Straight answers.
No hedging.
Qualifying.
Do I need good credit?
Most programs look for 660+ FICO, but private money is asset-first. Strong liquidity and a deal that pencils can compensate for a lower credit profile in some programs.
Do I need to be employed?
No. Private money is asset-based lending. Self-employed, 1099, or income that doesn't pencil on a tax return is exactly who we serve.
Do I need an LLC?
Bridge loans require a business entity, usually an LLC. DSCR loans can close in personal name or entity, though entity is encouraged.
Can a first-time investor qualify?
Yes. With strong FICO, liquidity, and a deal that pencils, even first-time investors can get funded. We have first-time investor programs across multiple lenders.
The Deal.
What property types do you work with?
Single-family homes, 1 to 4 unit residential, mixed-use, and land with select lenders. We do not work on owner-occupied consumer loans.
What is the minimum and maximum loan size?
We work deals across a wide range. Ground-up construction goes up to $10M+ comfortably. Send us the scenario and we'll tell you fast if it's a fit.
How fast can we close?
Bridge loans typically close in 1 to 3 weeks. DSCR rental loans run about three weeks. Construction and complex files take longer.
What does it cost me?
No upfront fees. We're paid a brokerage fee at closing, typically built into the loan. You'll see full fee transparency before committing to anything.
Definitions.
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rental income covers its mortgage payment. A DSCR of 1.0 means the property breaks even. It's the gold standard for buy-and-hold investors because qualification is based on the property, not your personal income.
What is ARV?
After Repair Value. The estimated market value of the property once renovations are complete. Fix and flip lenders often size loans against ARV in addition to current value.
What is Dutch interest?
On construction loans, you pay interest only on the portion of the loan actually drawn, not the full committed amount. It keeps carry costs lower while you build.
What is a business purpose loan?
A loan used for investment or business activity, not for a property you live in. Every loan we broker is business purpose only.