Programs
Flexible programs to fit your strategy.
We offer both short and long-term financing for fix and flips, new construction, development projects, and rental properties.
Program Overview
Four core loan programs.
Start with the loan that matches your property, timeline, and exit strategy. DSCR fits long-term rental holds, Fix & Flip fits renovation and resale, Bridge fits transitional situations, and Construction fits ground-up projects.
DSCR
Long-term rental financing for purchase or refinance when property cash flow supports the loan.
- $100,000 - $20,000,000 loan amounts
- Up to 80% LTV on qualifying loans
- Built for landlords, short-term rental owners, and portfolio borrowers
Fix & Flip
Short-term capital to acquire, renovate, and exit residential projects with terms visible upfront.
- $200,000 - $10,000,000+ loan amounts
- Up to 90% LTC and up to 75% ARV
- Renovation financing up to 100% on qualifying files
Bridge
Short-term bridge financing for properties and plans that are still in transition before permanent debt.
- Built for lease-up, repositioning, and custom bridge financing
- Commercial bridge terms can start around SOFR plus 3%
- Focused on transitional properties, not fix-and-flip execution
Construction
Ground-up financing for residential builders and developers, with selective commercial projects considered as well.
- $500,000 - $50,000,000+ loan amounts
- 75-90% LTC with 12-36 month terms
- Residential spec-build, subdivisions, and multifamily first
How borrowers describe the deal
If this is the language you already use.
These pages use the names people search and say out loud. Each one still maps to one of the four loan programs above — not a separate credit box.
Refinance or cash-out
Rate-and-term or cash-out on a rental already in place. Underwritten as DSCR.
- Purchase vs refinance vs cash-out is the first question
- Same DSCR terms: up to 80% LTV, as low as 1.00 coverage
- Use the DSCR calculator, then apply as a refinance
Long-term rental
Stabilized holds and portfolio rentals. This is the DSCR program in spoken language.
- Landlords, vacation rentals, and entity borrowers
- Purchase or refinance when rent supports the payment
- Not the path for ground-up construction or a flip
Multifamily 2–10
Small multifamily still sits on DSCR when the units produce rent, not a separate product.
- 2–4 units and selected 5–10 unit rentals
- Same cash-flow test as single-family DSCR
- Larger development belongs on construction
Hard money
Short-term capital by another name. The exit decides whether this is fix-and-flip or bridge.
- Renovate and sell → fix & flip
- Hold, lease-up, or takeout → bridge
- There is no third hard-money term sheet
Need help choosing the right loan?
Compare the options here, then apply when you know which path fits best.