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INVESTOR LENDING APPLICATION
You can obtain information on our loan programs and begin the conversation about financing for your next project by giving us a call at +1 (443) 783-3928 by filling out the form below.

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Fix & Flip Financing
Short-term financing to buy and renovate properties with
up to 10 units. We support experienced and new investors
with competitive terms and pricing.

- Finance up to 92.5% loan to cost
- Single-family & multifamily properties
- No Prepayment Penalties
- Close in as little as 5 business days

Lending Criteria

FICO: 680 minimum soft credit assessment.

Loan Amount: $100,000 to $1.5 million (amounts outside this range considered).

Loan Term: 6, 12, or 18 months.

Payment Type: Interest-only.

Loan-to-Cost: Up to 92.5%.

Loan-to-ARV: Up to 70%.

Closing Timeline: 5 to 10 business days.

Additional Guidelines

Experience: Fix & flips and BRRRR projects completed in the last three years count toward experience.

Eligible Properties: Single-family, townhomes, warrantable condos, and 2-4 units (5-10 units considered).

Eligible States: Nationwide, except ND, NV, SD, VT, and WV

Borrower: Loans are made to entities, and a personal guarantee is customary.

Draws: Materials, labor, demolition, and soft costs reimbursable. Draw requests take 1-3 business days with a virtual inspection.
Short-Term Rental Financing
A solution for investors who need permanent financing for their rentals listed on Airbnb and VRBO. This product allows DSCR to be calculated by using 12 months of operating history or AirDNA rents as market rent.

- Finance up to 75% loan to value; 70% for cash-out
- Single-family & multifamily properties
- Low or No Prepayment Penalty options
- Must be listed on Airbnb, VRBO, or similar

Lending Criteria

FICO: 700 minimum hard credit assessment.

Loan Amount: $75,000 to $1.5 million (amounts outside this range considered).

Loan Term: 30-year term; fully amortizing or interest-only for 10 years (fixed for 5 years, then adjustable every 6 months).

Loan-to-Value: Up to 75%; 70% for cash-out refinances.

Debt Coverage: Minimum 1.00 DSCR.

Closing Timeline: 2-3 weeks.

Additional Guidelines

Revenue Verification: 12 months of operating history or AirDNA market rents.

Property Condition: Appraisal showing C3 condition or better.

Eligible Properties: Single-family, townhomes, warrantable condos, 2-4 units, and 5-10 units.

Eligible States: Nationwide, except ND, NV, SD, VT, and WV.

Borrower: Loans are made to entities, and a personal guarantee is required.
Bridge Loan Financing
Financing of newly constructed or renovated properties
that are currently vacant and stabilized and are ineligible
for permanent financing.

- Finance up to 75% loan to value; 65% for cash-out
- Single-family & multifamily properties
- No Prepayment Penalties
- Multi-year bridge loan

Lending Criteria

- FICO: 680 minimum soft credit assessment.

- Loan Amount: $150,000 to $1.5 million (amounts outside this range considered).

- Loan Term: 6, 12, 18, or 24 months.

- Payment Type: Interest-only with a balloon payment at maturity.

- Loan-to-Value: Up to 75%; 65% for cash-out.

- Closing Timeline: 5 to 10 business days.

Additional Guidelines

- Property Condition: Must be in C1-C4 condition with no renovations outstanding.

- Eligible Properties: Single-family, townhomes, warrantable condos, and 2-4 units (5-10 units considered).

- Eligible States: Nationwide, except ND, NV, SD, VT, and WV.

- Borrower: Loans are made to entities, and a personal guarantee is customary.
Rental Property Financing
Permanent financing of rental properties with long-term tenants. These loans use the rental cash flow and stabilized property value to determine the loan amount.

- Finance up to 80% loan to value; 75% for cash-out
- Single-family & multifamily properties
- Low or No Prepayment Penalty options
- Minimum DSCR 0.75

Lending Criteria

FICO: 660 minimum hard credit assessment.

Loan Amount: $75,000 to $1.5 million (amounts outside this range considered).

Loan Term: 30-year term; fully amortizing or interest-only for 10 years (fixed for 5 years, then adjustable every 6 months).

Loan-to-Value: Up to 80%; 75% for cash-out refinances.

Debt Coverage: Minimum 0.75 DSCR.

Prepayment Penalty: Multiple options available, including no prepayment penalty (depending on the state).

Closing Timeline: 2-3 weeks.

