Real Estate Financing

Real Estate Lending

Flexible financing for investors and business owners. From fix-and-flip to permanent financing, we connect you with lenders who specialize in commercial and investment real estate.

Loan Programs

Fix & Flip Loans

Short-term financing for investors purchasing, renovating, and reselling properties.

  • • 6-18 month terms
  • • Up to 90% ARV
  • • Interest-only payments
  • • Fast funding (7-14 days)

DSCR Loans

Rental property loans based on property cash flow, not personal income.

  • • 30-year fixed or ARM
  • • 1.0+ DSCR required
  • • No income verification
  • • SFH, multifamily, commercial

Bridge Loans

Short-term financing for time-sensitive acquisitions and transitions.

  • • 6-24 month terms
  • • Up to 80% LTV
  • • Fast closing (7-21 days)
  • • All property types

Construction Loans

Ground-up construction and major renovation financing.

  • • 12-24 month terms
  • • Up to 85% LTC
  • • Draw schedules
  • • Residential & commercial

Permanent Financing

Long-term loans for stabilized investment properties.

  • • 20-30 year amortization
  • • Competitive rates
  • • Multifamily, retail, office
  • • Recourse and non-recourse

Cash-Out Refinance

Extract equity from existing properties for reinvestment.

  • • Up to 75% LTV cash-out
  • • Portfolio refinancing available
  • • Lower rates than origination
  • • Multiple property types

Property Types We Finance

Residential Investment
  • Single-family
  • 2-4 unit
  • 5+ multifamily
  • Condos & townhomes
Commercial
  • Office buildings
  • Retail centers
  • Warehouses
  • Industrial
Specialty
  • Mixed-use
  • Self-storage
  • Mobile home parks
  • Hospitality

Typical Terms & Rates

Loan TypeLTVRate RangeTerm
Fix & Flip70-90% ARV9-14%6-18 mo
DSCR75-80%6.5-10%30 yr
Bridge70-80%8-12%6-24 mo
Construction80-85% LTC9-13%12-24 mo
Permanent75-80%5.5-8%20-30 yr

Rates and terms vary based on property type, borrower experience, and market conditions. Consult with a specialist for current pricing.

Qualification Requirements

General Requirements

  • Personal credit score of 640+ (higher for better terms)
  • Down payment of 10-30% depending on loan type
  • Reserves (typically 6-12 months PITI)
  • Proof of funds for down payment and closing costs
  • Property appraisal or valuation
  • Rental income documentation (for income properties)

For Experienced Investors

  • Schedule of real estate owned (SREO)
  • Track record of completed projects (for fix & flip)
  • Exit strategy documentation
  • Contractor scope of work and budget (for rehab)

Advantages vs. Disadvantages

Advantages

  • ✓Fast funding for time-sensitive deals
  • ✓Asset-based underwriting (property focused)
  • ✓Less documentation than traditional banks
  • ✓Flexible on credit and income for many programs
  • ✓Can finance non-warrantable properties

Disadvantages

  • ×Higher rates than conventional mortgages
  • ×Prepayment penalties on some loans
  • ×Requires significant down payment or equity
  • ×Points and fees can be 2-4% of loan
  • ×Personal guarantee typically required

Ready to Apply?

Get pre-qualified in minutes. No hard credit pull to see your options.

Start Application

Questions? Talk to a specialist:

(215) 999-8412

Mon-Fri 9am-6pm CT

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