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Loan programs for every stage of the project.

Purpose-built capital for real-estate operators — from a single fix-and-flip to a 450+ unit ground-up community.

Business-purpose loans only · No owner-occupied consumer mortgages

Fix & Flip

Purchase plus rehab financing for single-family and small multifamily flips. We work with experienced operators who need real leverage, fast certainty, and capital that scales with the pipeline.

From a first flip to a 30-house annual run rate, the structure is the same: aggressive LTC, full rehab holdback, controlled draws, and the speed to win competitive deals.

  • Up to 85–90% LTC
  • SFR, 2–4 unit, condo, townhome
  • No prior project minimum for strong sponsors
  • Lines of credit available for high-volume operators

Typical Parameters

Loan size
$1M – $15M
Max LTC
85–90%
Max ARV
75%
Term
6 – 24 mo
Close
5 – 14 days

Ground-Up Construction

Senior construction debt for single homes, infill projects, and small builder pipelines. Phased draws, builder-friendly inspection cycles, and lenders who actually understand vertical construction in Arizona, Nevada, California, Utah, and beyond.

We finance custom builders, spec builders, and infill developers — and structure capital around the way you actually build, not the way a bank wishes you did.

  • Single-asset and multi-asset construction lines
  • Custom, spec, and build-to-rent product
  • Lot finance + vertical construction combined
  • Mid-construction takeouts available

Typical Parameters

Loan size
$1M – $25M
Max LTC
85%
Max LTV
70%
Term
12 – 24 mo
Close
14 – 30 days

DSCR / Rental

Long-term rental financing underwritten on the property's cash flow — not your tax returns. Single asset to portfolio. 30-year fixed, ARM, and interest-only options for stabilized SFR and small multifamily.

STR and mid-term rental income accepted with the right documentation. Portfolio loans available for 5+ properties on a single closing.

  • 30-year fixed, 5/1, 7/1 ARM, interest-only
  • STR, mid-term, and long-term rental
  • SFR, 2–4 unit, small multifamily
  • Portfolio loans (5+ doors) on one close

Typical Parameters

Loan size
$1M – $15M
Max LTV
80% purchase
Min DSCR
1.20
Term
5 / 7 / 30 yr
Close
21 – 30 days

Bridge

Short-term capital for acquisitions, cash-out, value-add, and pre-stabilization deals. When timing is the variable that matters, we structure capital that closes fast and gives you room to execute.

Bridge debt for SFR, multifamily, mixed-use, and small-balance commercial — at speeds traditional lenders simply cannot match.

  • Acquisition, refi, cash-out, value-add
  • SFR, multifamily, mixed-use, commercial
  • Interest-only with flexible exits
  • Bridge-to-bridge and bridge-to-perm available

Typical Parameters

Loan size
$1M – $20M
Max LTV
75%
Term
6 – 24 mo
Close
5 – 21 days
Exit
Sale, refi, perm

Commercial

Multifamily, mixed-use, and small-balance commercial — bridge, perm, and value-add capital through bank, agency, debt fund, and private channels. The right capital structure for the operating plan, not just the asset.

We work with operators on stabilized acquisitions, value-add business plans, and ground-up multifamily — and bring agency, bank, and non-bank capital to the table.

  • Multifamily 5+ units, mixed-use, small CRE
  • Agency, bank, debt fund, and private capital
  • Bridge-to-perm, value-add, and stabilized refi
  • Permanent debt up to 10-year fixed

Typical Parameters

Loan size
$5M – $200M+
Asset type
MF · Industrial · Retail · Hotel · Data Center
Max LTV
70 – 80%
Term
2 – 10 yr
Close
35 – 90 days

Not sure which program fits the deal?

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