The Solutions To All Your Financing Needs

Loans For Investors

Your one-stop lending solution for all your investing needs with quick and easy funding!

Our Process

STEP 1

Submit A Deal

Click the submit a deal button to create an account or to sign in and input the details for the project.

STEP 2

Closing Date

Please ensure the closing date is accurate and inline with the closing timelines listed in the FAQ's

STEP 3

Our Team

Our team will respond to clients who submitted a deal directly this portal within 24 hours.

STEP 4

Automated Email

If your deal is eligible for financing, you will receive an automated email from [email protected]

STEP 5

Information & Documents

After the loan offer is accepted and "tasks" are completed, we will order a valuation & move to underwriting.

STEP 6

Insurance

Our fulfillment team will order title and insurance, and reach out to you for any additional info for closing.

Value Add Financing (Fix & Flip)

Eligibility Criteria

Credit Score

660 minimum FICO and no serious delinquencies in the past 2 years.

Max Loan Ratios

Up to 90% Loan to cost and 75% Loan to after-repair value (depending on experience).

Loan Term

12 - 18 Months

Loan Term

$100,000 - $1,500,000 per property; minimum $50,000/unit on 2+ units

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Property Value

Click the submit a deal button to create an account or to sign in and input the details for the project.

Property Type

Single family, 2-4 unit, or 5-8 unit. Manufactured housing and mixed use not eligible.

Prepay Penalty

None

Location

Property cannot be rural. MSA population must be greater than 75,000.Located in states outside of AK, HI, NV, ND, SD, WY.

Purpose

Short-term mortgages to buy and renovate properties

Minimum Liquidity

Down payment, closing costs, 3 months of mortgage payments, and 15% renovation budget $25,000 Minimum

Long Term Rental Financing

Eligibility Criteria

Credit Score

660 minimum FICO and no serious delinquencies in the past 2 years.

Minimum DSCR

Minimum debt service coverage ratio of 1.10

Max LTV

Up to 80% for purchase or refinance, 75% of cash out refinance.

Loan Term

30 Years

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Loan Amount

$100,000 - $1,500,000 per property; minimum $50,000/unit on 2+ units

Property Value

As-is value (or purchase price if applicable) greater than $100,000

Property Type

Single Family, 2-4 unit, or 5-8 unit. Manufactured housing and mixed use not eligible.

Prepay Penalty

5-yr step-down (5-4-3-2-1); can be reduced to as low as 2 years.

Location

Property cannot be rural. MSA population must be greater than 75,000.Located in states outside of AK, HI, NV, ND, SD, WY.

Minimum Liquidity

Down payment, closing costs, 3 months of mortgage payments, and 15% renovation budget $25,000 Minimum

Frequently Asked Question

Here are some frequently asked questions.

Do you offer 100% Loan to Cost financing?

We do not. We'll lend up to 90% Loan to Cost depending on experience.

Do you do a hard credit pull? How often?

We only do hard pulls for rental loans AFTER you've accepted an offer and once the loan is in underwriting. We utilize soft pulls for short-term mortgages.

How fast can you close?

This will depend on the type of loan product.  Note that the following timelines start when the file is ready for underwriting (all info and documents uploaded), not necessarily when the loan is submitted or under contract.

  • Rehab/bridge loans – 10 business days for a new client, 5-7 business days for repeat clients

    • Rental loans – 4 weeks for single properties, 5-8 weeks for most portfolios

    • Construction – 3+ weeks, depending on complexity

    • 5+ Unit Multifamily – 4-6 weeks, depending on complexity and appraisal timelines

Types of products we offer

12-month value-add loans, 24-month bridge loans, 12-month construction loans, and 30-year DSCR rental loans (both amortizing fixed and interest-only adjustable rates).

What are the five common reasons why a loan submission gets denied?

  • Property is not in a state that we finance or in a location that an appraiser would consider rural

  • Property value (or purchase price) < $100,000, or loan amount < $125,000 (or less than $50,000 per unit for multifamily)

  • Credit score < 680 or has major delinquencies over the past 2-4 years

  • Liquidity < $25,000 or not enough to cover down payment, closing costs, 3-6 months of payments, or rehab reserves

  • Newer investors taking on extensive rehab projects

How many people need to guarantee or sign (for recourse loans)?

We only require one guarantor and signer with at least 25% ownership of the entity.

Do you lend at the auction?

We require title insurance on our loans, which a lot of local auction properties will not have. Some online auctions go through a closing agent that provides title insurance, but the borrower should check with the seller/platform.

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