Financing Solutions

Private Lending Programs

Asset-based, investment-focused financing for residential real estate. Structured for speed with minimal documentation.

* All programs: 6-month initial term. Extension available up to 1 year at 0.5 point fee.

Purchase (Bridge / Acquisition)

Short-term financing for investment property purchases

Loan Terms

Max LTVUp to 85%

Loan Range$100,000–$5,000,000

Term6 Months*

ExtensionUp to 1 year (0.5 pt fee)

Payment TypeInterest Only

Prepayment PenaltyNone

AppraisalCase by Case

Approval Turnaround24 Hours

State note: AZ, UT, TX receive a rate reduction vs FL and CA. Origination up to 3% all states. Processing ($250), underwriting ($750), doc ($1,200) fees: FL and CA only.

Requirements

Property photos or active MLS listing
Executed purchase contract (escrow does not need to be open)
Title and escrow company information
Clean title required to close
No income or asset documentation required
Soft credit pull only — no hard inquiry, no score minimum
Previous bankruptcy accepted (not active or current)
Prior foreclosure accepted (not active or current)
No income verification, no reserves required
HDMA required after approval

Property restrictions: Condos eligible at up to 70% LTV. Residential only — no shopping centers. Business purpose / non-owner occupied only.

Rehab Loans

Fix-and-flip financing with 100% of rehab costs covered

Loan Terms

Max LTV (of ARV)Up to 85%

Rehab Coverage100% of approved costs

Loan Range$100,000–$5,000,000

Term6 Months*

ExtensionUp to 1 year (0.5 pt fee)

Payment TypeInterest Only

Prepayment PenaltyNone

Requirements

Property photos or active MLS listing
Executed purchase contract
Detailed budget breakdown of all rehab costs (required)
Title and escrow company information
Clean title required to close
No income or asset documentation required
Soft credit pull only — no hard inquiry
Previous bankruptcy or foreclosure accepted (not active)
HDMA required after approval

Ground-Up Construction

Land and construction financing for new residential development

Loan Terms

Land Purchase LTVUp to 70%

Construction Coverage100%

Loan Range$100,000–$5,000,000

Term6 Months*

ExtensionUp to 1 year (0.5 pt fee)

Payment TypeInterest Only

Prepayment PenaltyNone

Requirements

Parcel information or site plans
Executed purchase contract for the land
Full construction budget breakdown (required)
Title and escrow company information
Clean title required to close
No income or asset documentation required
Soft credit pull only — no hard inquiry
HDMA required after approval

DSCR Loans

Qualify based on rental income, not personal income

Loan Terms

DSCR RequirementRent ≥ Monthly Payment

Income VerificationRental Income Only

Loan Range$100,000–$5,000,000

Term6 Months*

ExtensionUp to 1 year (0.5 pt fee)

Payment TypeInterest Only

Prepayment PenaltyNone

Requirements

Rental income documentation (lease or market rent analysis)
Rental income must equal or exceed monthly interest payment
Property photos or MLS listing
Title and escrow company information
No personal income documentation required
Soft credit pull only — no hard inquiry
Investment / non-owner occupied only
HDMA required after approval

Best for: Buy-and-hold investors, portfolio landlords, self-employed borrowers, and investors with complex tax returns.

International Borrowers

Foreign national lending for U.S. investment property purchases

Loan Terms

Max LTVUp to 80%

PurposePurchase Only

SSN RequiredNo

Loan Range$100,000–$5,000,000

Term6 Months*

ExtensionUp to 1 year (0.5 pt fee)

Payment TypeInterest Only

Requirements

Valid international passport (copy required)
U.S.-registered corporation (LLC or Corp)
No Social Security Number required
Property photos or active MLS listing
Executed purchase contract (purchase only, no refinance)
Title and escrow company information
Clean title required to close
HDMA required after approval

Cash-Out Refinance

Unlock equity from your existing investment property

Loan Terms

Max LTVUp to 80%

Loan Range$100,000–$5,000,000

Term6 Months*

ExtensionUp to 1 year (0.5 pt fee)

Payment TypeInterest Only

Prepayment PenaltyNone

Property TypeNon-Owner Occupied

Requirements

Current property information and estimated value
Property photos
Title and escrow company information
Clean title required to close
Investment / non-owner occupied only
Cannot be used for debt consolidation
No income or asset documentation required
Soft credit pull only
No payment deferments permitted
HDMA required after approval

Fees & Transaction Costs

All fees disclosed upfront. No surprises at closing.

Up to 3%

Origination Fee

$250

Processing FL/CA

$750

Underwriting FL/CA

$1,200

Document Fee FL/CA

Processing, underwriting, and document fees apply to Florida and California only. AZ, UT, TX: origination fee only.

* 6-month initial term. Extension available up to 1 year at 0.5 point fee.

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