Private Money for Real Estate Investors Who Execute

Asset-based financing for fix-and-flip, rental acquisition, and value-add deals. $100K–$400K. No W-2 required. Decisions based on your deal, not your tax returns.

  • Funding decisions in 48–72 hours
  • Single-unit residential properties nationwide
  • Underwritten on asset quality and exit strategy
  • Direct access to institutional and private capital

Submit Your Deal

Serious inquiries only. Complete information accelerates review.

By submitting, you confirm this is a non-owner-occupied investment property and consent to be contacted regarding your financing inquiry. All loans subject to lender underwriting and approval.

48–72h

Typical Decision Time

$100K–$400K

Loan Range

50 States

Nationwide Coverage

Asset-Based

No W-2 Required

How It Works

Straightforward process designed for investors who know their numbers

1

Submit Your Deal

Provide property details, purchase price, ARV, rehab scope, and exit strategy. The more complete your submission, the faster we move.

2

Scenario Review

We evaluate asset quality, deal structure, and borrower experience. You'll receive feedback within 48–72 hours on viability and lender fit.

3

Lender Match & Close

Qualified deals are matched with appropriate capital sources. Lender conducts underwriting, orders appraisal, and structures terms. You close and execute.

Deal Types We Finance

Single-unit residential investment properties across the United States

🔨

Fix-and-Flip

Purchase and rehab financing for distressed properties with clear value-add potential and defined exit timeline.

  • Loan-to-Cost: Up to 90%
  • Term: 6–12 months
  • Rehab Draws: Available
🏠

Rental Acquisition

Purchase financing for turnkey or light-rehab properties intended for long-term rental income generation.

  • Loan-to-Value: Up to 80%
  • Term: 12–24 months
  • Exit: Refi or sale
📈

Value-Add / Refinance

Cash-out refinance on stabilized rentals or bridge financing for properties requiring repositioning before permanent financing.

  • Loan-to-Value: Up to 75%
  • Term: 12–24 months
  • Seasoning: Varies by lender

Who We Work With

Clear criteria to ensure mutual fit and efficient capital deployment

Ideal Borrower Profile

  • Active real estate investor with completed deals or verifiable experience
  • Clear acquisition strategy and realistic exit plan
  • Property meets lender guidelines (condition, location, marketability)
  • Sufficient liquidity to cover down payment and reserves
  • Responsive communication and complete documentation
  • Non-owner-occupied investment property only

Not a Fit For

  • Owner-occupied properties or primary residences
  • Consumer loans or personal credit repair scenarios
  • Multi-family properties (2+ units)
  • Commercial or mixed-use properties
  • Borrowers seeking 100% financing with no skin in the game
  • Incomplete deal information or unrealistic expectations

Frequently Asked Questions

What credit score do I need? +
Most lenders require a minimum credit score of 620–650, though some programs accommodate lower scores with compensating factors such as significant experience, larger down payments, or stronger asset quality. Credit is evaluated alongside the overall deal structure.
Do you verify income or require tax returns? +
No. These are asset-based loans underwritten on property value, deal structure, and borrower experience—not W-2 income or traditional debt-to-income ratios. Lenders focus on the investment's viability and your ability to execute.
How much do I need for a down payment? +
Typical down payments range from 10–25% depending on deal type, borrower experience, and property condition. Fix-and-flip deals often require less down than rental acquisitions. Lenders also require reserves to cover interest, taxes, insurance, and contingencies.
What are typical interest rates and fees? +
Rates typically range from 9–14% depending on loan-to-value, borrower experience, property type, and term length. Origination fees generally range from 2–4 points. Specific pricing is determined during underwriting based on deal-specific risk factors.
Can I finance my first investment property? +
Yes, though first-time investors typically face higher down payment requirements and more conservative loan-to-value ratios. Strong deals with clear exit strategies and adequate reserves can still qualify. Demonstrable real estate knowledge or relevant professional experience strengthens your position.
How long does the process take? +
Initial scenario review takes 48–72 hours. Once matched with a lender, underwriting and closing typically take 2–3 weeks depending on appraisal turnaround, title work, and documentation completeness. Rush closings are possible for time-sensitive deals with premium pricing.
Do you lend in my state? +
We work with lenders licensed in all 50 states where private lending is permitted. Certain states have additional regulatory requirements that may affect terms or timelines. State-specific details are addressed during scenario review.
What documentation will I need? +
Typical requirements include: purchase contract or property details, scope of work and rehab budget (if applicable), proof of funds for down payment and reserves, photo ID, entity documents (if applicable), and recent bank statements. Lenders may request additional items during underwriting.

Ready to Fund Your Next Deal?

Submit your scenario and get a decision within 48–72 hours

Get Started Now