Loan programs
Loan programs for everyinvestment strategy.
Flipping, holding rentals, bridging to permanent financing or building from the ground up — one of four programs is designed for your deal.
Four programs
Start with the financingthat fits your plan.
Four programs, one lender. Pick the one that matches your plan for the property, or compare them side by side below.
Fix & flip
Short-term financing to purchase, renovate, and sell residential properties for profit.
- Rate
- 9.5% - 12.5%
- Leverage
- Up to 90% LTV
- Term
- 12 - 18 months
- Loan amount
- $75K - $3M
DSCR rental
Long-term financing for rental properties based on property cash flow, not personal income.
- Rate
- 7.0% - 9.5%
- Leverage
- Up to 80% LTV
- Term
- 30-year fixed or ARM
- Loan amount
- $75K - $2M
Bridge
Short-term capital to bridge the gap between acquisition and long-term financing or sale.
- Rate
- 9.0% - 12.0%
- Leverage
- Up to 80% LTV
- Term
- 6 - 24 months
- Loan amount
- $100K - $5M
Construction
Ground-up construction financing for new residential builds and major renovation projects.
- Rate
- 10.0% - 13.0%
- Leverage
- Up to 85% LTC
- Term
- 12 - 24 months
- Loan amount
- $150K - $5M
Side by side
Compare the four programsat a glance.
| Program | Fix & flip | DSCR rental | Bridge | Construction |
|---|---|---|---|---|
| Rate range | 9.5% - 12.5% | 7.0% - 9.5% | 9.0% - 12.0% | 10.0% - 13.0% |
| Leverage | Up to 90% LTV | Up to 80% LTV | Up to 80% LTV | Up to 85% LTC |
| Term | 12 - 18 months | 30-year fixed or ARM | 6 - 24 months | 12 - 24 months |
| Loan amount | $75K - $3M | $75K - $2M | $100K - $5M | $150K - $5M |
| Minimum credit score | 620+ | 660+ | 650+ | 660+ |
| Entity borrower | Required | Required | Required | Required |
| Details | Details | Details | Details |
Illustrative program ranges, not a current rate quote or offer. Availability and final terms depend on the property, state and underwriting.
Questions, answered
Choosing the rightprogram for your deal.
Which loan program is right for my deal?
It depends on your plan for the property. Purchasing to renovate and sell points to fix & flip. Buying or refinancing a rental points to DSCR, which qualifies on the property's cash flow. Bridge covers time-sensitive acquisitions, and construction covers ground-up builds. If you are not sure, start pre-qualification and we will suggest the program that fits.
Can I use more than one program?
Yes. Many investors use fix & flip financing for renovation projects and DSCR financing for the rentals they keep. Each loan is reviewed on its own, so you can hold loans across programs at the same time.
Will pre-qualifying affect my credit score?
No. Pre-qualification uses a self-reported credit range and does not pull your credit. The full application uses a soft pull only. Any hard inquiry required before closing will be explained before it happens.
What is the minimum credit score to qualify?
Minimums vary by program: fix & flip 620+, DSCR rental 660+, bridge 650+ and construction 660+. Higher scores generally support better pricing and leverage. Pre-qualification shows what the details of your deal may support.