Financing built for real estate investors

Long-term financing for income-producing rentals, underwritten on the property's Debt Service Coverage Ratio instead of your personal income. If the rent covers the payment, the deal works—no pay stubs, no employment verification.

Loan amount

$100K – $3M+

Min DSCR

1.0 – 1.25x

Down payment

20 – 25%

Credit score

620+

Cash-out LTV

Up to 75–80%

Term

30-year options

Financing for ground-up residential builds nationwide, structured by people who know how builds actually run. We help you time the loan, plan interest reserves, and protect your real profit—not just hand you money and disappear.

Loan term

12 – 18 months

Structure

Interest reserves

Draws

Flexible, milestone-based

Coverage

Nationwide

Exit

Sell or construction-to-perm

Short-term financing that covers both the purchase and the renovation, underwritten on after-repair value so you can move fast and recycle capital. Rehab funds advance by draw as the work gets done.

Approval

24 – 48 hours

Term

6 – 12 months

Basis

After-repair value (ARV)

Funds

Purchase + rehab

Draws

Milestone-based

Flexible bridge financing for time-sensitive acquisitions, stabilizations, and timing gaps—buy before you sell, close fast, then transition to your permanent exit on your schedule.

Term

6 – 24 months

Decision

24 – 48 hours

Funding

As fast as 1–2 weeks

Prepay

No penalty

Exit

Sale or refinance

Purpose-built financing for the build-to-rent strategy. Fund ground-up construction of rental homes, then roll straight into long-term DSCR financing at completion—no new lender, no second approval gauntlet.

Phase 1

Construction, 12–18 mo

Phase 2

DSCR long-term

Draws

Custom to build timeline

Structure

Interest reserves

Exit

Hold & rent