Programs
Residential & Commercial Private Money Lending
Below are common structures and terms we see. Final terms depend on the asset, numbers, experience, and exit strategy.
Fix & Flip
Short-term acquisition + rehab funding designed for value-add resale.
- Use: Purchase + renovation on resale projects
- Typical term: 6–18 months
- Structure: Interest-only; rehab draws (as applicable)
- Key drivers: ARV, scope, timeline, experience, leverage
BRRRR
Bridge funding to acquire/rehab then refinance into a long-term rental loan.
- Use: Buy + rehab + stabilize
- Typical term: 6–18 months bridge
- Exit: Cash-out refi (DSCR) or portfolio refi
- Key drivers: stabilization plan, rent comps, refi path
DSCR Rental Loans
Rental financing primarily based on cash flow coverage (DSCR) vs. personal income.
- Use: Stabilized rentals (SFR/2-4, some small multi)
- Term: Commonly 30-year amortization options (varies)
- Drivers: market rent, DSCR, leverage, property quality
- Great for: scaling buy-and-hold portfolios
Use the DSCR calculator on Home/Apply for a quick estimate.
Ground Up Construction
Funding for new builds with structured draws and progress milestones.
- Use: New construction (spec or pre-sold varies)
- Structure: Draw schedule, inspections, timeline controls
- Drivers: budget, GC track record, plans, permits, comps
- Exit: sale or refinance
Commercial Acquisition
Acquisition or bridge capital for commercial assets (stabilized or value-add).
- Asset types: warehouse/industrial, multi-housing, office, mixed-use
- Use: purchase, repositioning, bridge-to-perm strategy
- Drivers: NOI, occupancy, sponsor strength, leverage
- Exit: sale, refinance, permanent debt