Rates and terms for every stage of your deal.
Direct private capital for acquisition, rehab, ground-up construction, and long-term holds. Rates and terms vary by deal, market, and borrower experience, and are only confirmed after underwriting — contact a loan officer for current rates and to confirm we're licensed to lend in your state.
Bridge & Fix/Flip
Contact for rates
Fast capital to acquire, renovate, and reposition a property.
Up to 90% of purchase price
Up to 100% of rehab costs
Up to 75% of ARV
Terms from 6–18 months
Close in as few as 7 days
Interest-only payments
No prepayment penalty
Ground-Up Construction
Contact for rates
Capital for builders and developers, from land to lockup.
Up to 85% of total project cost
Up to 70% of land value
Draw schedule tied to project milestones
Terms up to 18 months, extensions available
Land and horizontal development eligible
Dedicated draw coordinator
DSCR Rental
Contact for rates
Long-term financing for buy-and-hold investors.
30-year fixed and ARM options
Qualify on property cash flow, not personal income
Up to 80% LTV
Single-family, 2–4 unit, and portfolio loans
Entity (LLC) borrowers eligible
Prepayment penalty buy-down options
| Compare features | Bridge & Fix/Flip | Ground-Up Construction | DSCR Rental |
|---|---|---|---|
| Loan Terms | |||
| Max leverage | Up to 90% LTC | Up to 85% LTC | Up to 80% LTV |
| Term length | 6–18 months | Up to 18 months | 30-year fixed / ARM |
| Payment structure | Interest-only | Interest-only | Fully amortizing |
| Underwriting | |||
| No personal income verification | |||
| Entity (LLC/corp) borrowers eligible | |||
| Minimum credit score | 620+ | 660+ | 640+ |
| Funding & Draws | |||
| Milestone-based draw schedule | |||
| Typical closing timeline | 7–10 days | 10–14 days | 14–21 days |
| Rate lock at application | |||
| Support | |||
| Dedicated loan officer | |||
| In-house underwriting & servicing | |||
| Repeat borrower pricing | |||
| Loan Terms | |
|---|---|
| Max leverage | Up to 90% LTC |
| Term length | 6–18 months |
| Payment structure | Interest-only |
| Underwriting | |
| No personal income verification | |
| Entity (LLC/corp) borrowers eligible | |
| Minimum credit score | 620+ |
| Funding & Draws | |
| Milestone-based draw schedule | |
| Typical closing timeline | 7–10 days |
| Rate lock at application | |
| Support | |
| Dedicated loan officer | |
| In-house underwriting & servicing | |
| Repeat borrower pricing | |
| Loan Terms | |
|---|---|
| Max leverage | Up to 85% LTC |
| Term length | Up to 18 months |
| Payment structure | Interest-only |
| Underwriting | |
| No personal income verification | |
| Entity (LLC/corp) borrowers eligible | |
| Minimum credit score | 660+ |
| Funding & Draws | |
| Milestone-based draw schedule | |
| Typical closing timeline | 10–14 days |
| Rate lock at application | |
| Support | |
| Dedicated loan officer | |
| In-house underwriting & servicing | |
| Repeat borrower pricing | |
| Loan Terms | |
|---|---|
| Max leverage | Up to 80% LTV |
| Term length | 30-year fixed / ARM |
| Payment structure | Fully amortizing |
| Underwriting | |
| No personal income verification | |
| Entity (LLC/corp) borrowers eligible | |
| Minimum credit score | 640+ |
| Funding & Draws | |
| Milestone-based draw schedule | |
| Typical closing timeline | 14–21 days |
| Rate lock at application | |
| Support | |
| Dedicated loan officer | |
| In-house underwriting & servicing | |
| Repeat borrower pricing | |
We locked our DSCR refinance rate at application and it never moved, even though our construction loan payoff took longer than planned. That certainty was worth a lot.
James Okafor
DSCR Rental Investor, Nashville TN
Questions & Answers
Ready to see your rate?
Send us the deal and your timeline — a loan officer will follow up with terms, usually within a day.