Program Details

30-Year Fixed Rental Loan (NO-Income Verification)

Long-term, fixed-rate financing with no balloon and flexible underwriting.

Designed for investors seeking predictable, long-term rental and commercial financing.

• 30-year fixed-rate loans with optional interest-only periods up to 10 years
• Up to 90% LTV for purchases and up to 100% for renovations on residential investments
• Up to 70% LTV available for commercial real estate
• No income verification required — ideal for self-employed investors and developers
• Eligible property types: 1–4 family, condos, 2–4 units, 5+ unit multifamily, mixed-use, and commercial assets

NO-DOC Investment Property & CRE Loans

Fast, asset-based funding for residential and commercial investors.

Designed for investors seeking predictable, long-term rental and commercial financing.

• 30-year fixed-rate loans with optional interest-only periods up to 10 years
• Up to 90% LTV for purchases and up to 100% for renovations on residential investments
• Up to 70% LTV available for commercial real estate
• No income verification required — ideal for self-employed investors & developers
• Eligible property types: 1–4 family, condos, 2–4 units, 5+ unit multifamily, mixed-use, and commercial assets

Short-Term Bridge Loan – 1–4 Unit & Small Multifamily

Interest-only bridge financing to improve, stabilize, and exit quickly.

A short-term, interest-only bridge loan designed for investors who need fast capital to acquire, improve, or stabilize a property without traditional documentation requirements.

• Fund improvements using as-is or as-repaired value, with leverage up to 90% of purchase and 100% of renovation costs.
• Residential (1–4 unit, small multifamily, condos, townhomes) eligible up to 75% of ARV; commercial up to 70% LTV.
• Loan sizes to $15M with straightforward credit requirements (620+ FICO).
• No tax returns, no income verification, and faster approvals than standard hard money lenders.
• Typical terms include 12-month interest-only, with extensions available and the ability to refinance into long-term DSCR or portfolio loans.
• Approvals generally in 48 hours and closings in 10–15 days, ideal for time-sensitive acquisitions or value-add deals.

Fix & Flip Loans

High-leverage capital to purchase, renovate, and sell or rent.

For non-owner-occupied 1–4 family, condos, townhomes, and 5+ unit multifamily investments.

• Up to 90% of the purchase price and up to 100% of rehab / construction costs

• Loan amounts from $100K to $5M with 12–18 month interest-only terms

• Maximum 85% LTC and up to 75% of ARV

• No tax returns, no income verification, no W-2s; minimum credit score 620

• No upfront fees; pre-approval in 24–48 hours and funding in 10–15 business days

• Available for first-time investors, with even better terms for experienced developers

Bridge Loans – Commercial & Investment Property

Nationwide, asset-based bridge financing for value-add and transition deals.

Quick-closing, asset-based bridge financing for commercial and residential investment real estate.

• Fast capital for acquisitions, renovations, and value-add strategies across commercial, mixed-use, and residential investment properties.

• Asset-based underwriting — no tax returns, no income verification, and streamlined documentation.

• Loan amounts from $100K to $15M (full-doc options available for transactions up to $100M).

• Leverage up to 90% LTV on residential investments, up to 75% LTV on commercial, and up to 100% of renovation costs.

• Typical terms: 12–36 months with extension options, competitive interest-only structures.

• Pre-approval in 48 hours and closings in 15–30 days, ideal for time-sensitive or transitional deals.

• Works for retail, mixed-use, hospitality, office, self-storage, warehouse, medical, automotive, and more.

Investment Property Loans

Flexible long-term and short-term capital for income-producing assets.

Flexible long-term and short-term financing for income-producing properties.

• Eligible for non-owner occupied single family, 2–4 units, condos, townhomes, small multifamily, mixed-use, and commercial properties.
• Long-Term option: fixed-rate loans up to 30 years, with interest-only periods available for up to 10 years.
• Short-Term option: asset-based financing up to 90% of purchase and 100% of renovation costs, up to 75% of ARV.
• Pre-approval in 24–48 hours, with closings typically in 15–21 days.
• Loan amounts up to $15M for residential & small commercial, and up to $50M+ for portfolios or larger projects (up to $100M+ full-doc).
• Owner-occupied commercial and mixed-use (51%+ business occupancy) may qualify under SBA 7(a) or SBA 504 structures.

Multifamily Short-Term Loan

Bridge capital for 5+ unit and condo apartment buildings.

Short-term, value-add bridge financing for 5+ unit multifamily and condo buildings.

