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Loan Products 

Fix & Flip 

We offer flexible short-term financing solutions for the acquisition and renovation of non-owner-occupied properties. Whether you're purchasing a property to rehab and resell, or updating a rental for increased cash flow, our loan programs are designed to meet your needs.​

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Key Features:

  • Loan Amounts: $100,000- $3,500,000

  • Property Types: Non-owner-occupied Single-family residence ,2-4 unit multifamily, Condominiums, Townhomes, Planned unit developments (PUD)

  • Loan Terms: Up to 24 Months

  • Loan-to-Value (LTV): Up to 90% of the purchase price/ Up to 100% of rehab and Up to 75% of the after-repair value (ARV)

  • Interest Rates: Competitive rates to minimize holding costs. Starting at 9.75%

  • Quick Closings: Fast approval and funding to help you secure opportunities

  • ​Minimum FICO: 600

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Our short-term financing gives real estate investors the flexibility and speed needed to acquire, renovate, and reposition properties for maximum profitability.​

Wood Frame of House
House Frames

Ground-Up Construction 

We provide tailored financing solutions for residential new construction projects, whether you're building 1-4 units or developing 5 or more units. Our loan programs are designed for builders, developers, and investors looking to fund their construction projects with competitive rates and flexible terms.​

 

Key Features:

  • Loan Amounts: $100,000 - $3,500,000

  • Property Types: 1-4 unit homes or multi-family developments (5+ units)

  • Loan-to-Cost (LTC): Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction

  • Max 90% of total project costs

  • Interest Rates: Competitive rates to help manage project costs Starting at 10.99%

  • Loan Terms: Up to 24 Months

  • Quick Closing: Fast approval and funding to keep your project on track

  • Minimum FICO: 680

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Whether you're a seasoned developer or an investor breaking ground on your next project, our construction financing solutions are designed to help you succeed from start to finish.

DSCR

Our long-term financing solutions are tailored for investors seeking to refinance or expand their 1–4 unit rental property investments. With competitive interest rates starting at 6.75% and a Debt Service Coverage Ratio (DSCR) as low as 1.10, our loan options provide the flexibility and affordability you need to grow your investment holdings.​

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Key Features:

  • Loan Amounts: $100,000 - $2,000,000

  • Interest Rates: Starting at 6.75%

  • DSCR Requirements: As low as 1.10

  • Property Types: 1–4-unit residential properties

  • Minimum FICO: 660

  • Loan Terms: 30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1), &
    5- & 10-Year Interest-Only

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This financing solution is perfect for investors seeking long-term stability, predictable payments, and the ability to scale their rental property investments with ease.

Luxury Modular Homes
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Rental Portfolios

Tailored financing options for real estate investors who own or are looking to expand their portfolio of rental properties. Whether you're purchasing additional properties, refinancing existing ones, or making improvements to increase value, our loan products are designed to meet your needs.​

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Key Features:

  • Loan Amounts: $100,000 - $2,000,000

  • Interest Rates: Starting at 7.50%

  • DSCR Requirements: As low as 1.20

  • Loan Terms: Up to 30 years, fixed and adjustable rate options

  • Property Types:1-4-unit properties, PUDs, warrantable condos, townhomes

  • Minimum FICO: 680

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This financing solution is perfect for investors seeking long-term stability, predictable payments, and the ability to scale their rental property investments with ease.

Multi-Family / Mixed-Use Bridge

Our Short-Term Bridge Loans provide flexible, fast financing solutions for investors looking to acquire or reposition multi-family properties with 5 or more units. These loans are ideal for borrowers who need temporary financing to bridge the gap between the purchase, refinance, or renovation of a property and securing long-term financing or selling the asset.

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Key Features:

  • Loan Amounts: $250,000 to $10,000,000

  • Loan Term: 12 to 36 months

  • Minimum FICO: 680

  • Property Types: Multi-family buildings with 5+ units

  • Loan-to-Value (LTV): Up to 75% of the current appraised value

  • Interest Rates: Competitive rates starting from 9.99%

  • Repayment: Interest-only payments during the loan term

  • Funding Time: Quick closings in as little as 15-20 business days

  • Exit Strategy: Refinancing into long-term debt or sale of the property​

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With our bridge loans, you get the flexibility to enhance or reposition your asset, ensuring a smooth transition to long-term financing or an exit strategy while optimizing your investment.

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Modern Apartment Block
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Land Development 

Land Development Loan is designed to support developers and investors in financing land acquisition and development projects. With flexible terms and competitive options, we provide tailored solutions to help bring your projects to life.

 

​Key Features:

  • Loan Size: $5,000,000 to $30,000,000  

  • Loan Term: 12 to 36 months  

  • Interest Options: Fixed or floating rates available  

  • Loan-to-Cost (LTC): Up to 50% on land, 75% for vertical single-family residential (SFR) construction  

  • Loan-to-Value (LTV): Up to 65% of the projected sellout value  

  • Loan Position: Senior debt only  

  • Recourse: Limited to bad acts, completion guarantees, interest & carry, and environmental liability

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This loan offers developers the financial backing needed to acquire and develop land, while maintaining flexible terms and protection for both parties.​

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