Our Funding Products
Fast real estate loans with competitive rates
FIX & FLIP DEFERRED PAYMENT PRODUCT 1
Not Available for Chicago, IL / New Orleans / California / Rhode Island
New & Experienced Investors.
Fast real estate loans with competitive rates starting at 9.99%
(720+ credit score interest rate is around 9.99%)
( 640 credit score interest rate is around 12% to 13%)
True deferred payments – no payments until loan repays
6 – 18 month terms 10 to 20% Down – (Depending on experience)
Loan sizes from $75,000 to $2.5 Million Can Close 10 to 14 Biz Days (usually faster than that!)
Five-year look back on experience for experienced investors
Minimum property value of $75,000 (not the purchase price)
No tax returns or bank statements required
No hard credit pulls → all Soft pulls
FIX AND FLIP PRODUCT 2 (700+ Credit Score)
🚫 Not available in: New Orleans, California
WITH MONTHLY PAYMENTS
Rates as low as 7.75%* with a 720 credit score
No Application Fee / No Appraisal / No Income Verification
Key Features
  • Loans from $100K to $3Million
  • Up to 95% of purchase price*
  • Up to 80% of after-repair value
  • 12, 18 + 24 month terms w/ interest-only payment options
  • 100% of rehab cost
  • No experience required
  • 95% LTV
  • No pre-payment penalty
Perfect for:
  • Single family
  • Manufacturer (no wheels)
  • Condos
  • 2 to 4 units
Fix-and-flip loans are flexible, supporting a variety of non-owner occupied properties such as single-family residences, manufactured homes, 2-4 unit dwellings, condos, and Planned Unit Developments (PUDs): PUD – small community w/ single family homes)
We can provide the funds to purchase and can close in as fast as 7 days, allowing you to compete against cash buyers. Plus, we cover 100% of the rehab costs so you can turn your vision into reality.
Fix-and-flip loans provide up to 95% LTC of your project's initial costs and cover 100% of rehab expenses. This high leverage, combined with your FICO® score and the property's after-repair value (ARV), equips you to maximize your investment's potential.
In our fix-and-flip loans, "draws" are how you get funds released in parts for your renovation work. As you move forward with your property's rehab, these draws, which are included in your total loan, get released step by step. This way, you're covered for the full rehab costs, making managing your budget a lot smoother. After each phase of the renovation, an inspection checks the progress, ensuring everything is on track as planned, before releasing the next draw of funds.
Fix & Flip Product 3 (650+ Credit Score)
PROPERTY TYPE
Single Family, Condos, 2-4 Units, Multifamily (5+ Units), Mixed-Use Buildings
LOAN TYPE
Purchase, Rehab, Rate/Term Refinance, Cash-out Refinance, Stabilized Bridge
EXPERIENCE
No Experience Required
LOAN AMOUNT
$100,000 Minimum
LOAN TERM
12–24 Months, Interest Only, No Prepayment Penalty
Fix & Flip Product 3 (continued)
Fix & Flip Product 3 (continued)
Financing for Purchase and Rehab
Buy "as is" and close fast!
No DTI (Debt To Income) or Personal Income Verification
Minimal Borrower Documentation Required
Bank Statements
Some lenders may ask for Bank Statements We help you to liquidate credit cards to have the money in the bank for the lenders to see.
Fix & Flip Product 4 (___ Credit Score)
PROGRAM HIGHLIGHTS
✔ Up to 92.5% LTC & 75% LTV (LTC = Loan To Cost)
REHAB FUNDING
✔ 100% of rehab budget with 4-day draws
TERM OPTIONS
✔ 13, 19 & 24-month term options
PROPERTY TYPES
✔ 1 - 4 Units
LOAN AMOUNTS
✔ Loans from $100K to $5M
INTEREST RATES
✔ Rates as low as 8.45%
FEE STRUCTURE
✔ Defer the payment of your Lender origination fees to when you exit the property
Fix & Flip Product 5 (600+ Credit Score)
WITH MONTHLY PAYMENTS
Only offered in GA / NC
Program Terms: We provide approval in less than 24 hours. As a direct lender, we have full discretion and the funds on hand to close quickly. We pride ourselves on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.
"No Experience Needed"
Key Details
Loan Amounts
$100K – $2M
Rates
8.90% – 10.90%
Term
6–18 months (w/ extension options)
Property Types
Residential (SFR & 2-4 Unit)
Features
  • NO Appraisal Required (on most loans): Save $695 and 30 days!
  • NO Junk Fees | Points: 2.0% – 3.0%
  • Minimal Docs required: Basic Biz docs.
  • Payment: Interest Only, No pre-payment penalty
  • $1,995 Doc Fee
  • Financing for purchase and renovation costs
  • LTC: Up to 93% (90% of Purchase, 100% of Rehab)
  • LTV: Up to 75%
  • Quickest draw process in the industry
  • Nationwide (see excluded states)
🚫 Not available in: LA, MN, MO, NY, SD, ND, Baltimore, Chicago, Detroit, Northern NJ
Fix & Flip Loan Product 6 (__ Credit Score)
Approval And Terms In 24 Hours
Single Family Residential And Multifamily (2–6 Units)
Private Loans From $100K–$1.5M
No Appraisal Needed
6–12 Month Terms
No Junk Fees
Fix & Flip Product 7 (No Credit Check!)

