Our Loan Programs
1) Fix & Flip Loans
Purpose
Funding to acquire, renovate, and resell residential investment properties.
Program Features:
Collateral
Non-owner-occupied 1–4 unit homes (including condos/townhomes where eligible)Long-lasting, energy-efficient, and low maintenance—ideal for modern and traditional homes alike.
Leverage
Up to ~95% LTC and ~75–80% ARV
Term
Typically 6–12 months, interest-only payments
Draws
Ideal For
Investors transforming distressed properties into move-in-ready homes. Perfect for both cosmetic upgrades and heavy rehabs.
What We Review:
- Purchase price vs. current property value
- Budget realism and contingency planning
- Borrower’s experience and financial capacity
2) DSCR Rental Loans
Purpose
Long-term rental financing underwritten to Debt Service Coverage Ratio (DSCR), focusing on the property’s ability to cover its debt through rents.
Program Features:
Property Types
SFR, 2–4 units, and approved short-term rentals
Terms
Fixed or adjustable; up to 30 years
Use Cases
Purchase, refinance, or cash-out to grow your portfolio
Ideal For
- Stabilized rentals with reliable cash flow
- BRRR investors seeking to refinance into stable, long-term debt
What We Review:
- DSCR ratios (commonly ≥ 1.0–1.2 depending on program)
- Rent rolls and market comps
- Property condition and reserves
3) Fix-to-Rent (Bridge → DSCR)
Purpose
Combine a short-term rehab loan with a long-term DSCR loan, so you never have to shop around for two lenders.
Program Features:
Stage 1
Bridge financing for acquisition and rehab
Stage 2
DSCR loan take-out once property is stabilized and rented
Advantage
Predictable exit, smoother transition, rate planning in advance
Ideal For
Investors executing the BRRR strategy and seeking certainty of permanent financing.
4) New Construction Loans
Purpose
Capital for ground-up residential builds.
Program Features:
Loan structured by LTC (land + construction costs)
12–24 month terms, interest-only during build
Phased construction draws tied to completion checkpoints
Prior construction experience often required
Ideal For
Builders and developers creating new homes in infill or growth markets.
5) Small Multifamily (5–20 Units)
Purpose
Bridge and DSCR loans tailored for small apartment projects.
Program Features:
Bridge financing for acquisition and renovations
DSCR loans for stabilized assets
Underwriting based on rents, expenses, DSCR strength, and sponsor experience
Ideal For
Operators expanding from single-family rentals into larger, scalable assets.