Private money lender for
One private money lender for every stage of the deal, with the rates and requirements published. A bridge loan to acquire. A fix and flip loan to renovate. A ground-up construction loan to build. A DSCR rental loan to hold. A commercial and mixed-use term loan for the buildings a rental program will not touch. Every stage of a real estate investment, financed by the same team.
Hard money, fix and flip, construction, DSCR and commercial: pick the loan that matches the plan.
Move like cash on acquisitions, refinances, cash-outs, junior liens, cross-collateral, and special situations. Instant term sheet, close in 2 weeks.
The purchase and the renovation in one loan: up to 90% of the price, 100% of the rehab budget drawn as the work completes, 12 months interest only. Leverage steps up with your track record.
The lot and the build for experienced builders: up to 75% of the land with permits, 100% of the construction budget in draws, and a financed interest reserve if you want one.
Long-term financing for a rental, qualified on the property's own cash flow rather than your tax returns. One rental or a whole portfolio under one loan, closed in your LLC.
Thirty-year fixed financing on office, retail, industrial, self-storage and automotive property, mixed-use buildings, and multifamily of five or more units: up to 75% of value, $100,000 to $5,000,000, qualified on the property. Plus an equity loan at up to 50% of value for borrowers a credit score would stop elsewhere.
Buy it. Build it. Keep it. Repeat.
The programs are built to run in sequence. Acquire on the bridge, or fund the buy and the work together on a fix and flip or a ground-up loan. Stabilize and lease. Refinance into DSCR on the property's own rent. Hold it, recycle the capital, and go again - with one platform the whole way.
Bridge, fix and flip, or ground-up, depending on what the property needs.
The holdback funds the work in draws as it is completed and inspected.
Get the rent flowing while the short-term loan carries the project.
Exit into long-term financing with the same team, then hold.
Business purpose. Real estate secured. Nationwide.
- Business-purpose loans only, secured by real estate, closed in the entity you invest through
- Nationwide, with each program's current state map on Where We Lend
- Rate, points, and fees quoted per file with the term sheet; nothing is published as a rate sheet
- One point of contact from the first term sheet to the long-term hold
- Brokers welcome on every program - see Brokers
- Buying with cash-buyer speed, no rehab: Bridge
- Buying and renovating a 1-4 unit: Fix and Flip
- Building new on a lot: Ground-Up
- Keeping a leased rental long term: DSCR
- Five or more units, mixed-use, commercial, long term: Commercial and Mixed-Use
- Real equity, bruised credit: the equity loan on Commercial and Mixed-Use
Tell Us the Plan.
Send the property and what you intend to do with it. We will point you to the right program and respond with terms.