WITH MONTHLY PAYMENTS
Only offered in GA/TX/AZ/CO/TN
No Appraisal
No Credit Check
10% to 20% down
3 Comps sold in the last 180 days
Fix and Flip NO MONEY DOWN Product 8 (600+ credit score)

6

Location Availability
Only Available in– AL / AK / GA / IN / MO / NM / OH / TN / TX
Credit Requirements
No Bankruptcy or Foreclosure in the last 5 yrs.
Loan Details
• Pay for Taxes, Title, & Lender Fees
- No Prepayment Penalties
Down Payment
No money down
Bank Account
Show $15,000 in Bank acct. (No seasoning. No care where the funds come from.)
6
Loan Amount
$100K to Max $2.5 million
💼 DSCR Loans & 100% Investor Financing
Flexible Capital Solutions for Real Estate Investors
✅ What Is a DSCR Loan?
A DSCR Loan (Debt Service Coverage Ratio) is a powerful financing option for real estate investors who want to leverage rental income without providing tax returns, W2s, or personal income verification.
Key Features:
✅ No Tax Returns / No W2s / No DTI Required
✅ Close in as little as 20 days
✅ Use Rental Income to Qualify
✅ Cash-Out Refinance Options Available
✅ Rates starting at 6.5% (credit-based)
📊 How It Works – DSCR Formula
The DSCR is calculated using: DSCR = Net Operating Income ÷ Debt Payments
To qualify, your DSCR score should be 1.0 or higher.
A property is considered cash flowing if the rental income covers or exceeds the mortgage payment.
Example 1 – Pass: Purchase Price: $200K
Rent: $2,000/month
Mortgage: $1,400/month
DSCR = 2000 ÷ 1400 = 1.43 (Pass)
Example 2 – Fail: Purchase Price: $170K
Rent: $1,200/month
Mortgage: $1,400/month
DSCR = 1200 ÷ 1400 = 0.86 (Fail)
🏠 Who It's For
Credit Score: 680+ (Best rates at 720+)
Property Types:
Single-family
2–4 units
Multi-family
Short-Term Rentals / Airbnbs
Loan-to-Value (LTV): 80–85%
5+ units require 20% down
New & Experienced Investors Welcome
Experienced investors can use HUD statements as proof.
🔁 Cash-Out Refi Example
Own a free & clear property?
You can pull equity with a cash-out DSCR refi and walk away from the table with no money down.
Case Study:
Property Value: $140K
Needed Repairs: $50K
LTV Refi @ 75% = $105K
Funds are pulled from the equity—no personal funds needed.
🟣 100% Financing for Elite Investors
Unlock 100% financing when you meet these criteria:
Requirements:
750+ Credit Score
$150K Liquid in the Bank
5+ Investment Properties
(Fix & Flips, Buy & Hold, Short-Term Rentals, etc.)
Example – Sam is an Investor that qualifies:
750+ Credit Score
$150K Liquid
5 Properties
✅ Sam gets 100% financing. You can too.
⏳ Move Quickly — Lock in Rates Rates range from 6% to 9% and change daily based on the market.
To secure your rate: Submit your documents within 3 days of applying
Avoid delays that could lead to missed opportunities
📞 Ready to Qualify? Book a consultation or start your application today.
Let us structure the perfect deal for your next cash-flowing asset.