程序概览
四种贷款计划。标题条款一目了然.
从与您的物业、时间表和退出策略相匹配的贷款开始。DSCR 适用于长期租赁持有，Fix & Flip 适用于翻新和转售，Bridge 适用于过渡情况，Construction 适用于从零开始的项目。
DSCR
当物业现金流支持贷款时，用于购买或再融资的长期租赁融资.
- $100,000 - $20,000,000 贷款金额
- 最高可达 80% LTV 的合格贷款
- 为房东、短期租赁业主和投资组合借款人而建
修复与翻转
短期资本用于收购、翻新并退出住宅项目，条款提前可见.
- $200,000 - $10,000,000+ 贷款金额
- 最高可达 90% LTC 以及最高可达 75% ARV
- 翻新融资最高可达 100%，适用于符合条件的文件
过桥贷款
为仍处于过渡期的物业和计划提供短期桥接融资，直至永久债务.
- 为租赁、重新定位和定制桥接融资而设计
- 商业桥接条款可从 SOFR 加 3% 开始
- 专注于过渡物业，而非翻修再售执行
建设
面向住宅建筑商和开发商的从零开始融资，同时考虑精选商业项目.
- $500,000 - $50,000,000+ 贷款金额
- 75-90% LTC，12-36 个月期限
- 住宅预制、分区和多户住宅优先
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