Your Questions, Answered.

We specialize in five investment property loan programs: Fix & Flip bridge loans, DSCR Rental loans, BRRRR strategy financing, New Construction loans, and Short-Term Rental (STR) loans. Every product is designed for real estate investors — not owner-occupants.

No. We are a loan referral and brokerage firm. We match you with the best institutional lender from our network based on your deal, credit profile, and loan type. This means you get competitive pricing and access to multiple capital sources — all through one relationship.

Minimum credit score requirements vary by loan type. Fix & Flip and BRRRR bridge loans start at 600. DSCR Rental, Short-Term Rental, and BRRRR refi loans start at 640. New Construction starts at 620. These are minimums — better scores typically mean better rates.

Not for DSCR or STR loans. These programs are underwritten based on the property's income, not your personal income. Fix & Flip and Construction loans may require bank statements or proof of liquidity, but we never require W-2s or personal tax returns for our investment property programs.

Our average close time is 48 hours from approved loan docs — some deals close same-day once fully underwritten. Fix & Flip and bridge loans move fastest. DSCR and construction loans typically close in 7–14 business days. We don't manufacture delays.

DSCR stands for Debt Service Coverage Ratio. It's a metric that compares a property's gross rental income to its monthly debt obligations (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means the rent exactly covers the debt. We have no minimum DSCR requirement — both cash-flowing and sub-1.0 deals are considered. You qualify based on the property, not your personal income.

Our minimum loan amount is $75,000 across all programs — Fix & Flip, BRRRR, DSCR Rental, and Short-Term Rental. New Construction starts at $150,000. We go up to $5,000,000 on most programs.

Yes, with some exceptions. Our lender network covers most U.S. states. Programs are not available in Nevada, South Dakota, North Dakota, or Utah. Contact us with your target state and property type and we'll confirm availability.

LTV (Loan-to-Value) is the loan amount divided by the current property value. LTC (Loan-to-Cost) is the loan amount divided by the total project cost including purchase and rehab. ARV (After-Repair Value) is the projected value of the property after improvements. We lend against all three depending on the program.

Fix & Flip bridge loans have no prepayment penalty — sell or refi whenever the deal is done. DSCR and STR loans typically carry a 3-year step-down prepayment schedule (3-2-1). We'll disclose all prepayment terms before you sign.

It starts here, online. Fill out our 6-step application covering your loan type, property details, deal parameters, and borrower profile. We review every application within 2 business hours and reach out directly. No automated black boxes — a real person reviews your deal.

Yes, with caveats. First-time flippers are considered on a case-by-case basis, typically with a lower LTV, higher reserve requirements, or a mentorship arrangement. Show us the deal — if the numbers work and you have a solid exit strategy, we'll find a way to fund it.

We fund non-owner-occupied investment properties including single-family homes, 2-4 unit multifamily (up to 10 units for DSCR/STR), condos (warrantable and non-warrantable by program), and townhomes. Properties must be in the United States and in eligible states.

For new construction and renovation loans, funds are released in draws tied to project milestones (foundation, framing, rough-in, drywall, completion). Each draw is inspected before release. You submit a draw request, we order an inspection, and funds are typically released within 48 hours.

Reserve requirements vary. DSCR loans typically require 6 months of PITIA (principal, interest, taxes, insurance, HOA). Fix & Flip loans require proof of funds to cover rehab budget shortfalls and carrying costs. New Construction requires full project budget documentation. We'll tell you exactly what's needed for your specific deal.