“Closed in 11 days on a duplex in Cleveland. The pre-qual gave me confidence to bid above asking and still hit my numbers.”
M
Marcus R.
Cleveland, OH · Fix & Flip
Private lending for real estate investors
Lending, Rebuilt for
How You Actually Invest
Pre-qualify in 60 seconds. Apply in minutes. Close with confidence.
No hard credit pullPre-qual in 60 secondsClose in days, not months
$100M+†Lending capacity
$5MMax loan size
90% / 100%LTC + rehab
0-secPre-qualification
Loan Programs Built for Investors
From your first flip to your 50th rental. Matched to your strategy.
Loan Cost Calculator
Estimate Your Loan Costs
Adjust the numbers and see your estimated payments update instantly. No signup required.
$
9.50%
7%20%
Interest-only payments
1.50pts
0.5 pts4 pts
Estimated Monthly Payment
$1,979.17Interest-only / month
Total Interest
Origination Points
1.50 points
Estimated Loan Cost*
Interest + origination points
* Reflects interest and origination points only. Additional closing costs — appraisal, legal, processing, underwriting — apply at closing and vary by program. Actual rates and terms depend on your deal, credit profile, and property details.
Credit-friendly by design
Check your rate without touching your credit score.
Pre-qualification is an instant estimate — no credit pull, no impact. The full application uses a soft pull only, so your score still doesn't move.
Pre-qualification
No credit pull
60-second instant estimate. Zero impact to your score.
Full application
Soft pull only
Soft inquiries don't affect your credit. Apply with confidence.
We never share your information with third parties.
Sample term sheet
Your real numbers, in 60 seconds.
Pre-qualify to swap this sample for a real term sheet on your deal. No credit pull, no documents, no waiting.
Built for real estate investors
Capital structured around your deal, not the other way around.
AIRE structures, underwrites, and funds investor real estate deals. Entity borrowers only. The faster your file is ready, the faster we close.
Closing speed depends on file completeness and borrower readiness. See the readiness checklist.
How it works
From deal to funded. One clear path.
No marketplaces, no hand-offs, no surprises. You work with AIRE from pre-qual through closing.
Step 1
Pre-qualification
See if you qualify and get the leverage you need to bid on properties with confidence. Takes 60 seconds, no credit pull.
Step 2
Full application
Once your property is under contract, apply with confidence. Get your required docs ready upfront so we can close as fast as possible.
Step 3
Deal review & underwriting
We review your deal end-to-end. Underwriting runs in parallel with appraisal, title, and insurance.
Step 4
Close & fund
Most deals close in 10 to 14 business days when the file is clean. Some structures fund even faster.
Real borrowers, real deals
What our borrowers say.
“I was bidding against three cash offers. AIRE got my proof of funds and pre-qual to my agent within 2 hours. Won the deal.”
P
Priya S.
Dallas, TX · DSCR Rental
“Third deal with AIRE this year. They actually move at investor speed instead of bank speed.”
J
James T.
Indianapolis, IN · Bridge
“The rate calculator showed me exactly what to expect. No surprises at closing.”
D
Daniel K.
Las Vegas, NV · Fix & Flip
“I'm a first-time flipper. The readiness checklist made me feel like I knew what I was doing. We closed on time.”
T
Tasha B.
Atlanta, GA · Fix & Flip
“Refinanced four rentals into a single portfolio loan. The whole flow felt designed for someone with a portfolio, not a single house.”
E
Eric L.
Pittsburgh, PA · DSCR Rental
“Construction draw process is the cleanest I've used. Inspector report in, funds out the same week.”
M
Maya O.
Nashville, TN · Construction
“Needed a 14-day close on a wholesale assignment. They actually pulled it off.”
R
Robert C.
Tampa, FL · Bridge
“Closed in 11 days on a duplex in Cleveland. The pre-qual gave me confidence to bid above asking and still hit my numbers.”
M
Marcus R.
Cleveland, OH · Fix & Flip
“I was bidding against three cash offers. AIRE got my proof of funds and pre-qual to my agent within 2 hours. Won the deal.”
P
Priya S.
Dallas, TX · DSCR Rental
“Third deal with AIRE this year. They actually move at investor speed instead of bank speed.”
J
James T.
Indianapolis, IN · Bridge
“The rate calculator showed me exactly what to expect. No surprises at closing.”
D
Daniel K.
Las Vegas, NV · Fix & Flip
“I'm a first-time flipper. The readiness checklist made me feel like I knew what I was doing. We closed on time.”
T
Tasha B.
Atlanta, GA · Fix & Flip
“Refinanced four rentals into a single portfolio loan. The whole flow felt designed for someone with a portfolio, not a single house.”
E
Eric L.
Pittsburgh, PA · DSCR Rental
“Construction draw process is the cleanest I've used. Inspector report in, funds out the same week.”
M
Maya O.
Nashville, TN · Construction
“Needed a 14-day close on a wholesale assignment. They actually pulled it off.”
R
Robert C.
Tampa, FL · Bridge
Frequently Asked Questions
Everything you need to know about our lending process, programs, and terms.
Ready to Fund Your Next Deal?
Get pre-qualified in 60 seconds. Close in days, not months. No hard credit pull.
Most deals close in 10 to 14 business days when your file is clean. See the readiness checklist →