Loan Programs
Private financing options for acquisitions, renovations, construction projects, rental properties, and multifamily investments.
Financing for Every Stage of the Investment
Explore private and correspondent financing options for acquisitions, renovations, construction projects, rental properties and multifamily investments.
Financing for Different Investment Strategies
Choose the program that most closely matches the property’s current condition and your intended investment strategy.
Fix & Flip Financing
Short-term financing for acquiring, refinancing or renovating residential investment properties with a defined resale or refinance strategy.
- Purchase and eligible renovation costs
- Leverage reviewed against after-repair value
- New and experienced investors may qualify
- Controlled renovation draw process
Bridge Loan Financing
Short-term financing for qualifying investment properties when acquisition speed, refinancing, cash-out or additional time is needed.
- Purchase, refinance and eligible cash-out
- Based primarily on current property value
- Defined sale or refinance exit strategy
- Interest-only structures may be available
Ground-Up Construction
Financing consideration for non-owner-occupied residential construction projects from eligible land acquisition through completion.
- Land acquisition may be considered
- Eligible construction costs funded through draws
- Experience affects leverage and eligibility
- Mid-construction projects may be reviewed
DSCR Rental Financing
Long-term financing for qualifying rental properties based primarily on property cash flow rather than traditional personal employment income.
- Purchase and refinance options
- Eligible cash-out transactions
- Fixed and adjustable structures
- Interest-only options may be available
Multifamily Financing
Short-term, long-term, renovation and selected construction financing options for qualifying multifamily investment properties.
- Stabilized and value-add properties
- Purchase, refinance and eligible cash-out
- Property income and expenses reviewed
- Selected mixed-use properties may qualify
Not Sure Which Program Fits?
Submit the property, financing request, borrower profile and investment strategy. We can review the complete scenario before determining which available program may be appropriate.
Start With Your Investment Strategy
This comparison can help identify the most likely starting point. Final program selection depends on the complete transaction.
| Program | Common Purpose | Primary Value Basis | Typical Exit or Strategy |
|---|---|---|---|
| Fix & Flip | Acquire or refinance and renovate | Purchase, project cost and after-repair value | Sell or refinance after completion |
| Bridge | Acquire, refinance or access eligible equity | Current as-is property value | Sell or refinance into permanent financing |
| Construction | Build a new investment property | Total project cost and completed value | Sell, rent or refinance after completion |
| DSCR Rental | Purchase or refinance a rental property | As-is value and qualifying rental income | Long-term rental hold |
| Multifamily | Acquire, stabilize, improve or hold 5+ units | Value, income, expenses and business plan | Sell, stabilize or hold long term |
This table is general guidance only. Available structures, eligibility and terms vary by lending partner and transaction.
One Property May Have More Than One Financing Path
Program selection is not always obvious. A rental property may first require bridge or renovation financing before qualifying for a long-term DSCR loan.
A construction project may be completed for resale or transitioned into rental financing. A multifamily property may need short-term stabilization before moving into a long-term structure.
Current Property Condition
Stabilized, distressed, under renovation or under construction.
Financing Purpose
Purchase, refinance, cash-out, renovation or construction.
Available Property Income
Current rent, market rent, occupancy, expenses and operating history.
Investment Strategy
Sell, stabilize, refinance, build or hold as a rental.
Borrower Profile
Credit, experience, liquidity, entity and completed projects.
A Clear Path From Scenario to Closing
Start with the essential property and financing details. Additional documentation can be collected as the transaction progresses.
Submit the Deal
Provide the property, requested financing, borrower profile, timing and investment strategy.
Review Potential Programs
We compare the scenario against available structures and identify questions or additional documentation.
Complete Due Diligence
The originating lender completes valuation, underwriting, title, documentation and final approval.
Loan Program FAQs
Helpful information before choosing a program or submitting a financing scenario.
How do I know which loan program to select?
Choose the program that most closely matches the property’s current condition and your intended strategy. If you are uncertain, select “Not Sure” on the Submit a Deal form and describe the complete transaction.
Can I submit a deal that does not fit the published guidelines?
Yes. Published guidelines provide a general starting point, but available programs can change and each transaction is reviewed individually. Submission does not guarantee financing.
Are these programs available for primary residences?
No. These are business-purpose financing programs intended for qualifying non-owner-occupied investment properties and real estate projects.
Can new real estate investors qualify?
New investors may qualify under selected programs. Experience can affect leverage, pricing, liquidity requirements, eligible project scope and overall approval.
Can brokers submit financing scenarios?
Yes. The Submit a Deal form allows brokers and loan originators to identify their role and provide the borrower, brokerage and transaction information needed for a preliminary review.
Does submitting a scenario create a commitment to lend?
No. A scenario submission is only a request for preliminary review. All financing is subject to property and borrower eligibility, due diligence, underwriting and final approval by the originating lender.
Ready to Discuss a Property or Project?
Submit the financing request, property details, borrower profile and investment strategy for a preliminary program review.