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Loan Programs

Real estate financing for investors, builders, and developers.

Compare Fix & Flip, Ground-Up Construction, Small-Balance Multifamily & Mixed-Use Construction, DSCR Rental, Bridge Lending, and Commercial Real Estate financing. Review the published terms for each program below.

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The figures shown are program maximums—not quotes. Every request remains subject to the property, sponsor, structure, and underwriting.

Program Overview

Six real-estate loan programs

Select the loan program that matches the transaction. Complete terms and qualification details follow.

Fix & FlipShort-duration acquisition and renovation capital for residential investment projects. Ground-Up ConstructionConstruction financing for qualified residential development, with larger requests routed through the commercial desk. Small-Balance Multifamily & Mixed-Use ConstructionGround-up and adaptive-reuse capital for compact multifamily, townhome, and mixed-use development. DSCR RentalLong-term rental financing evaluated primarily through the property’s cash flow. Bridge LendingShort-term financing for acquisition, lease-up, repositioning, or the period before permanent debt. Commercial Real EstateCapital for larger multifamily, commercial assets, and development transactions above the residential range.

Program Details

Terms and qualification by loan program

Nothing is hidden behind a sales call. Review the full published range, then send the actual scenario for a preliminary read.

Fix & Flip Loan

Fix & Flip

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Finance the acquisition and improvement plan together, then exit through a sale or permanent refinance. Residential investment requests are considered up to $5 million, subject to the property, scope, borrower profile, and underwriting.

Loan Amount
Up to $5M
Term
12–24 months
LTC
Up to 95%
ARV / LTV
Up to 75%
Experience
All levels considered
Submit This Scenario →Program Guide

Construction Loan

Ground-Up Construction

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A construction structure built from land value, vertical budget, completed value, sponsor liquidity, and the team responsible for delivery. Residential requests run to $5 million; larger qualified developments move through the commercial platform, including transactions above $100 million.

Loan Amount
Up to $5M (residential)
Term
12–24 months, extension options available
LTC
Up to 95%
Completed Value
Up to 75% of appraised ARV
Experience
Not required when paired with a qualified GC or guarantor
Credit
680 minimum
Draws
Virtual, typically 24–48 hours

LTC is the lesser of 70% of appraised land value plus 100% of construction budget, or 95% of total project cost.

First build? See how sponsor pairing works

Submit This Scenario →Program Guide

DSCR Loan

DSCR Rental

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Permanent debt for rental property where qualification centers on rent and property expenses rather than personal income documentation. Residential investment requests are considered up to $5 million, subject to program guidelines and underwriting.

Loan Amount
Up to $5M
Term
30-year fixed / ARM
LTV
Up to 80%
DSCR
No-ratio options from 0.75x
Property Types
SFR, 2–4 unit
Submit This Scenario →Program Guide

Bridge Loan

Bridge Lending

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Carry an asset through the period when permanent financing does not yet fit: acquisition, renovation, lease-up, seasoning, or stabilization. Residential investment requests are considered up to $5 million, with the exit tested as part of underwriting.

Loan Amount
Up to $5M
Term
6–24 months
LTV
Up to 75%
Min DSCR
1.0x–1.2x
Exit Strategy
Refinance or sale
Submit This Scenario →Program Guide

Commercial Real Estate Loan

Commercial Real Estate

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Financing for multifamily and commercial acquisitions, refinances, construction, and development above $5 million. Qualified commercial projects may be evaluated at sizes exceeding $100 million.

Loan Amount
Above $5M–$100MM+
Term
5–30 years
LTV
Up to 80%
Min DSCR
1.20x
Asset Classes
5+ units, office, retail, industrial
Submit This Scenario →Program Guide

Baseline Qualification

Requirements that apply across loan programs

These are the published baseline conditions across the real-estate platform. Individual programs and capital sources may apply additional requirements.

Minimum credit score
680
Property use
Business-purpose, non-owner-occupied only

Underwriting Lens

  • Asset type, market, condition, basis, and proposed completed value
  • Business plan, scope, budget, schedule, and delivery team
  • Sponsor credit, comparable experience, liquidity, and alignment
  • Requested leverage, cash invested, reserves, and existing debt
  • Sale or refinance exit, including the timing and assumptions behind it

Submission Checklist

Give the first review enough to work with

A complete package does not guarantee approval, but it makes the first answer faster and more useful.

  • Property address, type, and current condition
  • Purchase price or current basis
  • Renovation or construction budget, preferably line-item
  • Requested amount and target leverage
  • Comparable projects completed by the sponsor and build team
  • Liquidity available for equity, carry, contingency, and reserves
  • Planned sale or refinance exit and target timing

Residential investment requests are available up to $5 million. Commercial real estate and development financing is available above $5 million, including qualified projects exceeding $100 million.

Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.

Bring Us the Scenario

The program is only the starting point

Send the property, budget, sponsor profile, requested structure, and exit. We will evaluate the complete file and identify the appropriate loan program and structure.

Submit a Deal → Book a Call

Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.