Our role as your real estate partner is based on a commitment to empower you in your investment ventures. We’re not just here to offer capital opportunities ~ we provide personal, strategic consultation to guide you through the complexities of the market. Our tailored solutions are born out of a genuine dedication to your success, encompassing a vast portfolio of loan products, from flexible fix & flip options to comprehensive construction financing, long term rental loan programs, double closing transactions and earnest money requirements.
By selecting us as your strategic ally with your investment, you align with a vision that aims to redefine excellence in global real estate partnerships. We are dedicated to transforming market challenges into profitable opportunities for you, setting new industry benchmarks for success. Your success is our mission.
Customizable loan solutions to fit individual investment needs.
Fast funding to keep pace with dynamic market opportunities.
Consistent delivery of funds and supportive services
Clear terms, no hidden fees, and straightforward communication.
Partnerships that align with investor goals for mutual success.
A proven track record of successful investment financing.
Our Fix/Flip, New Construction, and Bridge loans are structured with 12-18 month terms, while our 30-year DSCR rental loans feature various prepayment and ARM options, including interest-only periods upon request.
We aim for a swift closing within 2-3 weeks for Fix/Flip, New Construction, and Bridge loans, and 4-5 weeks for Rental DSCR loans. Timelines may improve with expedited document submission and efficient coordination.
Interest rates vary by loan type and are influenced by the borrower’s experience, creditworthiness, and deal specifics. Rates for Fix/Flip, New Construction, and Bridge loans currently range from 10-12%, with Rental DSCR loans at 7.5-9.5%.
Our loans typically involve 2-3 points based on the borrower’s experience, credit, and loan type, payable at closing alongside other closing costs.
We charge a legal fee of $1000, a commitment fee of $995, plus a $40 wire fee. Draw requests incur a $250 inspection fee.
We utilize third-party vetted appraisers for valuations. However, we’re open to considering your preferred appraisers for future inclusion in our approved list.
We consider extension requests on a case-by-case basis for loans in good standing, with possible 30-day to 6-month extensions subject to an extension fee of 1-2 points.
Our Fix/Flip, New Construction, and Bridge loans carry no prepayment penalties. Rental DSCR loans have variable penalties ranging from 1-5 years.
We evaluate both the real estate deal and the borrower’s credentials to ensure the success and timely completion of the project.
Our “light documentation” loans focus on liquidity, creditworthiness, and experience rather than extensive income verification.
A minimum credit score of 650 is required for experienced investors and 680 for new investors or those seeking Rental DSCR loans.
We perform a hard credit pull for live fix/flip, new construction, and bridge loans, with the report valid for subsequent deals up to 3-6 months.
We’re unable to fund within five years following a bankruptcy or foreclosure event.
We require 10-30% of the purchase price as investment in the deal, plus sufficient funds for closing costs and working capital.
Yes, as you complete more projects, your required down payment may decrease, reflecting our merit-based system.
Only fix/flips, new constructions, or rental purchases count towards your experience; wholesale transactions or projects completed for others don’t qualify.
Yes, provided funds are sourced responsibly and deposited into an account prior to closing. Rental DSCR loans require a three-month seasoning period.
Construction funds are reimbursed post-completion of work through draw requests following inspection.
Draw reimbursements typically take 3-5 business days after completion of the inspection process.
We lend in all states except North Dakota, South Dakota, Minnesota, Vermont, and Idaho.
Our minimum loan amount is $100,000 but may consider $75,000-$100,000 for exceptional cases. Rental DSCR loans require a minimum of $100,000/unit.
Lending on rural properties is limited and dependent on location-specific factors like population density and comparable property availability.
We finance commercial properties that are predominantly residential (5+ unit multifamily or mixed-use), with loans starting at $250,000. We do not support purely commercial or special use properties.
Loans on fire-damaged properties are considered based on the borrower’s expertise and property condition.
As we offer commercial loans, we can only lend to entities such as LLCs, S-Corps, C-Corps, etc.
Lending to a trust requires examination of trust documents on a case-by-case basis, and the trust must be irrevocable.
Our team orders appraisals through an AMC or approved appraiser following a borrower interview and mutual agreement to proceed.
You may choose your title company and insurance broker, or we can recommend vetted partners. We require contact information for all vendors involved.
We make independent loan decisions and manage multiple capital sources, providing flexibility and options for our borrowers.
We require a first lien position for all loans, meaning seller holdbacks must be paid off before we can consider refinancing.
We do not finance properties such as bed and breakfasts, rooming houses, or hotels/motels due to their commercial nature.
We are thrilled to have the opportunity to invite you to a Zoom meetup focused on transactional funding, and real estate partnerships!
Our mission is to empower and guide real estate investors as trusted consultants, offering innovative funding solutions tailored to navigate and conquer challenging situations. Committed to providing expert guidance and creative financial pathways, we enable strategic investments, fostering enduring partnerships that drive success in the dynamic real estate landscape.
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