Loan programs

Diversified lending, engineered for market speed

Seven programs covering acquisition, renovation, rental portfolios, new construction, refinancing and raw land. Every figure on this page is current — if a rate moves, this page moves with it.

Renovation financing

Fix & Flip Loans

High-leverage rehab financing that funds 100% of construction costs.

  • Rates from 9.9%Interest Rate
  • 90% purchase + 100% rehabPurchase / Rehab Funding
  • Loans up to $5MMaximum Loan
Rental income qualifying

DSCR Loans

Qualify on the property's cash flow, not your personal income.

  • Rates from 6.0%Interest Rate
  • Up to 80% LTVMax LTV (purchase price)
New build financing

Ground-Up Construction Loans

Flexible construction capital, structured around the builder's strategy.

  • 85% of cost + 100% constructionCost / Construction Funding
  • 12–24 Month TermsTerm
  • Loans up to $5MMaximum Loan
Short-term capital

Bridge Loans

Fast-track capital for time-sensitive acquisitions.

  • $1M – $50M+Loan Amount
  • Up to 80% LTVMax LTV (purchase price)
  • Funding in 7–10 daysFunding Timeline
Purchase and acquisition

Commercial Purchase

Finance the acquisition of commercial property on the date the contract sets.

Refinance and cash-out

Commercial Refinance

Replace expensive debt or pull equity out of a property you own.

Land and lot financing

Land Loans

Capital for builders banking lots and investors developing land.

  • 50%–65% LTVMax LTV
  • Rates 12%–14%Interest Rate
  • ~17 days to closeAverage Closing
Side by side

Compare the programs

The same figures as above, laid out so you can find the program that fits the deal.

Renovation financing

Fix & Flip Loans

High-leverage rehab financing engineered for professional investors scaling renovation portfolios. We structure financing that covers 100% of construction costs to maximize your return on capital.

Eligible properties

  • Single-family residential
  • Condominium
  • Townhome
  • 2 to 4 units
  • Non-owner occupied
Full details
Interest Rate
from 9.9%
Maximum Loan
up to $5,000,000
Max LTARV
up to 75%
Purchase / Rehab Funding
up to 90% of purchase, 100% of rehab
Term
up to 18 months
Payments
Interest-only
Prepayment
No prepayment penalty
Rental income qualifying

DSCR Loans

Debt Service Coverage Ratio financing is engineered for real estate investors scaling rental portfolios. Qualification is determined by the property's rental income rather than personal debt-to-income ratios, which allows you to grow without your own tax returns becoming the ceiling.

Eligible properties

  • Single-family rental
  • Condominium
  • Townhome
  • 2 to 4 units
  • Small multifamily
  • Non-owner occupied
Full details
Interest Rate
from 6.0%
Max LTV (purchase price)
up to 80%
Structure
30-year fixed and interest-only
Income Documentation
No personal income documentation
New build financing

Ground-Up Construction Loans

Construction financing that adapts to different use cases depending on the specific needs and strategy of the builder. Interest-only payments during the construction period keep carrying costs down while the project is still producing no income.

Eligible properties

  • Single-family residential
  • Condominium
  • Townhome
  • Non-owner occupied
Full details
Maximum Loan
up to $5,000,000
Cost / Construction Funding
up to 85% of cost, 100% of construction
Term
12–24 months
Payments
Interest-only during construction
Lien Position
First lien only
Short-term capital

Bridge Loans

Fast-track capital for opportunistic acquisitions, property stabilization, and short-term liquidity needs. Designed for investors who value closing speed above all else.

Eligible properties

  • Multifamily
  • Retail
  • Office
  • Industrial and warehouse
  • Mixed-use
Full details
Loan Amount
$1,000,000 – $50,000,000+
Max LTV (purchase price)
up to 80%
Term
12–24 months
Payments
Interest-only
Funding Timeline
7–10 business days
Purchase and acquisition

Commercial Purchase

Acquisition financing for investors and business owners buying commercial property. A purchase runs on someone else's clock: there is a seller, a signed contract and a closing date, and the money has to be ready before the due diligence period expires. We work the file across multiple lenders so the timeline is set by the deal rather than by one bank's queue.

Eligible properties

  • Multifamily
  • Retail
  • Office
  • Industrial and warehouse
  • Medical and dental office
  • Restaurants and hospitality
Full details
Refinance and cash-out

Commercial Refinance

Refinancing for owners who need to replace maturing or expensive debt, or who want to convert accumulated equity into working capital. Common uses include paying off a bridge loan on a stabilized property, taking cash out to fund the next acquisition, and moving from a short-term note to longer-term financing.

Eligible properties

  • Multifamily
  • Retail
  • Office
  • Industrial and warehouse
  • Medical and dental office
  • Mixed-use
Full details
Land and lot financing

Land Loans

Financing for builders banking lots and investors developing land. Finished lots with a clear exit strategy are the most straightforward land deals to finance, and they close fastest.

Eligible properties

  • Infill lot
  • Entitled land
  • Unentitled acreage
  • Commercial pad site
Full details
Interest Rate
12% to 14%
Max LTV
50% – 65%
Term
6–12 months
Average Closing
17 days
Prepayment
No prepayment penalty
Exit Fee
None
Find your situation

Financing for the deal you actually have

Every scenario below is one of these programs doing what it was built for. Pick the one that sounds like your deal.

Contact our team

Not sure which program fits?

Tell us about the property and the timeline. We will point you at the right structure — including when the answer is that none of these fit.

No obligation. Financing availability and eligibility are subject to applicable requirements and individual circumstances.