Hole number 4 at Whistling Straits golf course overlooking Lake Michigan

Direct Private Lender

Financing That Moves at Your Speed

Empowering real estate investors with quick, flexible, and transparent private lending solutions — helping you close deals fast and scale your portfolio with confidence.

$500M+

Funded

48hr

Avg. Approval

50

States

What We Offer

Direct Private Lender Financing

Short-term and long-term financing options for real estate investors of non-owner occupied properties across various asset classes.

Fix & Flip / Bridge

Short-term financing for purchasing, renovating, and reselling residential and small multifamily properties.

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Rental Property DSCR

Long-term stabilized loans based on property cash flow, not personal income. Fixed rates for up to 30 years.

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Multifamily DSCR

Purchase, rehab, and permanent financing solutions for 5+ unit multifamily and mixed-use properties.

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New Construction

Ground-up construction financing for SFR and 2-4 unit multifamily with entitled land and proper permits.

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Refinance

Cash-neutral and cash-out refinance options for current investment properties at competitive rates.

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Final loan terms may vary based on loan types, verification of application information, appraisal and other lender underwriting criteria.

Programs

Financing Programs

Short-Term
RTL — Non-Stabilized

Renovation, transitional, and construction loans for properties in active development or repositioning.

  • Fix & Flip

    SFR + 1-4 Multi-Family

  • Bridge

    5+ Unit Multi-Family / Mixed Use

  • New Construction

    SFR + 2-4 Multi-Family

  • PUDs

    Entitled Land with proper permits & zoning

*Not able to finance unentitled or raw land

Permanent
DSCR — Stabilized

Long-term fixed-rate loans for income-producing, stabilized investment properties.

  • Purchase financing up to 80% LTV

  • Cash-neutral refinance up to 80% LTV

  • Cash-out refinance up to 75% LTV

  • Fixed rate for 30 years for all DSCR loans

  • Interest only option for 10 years

  • Properties up to 10 units

Rates starting at 5.75%

Fixed rate for 30 years with additional term options available

Pricing

Experience Tiers

Better rates and higher leverage as you grow your track record. We reward experience with more favorable terms.

Tier 1

0 - 1 Past Projects

Rates starting at

10.25%

Prefer lighter rehabs vs. gut renovations

No ground up construction

Leverage

Loan to Costup to 80%
Loan to Valueup to 65%
Loan to Purchaseup to 75%

Tier 2

2 - 3 Past Projects

or $2,500,000 in projects sold

Rates starting at

9.95%

No ground up construction

Leverage

Loan to Costup to 85%
Loan to Valueup to 70%
Loan to Purchaseup to 80%

Tier 3

4+ Past Projects

or $5,000,000 in projects sold

Rates starting at

9.25%

Ground up construction with at least 1 prior project

New construction SFR & multi-family 1-4

Leverage

Loan to Costup to 90%
Loan to Valueup to 70%
Loan to Purchaseup to 85%

Get Started

Submit an Inquiry

Our team will reach out to discuss different financing scenarios tailored to your needs. Fast response times and personalized service guaranteed.

Submit your project details

Tell us about your investment property and financing needs.

Receive tailored scenarios

Our team will craft financing options specific to your deal.

Close with confidence

Move forward quickly with transparent terms and reliable funding.

Your information is kept confidential and will only be used to discuss financing options.