The approval process for individual borrowers is streamlined and efficient, typically taking just a few business days. From the moment you start your application to the point where your loan is funded, it can take as little as a week for straightforward projects. For more complex endeavors, the timeline may extend to a couple of weeks. This rapid turnaround allows you to seize opportunities without unnecessary delays, ensuring you can move forward with your real estate investments promptly.

To qualify, we typically look for a credit score of 680 or higher. Additionally, it's essential that there have been no mortgage late payments in the past 12 months, ensuring a strong history of timely payments.

When it comes to rental loans, you’ll be pleased to know that prior experience is not a requirement, making it accessible for new investors. On the other hand, bridge loans do consider your experience level, which affects the leverage available to you. For first-time flippers, a credit score of 700 or higher is needed to ensure a strong application. However, for borrowers with varying levels of experience, a credit score of 680 or above is typically acceptable, providing a flexible path for those looking to venture into real estate flipping.

For DSCR (Debt Service Coverage Ratio) rental purchases, you can finance up to 80% of the purchase price, provided you have qualifying credit—specifically, a score of 720 or higher along with a strong cash flow. If you’re looking into cash-out refinances, you can access up to 75% of your property's value with a qualifying credit score of 700. This structure offers significant opportunities for investors to leverage their properties effectively while maintaining solid financial qualifications.

We offer financing for single-family units up to four-unit properties, as well as five to eight-unit properties upon further review. However, please note that we currently do not provide financing for mobile homes, manufactured homes, or commercial buildings. This focus allows us to concentrate on residential investment opportunities while maintaining clear lending guidelines.

For property flips, you can secure financing with as little as 10% down, making it an attractive option for investors looking to maximize their capital. On the other hand, for DSCR (Debt Service Coverage Ratio) loans, a minimum down payment of 20% is required. This structure helps balance risk while still offering flexible financing solutions tailored to different investment strategies. Whether you're flipping or building a rental portfolio, there are accessible pathways to funding your real estate ambitions.

Our minimum loan amount is set at $100,000, and the minimum property value required is $75,000. This structure ensures that we focus on viable investment opportunities while providing adequate funding for your projects.

We offer an innovative "delayed purchase" product specifically designed for homes purchased in cash. This allows you to recapitalize the asset up to 80% for DSCR financing or even 90% if you qualify for a flip. This option is available between the closing of the cash transaction and the third month afterward, providing flexibility and quick access to funds. However, for cash-out refinances, please note that a seasoning period of six months is required before you can utilize the new value of the property. This approach enables you to maximize your investment potential while adhering to necessary guidelines.

In our rate/term or cash-out scenarios, we allow for financing of up to 75% of the After Repair Value (ARV) after a six-month seasoning period. This means you have the flexibility to leverage a significant portion of your property's value, but you're not required to take the full amount if your payoff or financial needs suggest a smaller leverage. This balanced approach ensures you can access funds responsibly while tailoring your financing to fit your specific situation.