Funding for real estate.

Bridge loans through our lending partners typically close in 10-14 business days from application. In some cases, closings can happen in as few as 7 business days when the property appraisal and title work are expedited. This is significantly faster than traditional bank financing, which averages 45-90 days, and gives investors the speed to compete with cash buyers.

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income the property generates rather than your personal income or employment. If the property's monthly rental income covers at least 1.0 to 1.25 times the monthly mortgage payment (including taxes, insurance, and HOA), you can qualify. This makes DSCR loans ideal for investors who own multiple properties or are self-employed, since no personal tax returns or W-2s are required.

Fix-and-flip bridge loans typically offer 80-90% of the purchase price and up to 100% of the renovation budget, with a maximum combined loan-to-value of 70-75% of the after-repair value (ARV). For example, on a property with a $200,000 purchase price and $50,000 in planned renovations with an ARV of $350,000, you could potentially borrow up to $180,000 for the purchase and $50,000 for renovations. Down payments typically range from 10-20% of the purchase price.

Yes. Commercial real estate loans are available for office buildings, retail spaces, industrial properties, warehouses, and multifamily buildings with 5 or more units. SBA 504 loans require only 10% down for owner-occupied commercial properties and offer fixed rates for 10-25 year terms. Conventional commercial mortgages typically require 20-25% down with 5-25 year terms. Investment commercial properties can be financed with DSCR-based commercial loans.