White Woolf Capital
Loan programs

Every deal is
a different animal.

We broker private money across the full spectrum of real estate strategies. Below are the most common programs, but if your deal doesn't fit a box, we still want to see it.

01
Speed · Flexibility

Bridge Loans

Short-term, asset-based capital to close fast then refinance into a long-term product. Ideal for time-sensitive acquisitions where banks won't move in time.

Best for
Fast closings
Rates
Rates vary by scenario
Term
~12 months
Key qualifier
LTV / FICO / Liquidity
  • Interest-only payments
  • Close in 1 to 3 weeks
  • Light, fast underwriting
  • Business entity required
02
Acquisition + Rehab

Fix & Flip

One loan covers acquisition and renovation. Interest-only during the rehab. Underwritten on LTV, after-repair value, and your track record.

Best for
Rehab investors
Rates
Rates vary by scenario
Term
12 months (extendable to 24)
Key qualifier
LTV / ARV / Experience
  • Up to LTARV based on lender
  • First-time investor programs
  • Draw-based rehab funding
  • Single-family to 1–4 unit
03
Buy & Hold

DSCR Rental

Qualify on the property's rental income, not your personal tax returns. Build a portfolio without W-2 limitations. BRRRR friendly.

Best for
Long-term hold
Rates
Rates vary by scenario
Term
30-year terms
Key qualifier
Rental income / DSCR ratio
  • No personal income required
  • Personal name or entity
  • Cash-out refinance available
  • Short-term rental friendly
04
Builders & Developers

Ground-Up Construction

Capital for builders moving dirt, from single SFR infill to small subdivisions. Non-Dutch interest keeps carry costs in check while you build.

Best for
New builds
Rates
Rates vary by scenario
Term
12–24 months
Key qualifier
LTC / GC credentials
  • Up to $10M+ per project
  • Draw-schedule funding
  • Pay interest only on draws
  • Spec or pre-sold
05
Rate / Term & Cash-Out

Refinance

Pull equity out of completed flips or stabilized rentals, or roll out of a bridge into long-term financing. Asset-based underwriting on both sides.

Best for
Stabilized or mid-stream
Rates
Rates vary by scenario
Term
Varies by product
Key qualifier
Current value / equity
  • Rate and term refinance
  • Cash-out refinance
  • Bridge-to-DSCR transitions
  • Investment properties only

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scenario?

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