Our Loan Programs
Flexible financing solutions for real estate investors
Fix & Flip Loans
Our Fix & Flip loans are designed for investors looking to purchase, renovate, and sell properties for profit. With competitive rates and flexible terms, we make it easy to finance your next project.
- Loan amounts from $50,000 to $5 million
- Up to 90% of purchase price and 100% of renovation costs
- Terms from 6 to 24 months
- Interest rates starting at 9.99%
- No prepayment penalties
Example Fix & Flip Scenario
Purchase Price: $250,000
Renovation Budget: $75,000
After Repair Value (ARV): $425,000
Loan Amount: $300,000 (90% of purchase + 100% of renovation)
Term: 12 months
Rate: 8.5%
Monthly Payment: $2,125
This example is for illustrative purposes only. Actual terms may vary based on property, borrower qualifications, and market conditions.
Ground-Up Construction
Our Ground-Up Construction loans provide the capital needed to build new properties from the ground up. We offer competitive rates and flexible terms to help you maximize your investment.
- Loan amounts from $150,000 to $10 million
- Up to 90% of total project cost
- Terms from 12 to 18 months
- Interest rates starting at 10.99%
- Draw schedules tailored to your project timeline
Example Construction Scenario
Land Cost: $400,000
Construction Cost: $1,200,000
Completed Value: $2,100,000
Loan Amount: $1,360,000 (85% of total project cost)
Term: 24 months
Rate: 9.25%
Draw Schedule: 5 draws based on construction milestones
This example is for illustrative purposes only. Actual terms may vary based on property, borrower qualifications, and market conditions.
DSCR Rental Loans
Our Debt Service Coverage Ratio (DSCR) Rental Loans are perfect for investors looking to build a portfolio of rental properties. We offer long-term financing with competitive rates and no personal income verification.
- Loan amounts from $75,000 to $5 million
- Up to 80% LTV for purchases and refinances
- Terms of 5, 7, or 10 years
- 30-year amortization
- Minimum DSCR of 1.0
- No tax returns or personal income verification required
Example DSCR Rental Scenario
Purchase Price: $350,000
Monthly Rental Income: $3,200
Loan Amount: $280,000 (80% LTV)
Term: 7 years
Rate: 6.75%
Monthly Payment: $1,817 (P&I)
DSCR: 1.76 ($3,200 รท $1,817)
This example is for illustrative purposes only. Actual terms may vary based on property, borrower qualifications, and market conditions.
Cash-Out Refinance
Our Cash-Out Refinance loans allow investors to tap into their property's equity to fund new investments, renovations, or other business needs. We offer competitive rates and flexible terms to help you access the capital you need.
- Loan amounts from $100,000 to $5 million
- Up to 75% LTV for cash-out refinances
- Terms from 6 to 24 months
- Interest rates starting at 8.49%
- Low seasoning requirements on most properties
Example Cash-Out Scenario
Current Property Value: $500,000
Existing Loan Balance: $200,000
New Loan Amount: $375,000 (75% LTV)
Cash Out: $175,000 (minus closing costs)
Term: 24 months
Rate: 8.75%
Monthly Payment: $2,734
This example is for illustrative purposes only. Actual terms may vary based on property, borrower qualifications, and market conditions.