Frequently asked questions.

We’re a private real estate lender founded by investors, for investors. We provide non-conventional financing — DSCR, Acquisition & Rehab, and Ground Up Construction — with the speed of a boutique firm and nationwide reach.

Three core products: DSCR rental loans, Acquisition & Rehab loans, and Ground Up Construction loans. You can explore each on our loan products.

Across 47 states. We regularly work with out-of-state investors buying in new markets.

Yes — we work with investors at every level. Our premier terms are reserved for seasoned investors with a track record, and newer investors may see different terms. We’ll walk you through exactly what to expect.

Minimum credit requirements vary by product — generally a 660 FICO for DSCR and a 620 FICO for Ground Up Construction. If you fall below the minimum, partnering with someone who has stronger credit and real estate experience is a solid path, then reapply.

We don’t lend based on your personal income. For our 30-year DSCR loans, we use a DSCR calculation — the property’s rent minus the payment, taxes, and insurance. For Acquisition & Rehab and Ground Up Construction, we use a 6-month payment liquidity reserve requirement instead.

Absolutely. We finance for out-of-state investors regularly and lend across 47 states.

Make sure your contractor is properly licensed, insured, and pulling permits where required. As long as that’s in place, it won’t affect your loan.

No problem — we regularly work with owner-operators. You don’t need to be a licensed contractor to do the work yourself.

Long-term rental financing that qualifies on the property’s cash flow instead of your personal income. Our DSCR loans are 30-year fixed-rate, with an optional 10-year interest-only period. Learn more →

Short-term financing to buy and renovate, then sell or hold — up to 100% LTC and 75% of ARV, terms up to 24 months, with rates from 8.5% for seasoned investors. Learn more →

Short-term financing to build new residential projects from the ground up, with funds released in flexible draws tied to construction milestones. Up to 90% LTC, with rates from 8.5% for experienced builders. Learn more →

As quickly as 15 minutes.

Typically 15–30 days from application to closing.

Five steps: a consultation call, your application, an appraisal, underwriting, and closing. Your loan officer keeps you informed at every stage.