LOAN PROGRAMS

Four programs. Built by operators.

Every program is structured around how investors actually run deals. Fast closings, transparent pricing, draw schedules tied to milestones — not arbitrary calendar dates.

§ 01WHAT WE FUND
PROGRAM 01

Fix & Flip

RATE
8.50 – 10.99%
LEVERAGE
92.5% LTC · 75% ARV
TERM
12 months
POINTS
1.5 – 3.0 (avg 2.0)

Short-term capital for buying and renovating residential properties for resale.

Short-term capital for acquiring and renovating residential properties for resale. We fund up to 100% of your rehab budget — reimbursed in 72-hour draws as work completes. No prepayment penalty if you exit faster than projected. Best for residential flippers running 1–4 unit projects with a 6–18 month hold horizon.

PROGRAM 02

Ground-Up Construction

RATE
8.99 – 10.99%
LEVERAGE
90% LTC · 70% ARV
TERM
12 – 18 months
POINTS
2.0 – 3.0

Staged financing for new residential construction and spec builds.

Staged financing for new residential construction. We fund land acquisition (up to 60%) and 100% of vertical construction cost. Draw-based releases tied to milestone inspections — no surprises, no delays. Best for experienced builders developing single-family or small subdivision projects.

PROGRAM 03

Bridge

RATE
8.50 – 11.99%
LEVERAGE
80% LTV
TERM
12 months
POINTS
1.5 – 3.0

Short-term capital for acquisitions, refinances, and cash-out on stabilized properties.

Short-term capital for acquisitions, refinances, and cash-out on stabilized properties. Multi-family, mixed-use, and small commercial. 12-month standard term with no prepayment penalty. Best for time-sensitive acquisitions or transitional refinances ahead of a stabilization event.

PROGRAM 04

DSCR Plus

RATE
from 6.00%
LEVERAGE
80% LTV
TERM
up to 30 years
POINTS
1.0 – 2.5

Long-term financing for income-producing rentals — qualifies on property cash flow.

Long-term financing for income-producing rentals. We qualify on the property's cash flow at 1.0x DSCR minimum — no personal income docs. Up to 10 years interest-only, then 30-year amortization. Best for buy-and-hold investors building rental portfolios with cash-flowing assets.