Additional Guidelines

Revenue Verification: Long-term rental revenue verified through a lease agreement.

Property Valuation: Appraisal with market rents.

Eligible Properties: Single-family, townhomes, warrantable condos, 2-4 units, and 5-10 units.

Eligible States: Nationwide, except ND, NV, SD, VT, and WV.

Borrower: Loans are made to entities, and a personal guarantee is required. Non-recourse is not allowed.

Mortgage Payments: Taxes and insurance are escrowed. Payments are collected via ACH.
Construction Loans
We finance the construction of residential and small
multifamily investment properties. Investors appreciate our
flexible terms, ease of draw funding, and speed of closing.

- Finance up to 85% loan to cost; 65% of the value
after completion
- Single-family, townhomes, and ADUs
- No Prepayment Penalties
- Draws fund in as little as 1 business day

Lending Criteria

FICO: 700 minimum soft credit assessment.

Loan Amount: $200,000 to $1.5 million (amounts outside this range considered).

Loan Term: 12, 18, or 24 months.

Payment Type: Interest-only with a balloon payment at maturity (no interest on undrawn funds).

Loan-to-Cost: Up to 85%.

Loan-to-After Construction Value: 65%.

Closing Timeline: 2-3 weeks.

Additional Guidelines

Experience: At least 4 new builds required; GC’ing or complex flips may count.

Eligible Properties: Single-family, townhomes, ADUs, and 2-4 units (5-20 units considered).

Eligible States: Nationwide, except ND, NV, SD, VT, and WV.

Borrower: Loans are made to entities, and a personal guarantee is customary.

Draws: Materials, labor, demolition, and soft costs reimbursable. Draw requests take 3-4 business days with a virtual inspection.
Rental Portfolio Financing
For experienced investors, we finance up to 10 rental properties as a single loan. These loans are often more cost effective than closing each loan individually.

- Finance up to 75% loan to value; 70% for cash-out
- Single-family & multifamily properties
- Low or No Prepayment Penalty options
- Minimum of 3 properties

Lending Criteria

FICO: 680 minimum hard credit assessment.

Loan Amount: $150,000 to $5 million (amounts outside this range considered).

Loan Term: 30-year term; fully amortizing or interest-only for 10 years (fixed for 5 years, then adjustable every 6 months).

Loan-to-Value: Up to 75%; 70% for cash-out refinances.

Debt Coverage: Minimum 1.15 DSCR.

Closing Timeline: 4-8 weeks.

Additional Guidelines

Revenue Verification: Long-term rental revenue verified through a lease agreement; short-term rental revenue verified through 12 months of rental income.

Property Valuation: Appraisal with market rents.

Eligible Properties: Single-family, townhomes, warrantable condos, 2-4 units, and 5-10 units.

Eligible States: Nationwide, except ND, NV, SD, VT, and WV.

Borrower: Loans are made to entities, and a personal guarantee is required.

Property Minimum: At least 3 properties included.
Bank Statement Financing
Small business owners and self-employed individuals have the ability to obtain permanent financing on their rental properties by underwriting their income, instead of rental property cash flow. We do this by analyzing bank statements and do not require tax returns.

- Finance up to 80% loan to value; 75% for cash-out
- 30-year term with competitive pricing
- Low or No Prepayment Penalty options
- Qualify based on Bank Statement Analysis

Lending Criteria

FICO: 660 minimum hard credit assessment.

Loan Amount: $75,000 to $1.5 million (amounts outside this range considered).

Loan Term: 30-year term; fully amortizing or interest-only for 10 years (fixed for 5 years, then adjustable every 6 months).

Loan-to-Value: Up to 80%; 75% for cash-out refinances.

Prepayment Penalty: Multiple options available, including no prepayment penalty (depending on the state).

Closing Timeline: 2-3 weeks.

Ability to Repay Verification: 12 months of bank statement transactions analyzed to calculate income (based on a 50% debt-to-income ratio).

Additional Guidelines

Property Condition: Appraisal showing C4 condition or better.

Eligible Properties: Single-family, townhomes, condos (warrantable and non-warrantable), and 2-4 units. Portfolios are not allowed.

Eligible States: Nationwide, except ND, NV, SD, VT, and WV.
Borrower: Loans are made to entities, and a personal guarantee is required. Non-recourse is not allowed.

Mortgage Payments: Taxes and insurance are escrowed. Payments are collected via ACH.

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