4 Programs. Every Strategy Covered.
Loan Programs for Every Investment Strategy
Whether you are flipping houses, building a rental portfolio, bridging to permanent financing, or constructing new builds — we have a program designed for your deal.
Fix & Flip
Purchase and rehab investment properties with speed and certainty. Our fix and flip loans provide up to 90% of the purchase price and 100% of rehab costs, with closings in as few as 10 business days.
Rates From
9.5% - 12.5%
Max LTV
Up to 90% LTV
Term
12 - 18 months
Loan Range
$75K - $3M
DSCR Rental
Finance rental properties based on the property's rental income rather than borrower income. DSCR loans are the preferred financing tool for buy-and-hold investors building long-term wealth through real estate.
Rates From
7.0% - 9.5%
Max LTV
Up to 80% LTV
Term
30-year fixed or ARM
Loan Range
$75K - $2M
Bridge
Move fast on time-sensitive acquisitions with short-term bridge financing. Close in days, not months, and refinance or sell when the time is right.
Rates From
9.0% - 12.0%
Max LTV
Up to 80% LTV
Term
6 - 24 months
Loan Range
$100K - $5M
Construction
Build from the ground up with construction loans designed for experienced developers and builders. Finance land acquisition, vertical construction, and everything in between.
Rates From
10.0% - 13.0%
Max LTV
Up to 85% LTC
Term
12 - 24 months
Loan Range
$150K - $5M
Side-by-Side Comparison
Compare all four loan programs to find the best fit for your investment strategy.
| Feature | Fix & Flip | DSCR Rental | Bridge | Construction |
|---|---|---|---|---|
| Rate Range | 9.5% - 12.5% | 7.0% - 9.5% | 9.0% - 12.0% | 10.0% - 13.0% |
| Max LTV | Up to 90% LTV | Up to 80% LTV | Up to 80% LTV | Up to 85% LTC |
| Loan 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 |
| Min Credit Score | 620+ | 660+ | 650+ | 660+ |
| Credit Pull at Application | Soft only | Soft only | Soft only | Soft only |
| Entity Required | Yes (LLC) | Yes (LLC) | Yes (LLC) | Yes (LLC) |
| Check Rate | Check Rate | Check Rate | Check Rate |
Fix & Flip
DSCR Rental
Bridge
Construction
Frequently Asked Questions
Choosing the right loan program for your deal.
Which loan program is right for my deal?
The best program depends on your investment strategy. If you are purchasing a property to renovate and sell, a Fix & Flip loan is ideal. If you are buying a rental property, a DSCR loan qualifies based on the property's cash flow. Bridge loans are for time-sensitive acquisitions that need fast capital. Construction loans are for ground-up builds. If you are not sure, start with our pre-qualification form and we will recommend the right program.
Can I use multiple programs for different properties?
Absolutely. Many of our borrowers use Fix & Flip loans for renovation projects and DSCR loans for their rental portfolio. There is no limit to the number of loans you can have across different programs, and having a successful track record with us improves your rates and terms over time.
How fast can I get funded?
Closing timelines vary by program. Fix & Flip and Bridge loans can close in as few as 7-14 business days. DSCR Rental loans typically close in 21-30 days. Construction loans take 14-21 days due to additional documentation requirements. All timelines assume a complete application and clean title.
Will applying affect my credit score?
No. Pre-qualification involves no credit pull at all — we ask for a self-reported credit range. The full application uses a soft credit pull only, which does not affect your credit score. A hard credit inquiry only happens closer to closing, and we will let you know before it does.
What is the minimum credit score to qualify?
Minimum credit scores vary by program: Fix & Flip (620+), DSCR Rental (660+), Bridge (650+), and Construction (660+). Borrowers with higher credit scores receive better rates and higher leverage. We recommend getting pre-qualified to see exactly what you qualify for.
Not Sure Which Program?
Get pre-qualified in 60 seconds and we will recommend the best loan program for your deal. No commitment, no hard credit pull.