Construction loan structured with staged draws and contingency reserves. Completed on schedule and sold post-completion.Do you require tax returns?
Many of our programs are asset-based and do not require traditional income verification. Rental and DSCR loans are typically underwritten based on property cash flow rather than personal tax returns.
Bridge, construction, or more complex transactions may require additional financial documentation depending on the deal structure.
How much liquidity do I need?
Liquidity requirements vary by program and deal profile.
Fix & flip and construction loans require sufficient reserves to support execution and contingencies. Rental loans may require post-closing reserve minimums depending on loan size and property type.
Not all programs require extensive liquidity verification. Experience, structure, and deal fundamentals are also considered.
Can I refinance after 90 days?
In many cases, yes.
Certain rental and DSCR programs allow refinance after 90 days of ownership, subject to seasoning guidelines, appraisal, and underwriting review.
Refinance eligibility depends on property stabilization and exit strategy.
Do you finance first-time investors?
We do work with newer investors. Structure, leverage, and documentation requirements may differ compared to experienced operators.
Experience impacts risk evaluation, but lack of experience alone does not automatically disqualify a borrower.
Do you finance LLCs?
Yes.
Most investment loans are structured in an LLC or business entity. Personal guarantees are typically required depending on the program and ownership structure.
Is there a prepayment penalty?
Prepayment structures vary by program.
Certain long-term rental loans may include step-down prepayment provisions. Many bridge and fix & flip loans offer more flexible exit structures.
All terms are clearly defined before closing.
What types of properties do you finance?
We finance non-owner-occupied investment properties including:
1–4 unit residential
Small and mid-size multifamily (5+ units)
Transitional value-add assets
Ground-up residential construction
Financing is not available for primary residences.
Why we don't compete on rate
We don’t compete on rate because we compete on structure and execution clarity. Lower rates mean nothing if the loan changes before closing, delays settlement, or doesn’t match your exit plan. We underwrite for real-world outcomes first — not headline pricing.
