We strive to find the best funding solution for your project. Depending on the solution, we may require hard pulls, but this only happens once you've accepted the terms, and the loan is in underwriting.

Checking, savings, and money market accounts. We can also consider retirement accounts, stocks, and HELOCs up to 70% of the balance.

Yes, we do! We cover all types of rentals for DSCR loans.

Yes, however it's subject to the specific deal and borrower experience.

Yes, this person must be a partner in the operating agreement of the entity.

Most funding programs for DSCR loans require 3-6 months seasoning. However, we have a limited set of programs that allow no seasoning.

It depends on the type of loan product. Note that the following timelines start when the file is ready for underwriting, meaning that all information and documents are submitted. Also keep in mind that the more time we have until closing, the better loan terms we can provide.

Rehab/bridge loans – as fast as 48 hours, but on average: 10 business days
Rental (DSCR) loans – as fast as 2 weeks, but on average: 25 - 30 calendar days
Construction – as fast as 3 days after appraisal, but on average: 3 - 4 weeks
Commercial – as fast as 30 days, but on average: 60 - 90 calendar days

Combined low FICO score with lack of experience and low or no liquidity

No experience and the rehab cost is larger than the purchase price

The asset type is a mobile or manufactured home

6/9/12 months fix and flip loans

24-month bridge loans

12/18/24 months construction loans

5/7/30-year DSCR rental loans

All commercial loans

All states except ND, SD, VT, MN.