• Loan amounts from $250K to $15M (larger considered with full documentation)
• Interest-only structures with fixed or adjustable rate options
• Up to 90% of purchase / as-is value plus 100% of rehab costs for acquisitions
• Refinance cash-out available up to 70% of as-is value plus 100% of rehab (up to ~75% of appraised value)
• Terms up to 24 months, with two 6-month extension options
• Minimum guarantor FICO typically 650
• Mix of non-recourse and limited-recourse available depending on loan size

Rental Portfolio Loan – Long-Term Hold

Bridge capital for 5+ unit and condo apartment buildings.

Long-term financing for portfolios of rental properties and small multifamily buildings.

• Loan amounts from $250K to $50M

• Eligible collateral: SFR, 2–4 units, townhomes, condos, and 5–8 unit multifamily / mixed-use portfolios

• 30-year fixed fully amortizing options and 5/6, 7/6, 10/6 hybrid ARMs (partial IO or fully amortizing)

• Up to 80% of total cost basis if owned less than 3 months (with modest LTV adjustments between 3–6 months)

• Up to 80% purchase LTV and up to 75% LTV on cash-out refinances (subject to minimum FICO and DSCR)

• DSCR requirements: typically 1.10x–1.20x, depending on portfolio size and structure

• Non-recourse available up to $2M with standard “bad-boy” carve-outs and equity pledge

Ground-Up Construction – Small & Mid-Size Projects

High-LTC construction loans for 1–4 unit and small multifamily builds.

High-LTC construction financing for 1–4 unit and small multifamily projects.

• Acquisition, development, and vertical construction financing for 1–4 family, 5+ unit multifamily, townhomes, condos, and small commercial
• LTC up to 85% of total project costs (land + development) for experienced sponsors
• Up to 75% of land value or purchase price (60% if unpermitted) plus 100% of construction costs
• LTC up to 90% available for highly experienced developers with prior ground-up projects
• Loan amounts from $250K to $15M, with nationwide coverage and 12–36 month interest-only terms
• Fast approvals and funding in 15–30 days; better terms available for proven developers

Ground-Up Construction – Large CRE & Build-to-Rent

Institutional-style construction capital for major projects.

Institutional-level construction financing for large commercial and residential projects, including build-to-rent communities.

• Loan amounts from $5M to $100M+ (larger considered with full documentation)

• Initial terms 24–36 months, with 12–24 month extension options

• Up to 80% LTC, interest typically structured over SOFR + 600–750 bps, with an agreed interest cap at closing

• Typical fee structure: ~2% origination, ~1% lender, plus modest extension fees

• Non-recourse available with standard carve-outs, completion and carry guarantees, and environmental indemnity

• Dedicated asset-management support, with take-out bridge financing available at completion

Business & SBA Loan Solutions

Growth capital, acquisitions, and owner-user real estate with SBA options.

Flexible financing for acquisitions, growth, and owner-user real estate — including SBA options.

• Business loans from $50K to $15M+ for acquisitions, expansion, working capital, equipment, refinance, and partner buyouts
• Flexible underwriting; most business types eligible, including sole proprietors and rural locations
• SBA 7(a) up to $5M and SBA 504 up to $15M for owner-occupied (51%+) commercial real estate, equipment, and construction
• Up to 90% loan-to-value, terms up to 25 years, and no balloon payments
• SBA construction options blending SBA, USDA, and conventional funds for new locations and expansions
• Working capital and equipment loans with fast approvals, low rates, and up to 100% LTV on qualifying equipment

Foreign Investor Loan

U.S. investment property financing with no U.S. credit or SSN required.

Financing designed for foreign investors purchasing or refinancing U.S. investment properties — no U.S. credit or SSN required.

• No U.S. credit score or Social Security number needed

• Up to 65% LTV with 30-year fixed-rate structures and par pricing

• Eligible property types: 1–4 unit (SFR, condos, 2–4 unit), 5+ unit multifamily, mixed-use, and commercial (office, retail, warehouse, self-storage, automotive)

• Ideal for long-term hold strategies where traditional U.S. bank financing is unavailable

FAQs

What is LTV?

LTV means loan-to-value, showing loan amount versus property value.

How does LTC work?

LTC compares your loan to the total cost of the project, including repairs.

What leverage do DSCR loans offer?

DSCR loans provide up to 80% LTV, ideal for income-producing properties.

Can I get 100% financing?

Bridge loans can offer up to 100% LTV depending on the deal.

What about fix & flip loans?

Fix & flip loans go up to 90% LTC to cover purchase and rehab.

How do mixed-use and multifamily loans differ?

Both offer up to 80% LTV, but mixed-use combines residential and commercial spaces, while multifamily focuses on apartment buildings.