Who this is for
Investors who need fast financing on properties that don't qualify for conventional loans — distressed properties, fast acquisitions, fix-and-flip projects, bridge situations, and new construction.
Common use cases
- Fix & flip — acquire, renovate, sell
- Bridge loans — short-term financing while securing permanent financing
- Distressed property acquisition (needs work, won't pass conventional appraisal)
- New construction — ground-up residential builds
- Auction purchases and time-sensitive closings
- Cash-out on properties with equity, regardless of income
Program parameters
Loan-to-Value
Up to 75% ARV / 90% LTC
Loan Terms
6 – 24 months typical
Closing Speed
5 – 14 business days
Min. Credit Score
Flexible — asset-based
Loan Amounts
$100K – $5M+
Property Types
SFR, Multi, Commercial, Land
Rehab Financing
Available (draws)
Recourse
Personal guarantee typically required
Rates and terms vary by lender, deal structure, and borrower experience. Contact us for deal-specific pricing.
What we look at
- Property value and after-repair value (ARV)
- Your exit strategy — refinance, sale, or hold
- Investor experience and track record
- Equity position and project scope