Find out updated rates and new programs!
1. Loan Products and Requirements
fix & flip
For real estate investors who want to buy, renovate and resell /refi their property within 12 months. Minimum loan amount is $100,000 and minimum as-is value is $100,000. Single family and multi-family up to 4 units and condos are acceptable. Credit 650+ is required.
Rent
Perfect for investors who want to buy or refinance a stabilized (no rehab) property. Short term rentals and vacation property accepted. 30 year fixed and other programs available.
Minimum loan amount is $150,000 and credit 660+. 1-8 units.
Minimum loan amount is $150,000 and credit 660+. 1-8 units.
ground up
Perfect for experienced investors who want to start a new construction project. Term up to 18 months Minimum loan amount is $100,000. Single family and multi-family up to 4 units and condos are acceptable. Credit 650+. At least 2 previous similar experience required.
commercial
For experienced investors purchasing, rehabbing, or refinancing multifamily, office, mixed-use, industrial, senior, or manufactured housing. Loans range from $2M–$15M, up to 80% LTC, 12–24 month terms, SOFR-based rates. Credit 680+ and at least 2+ years experience required.
If you don't meet the minimum credit or experience requirement, you can add a co-borrower guarantor. We require at least one of the guarantors to have a FICO score of 650+, or 680 and above if there is no previous fix and flip experience.
2. Get answers to Frequently Asked Questions
Do you lend on primary residences?
No. We only finance non-owner-occupied loans for non owner occupied properties.
Can you finance multi-family properties?
Yes, 1 - 4 per building.
Can you do 100% financing?
Yes, in some cases. We do not offer Gap funding. You must have proper reserves.
What is the minimum FICO score?
650
How do you calculate the maximum loan amount?
=We lend up to 90% LTC and between 70 -75% LTV
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