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Investment Property Loan Options

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Fix-and-Flip

Fix-and-Flip loans are short-term financing options tailored for real estate investors looking to purchase, renovate, and quickly resell properties for profit. These loans are ideal for experienced investors as well as newcomers to the fix-and-flip market.

Key Features:

  • Fast Approval and Funding: Quick access to funds to capitalize on time-sensitive deals.

  • Flexible Terms: Customized loan structures based on the scope of your project.

  • Rehabilitation Financing: Funds cover both the property purchase up to 85% LTV and  100% of renovation costs.

  • Competitive Interest Rates: Rates designed to support profitable flips.

Who Should Use Fix-and-Flip Loans?

This loan type is perfect for:

  • Investors looking to renovate distressed properties.

  • Real estate professionals aiming to add value to underperforming properties.

  • Entrepreneurs seeking to scale their property-flipping ventures.

With our Fix-and-Flip loan options, you’ll have the financial tools you need to bring your vision to life, maximize your returns, and grow your real estate portfolio.

Rental Property Loans

 (DSCR Lending)

Rental Property Loans through DSCR (Debt Service Coverage Ratio) lending are designed for real estate investors aiming to acquire or refinance income-producing properties. These loans focus on the property’s ability to generate enough rental income to cover its debt obligations, rather than the borrower’s personal income.

Key Features:

  • Qualification Based on Cash Flow: Approval is based on the property’s DSCR, making it easier for investors with multiple properties or complex financial situations to qualify.

  • Flexible Loan Terms: Options for fixed or adjustable rates, tailored repayment periods, and interest-only periods.

  • No Personal Income Verification: Focus on property performance rather than personal income or employment history.

  • Portfolio Growth: Ideal for scaling your rental property portfolio.

Understanding DSCR:

The DSCR is calculated by dividing the property’s annual net operating income (NOI) by its annual debt obligations.

  • A DSCR of 1.0 means the property breaks even (income equals expenses).

  • A DSCR above 1.0 indicates positive cash flow, demonstrating the property’s profitability and ability to support loan repayment.

Who Should Use DSCR Lending?

This loan type is ideal for:

  • Investors looking to build or expand their rental property portfolio.

  • Borrowers who prefer streamlined approval processes without personal income verification.

  • Individuals seeking financing for single-family homes, multifamily units, or mixed-use properties.

With DSCR lending, you can focus on building a steady income stream and achieving long-term wealth through real estate investments without the hassle of traditional income documentation.

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Ground Up Construction 

Ground-Up Construction Loans provide financing for real estate investors and developers to build new properties from the ground up. Whether you’re constructing single-family homes, multifamily units, or commercial buildings, these loans offer the funding needed to bring your vision to life.

Key Features:

  • Project-Based Financing: Funds disbursed in stages, aligned with construction milestones.

  • Custom Loan Structures: Tailored terms and rates to suit the scale and scope of your project.

  • Comprehensive Coverage: Financing can include land acquisition, development, and construction costs.

  • Flexible Options: Available for residential, commercial, and mixed-use developments.

Who Should Use Ground-Up Construction Loans?

This loan type is perfect for:

  • Developers building new properties to sell or lease.

  • Real estate investors seeking to maximize value by creating custom projects.

  • Builders looking for flexible and reliable funding for construction.

Benefits of Ground-Up Construction Loans:

  • Access to capital without tying up personal funds.

  • Ability to bring ambitious real estate projects to market.

  • Support from lenders experienced in construction projects.

Designed exclusively for experienced investors, our Ground-Up Construction Loans provide the financial foundation needed to bring your real estate projects to life.

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