting Rate
:
Subject to terms
Prepayment Penalty
:
Subject to terms
Minimum FICO
:
600

Reliable, Transparent, Committed.

Why Customers Choose Us

Fast, flexible financing with transparent terms, competitive rates, and personalized service for seamless real estate investments.

500M+
Funded Last Year
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98%
Client Satisfaction
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94%
Approval on Submitted Loans
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# 1
Choice for DSCR Financing
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Quick Process, Clear Solutions.

Our Simple, Streamlined Process

We simplify the financing process with fast approvals, tailored solutions, and quick funding, helping you achieve your real estate goals effortlessly.

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Step 1

Apply Online

Fill out a simple form with your project details to quickly begin the financing process and start your real estate journey.

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Step 2

Initial Call

Our team will contact you to discuss your project and clarify any questions, ensuring a seamless financing experience.

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Step 3

Soft Quote

Receive an initial financing quote based on your project details, helping you review options and understand potential loan terms.

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Step 4

Appraisal

We evaluate the property's value to determine the loan amount, ensuring alignment with your project goals.

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Step 5

Document Collection

Submit the necessary documentation to verify your financials and property details, ensuring we have all the information needed.

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Step 6

Approval

Once reviewed, we provide final loan approval, allowing you to move forward confidently with your real estate investment.

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Step 7

Fast & Easy Closing

Quickly close the deal, securing your funds and allowing you to begin your real estate project without delay.

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Clear Answers, Fast.

Got Questions? We're Here to Help!

Find quick answers to common questions about our financing options, process, and terms to help you get started.

We fund fix-and-flip projects, rental properties, multifamily units, new construction, and commercial properties

Loan amounts range from $100,000 to $30 million, depending on the project type and borrower qualifications.

Rates start as low as 6.23% for long-term loans and 8.25% for short-term bridge loans.

Most loans close within 7–10 business days, with expedited options available for urgent projects.

Requirements typically include property details and a soft credit check (which does not impact your credit score). Proof of income is not required, as these are investor loans under an LLC.

No, income verification is not required for investor loans.

A DSCR (Debt Service Coverage Ratio) loan is based on the rental income of a property, not the borrower’s personal income. It’s ideal for investors building or expanding their rental portfolio.

Yes, we offer financing solutions tailored to both new and experienced real estate investors.

We typically fund up to 90% LTV on rehab projects, including 100% of the rehab budget, and up to 80% LTV on rental properties.

Yes, we provide financing nationwide for eligible projects.

Typically, you’ll need property details and your LLC formation documents. A soft credit check is required but will not affect your credit score.

You can start your application online or contact our team for personalized assistance.

Fees may include an origination fee and closing costs, which vary based on the loan type. To see the exact terms for your deal, request a term sheet by filling out our application.

Yes, we work with individuals, LLCs, and other corporate entities.

We evaluate the property’s potential and the overall project instead of relying solely on credit scores. A soft credit check is conducted but won’t impact your credit.

We do not finance land development but can assist with funding for eligible new construction projects.

We offer faster approvals, flexible terms, and funding solutions designed specifically for real estate investors. Unlike banks, we don’t require tax returns, income verification, or endless paperwork - just a streamlined, hassle-free process that gets you to closing fast. Best of all, our rates are highly competitive, often coming in right around bank pricing but without the red tape or lengthy approval timelines. Plus, we don’t leave you hanging - while banks often pull funding at the last minute, we stand by our commitments to ensure a smooth, reliable closing every time.