Loan programs

Investor-centric financing for every stage of the deal.

Buy, build, renovate, refinance, or unlock liquidity — each program bypasses rigid retail guidelines and is structured around your project, then processed to a clean close.

01 · DSCR Rental Loans

Qualify on the property, not your tax returns.

Long-term financing with no personal income documentation — qualify on the lease agreement, a 12-month STR history, or market rent (1007). For purchases, rate & term, or cash-out.

  • Terms up to 40 years, including interest-only options.
  • Qualifies on the lease agreement, 12-month STR history, or 1007 market rent.
  • 10%-down business-purpose option for qualified self-employed borrowers.
  • Vesting in an LLC or entity welcome.
Qualifies onLease / STR / 1007
TermUp to 40 yr I/O
Down10% biz-purpose option
Best forPurchase, R/T & cash-out
02 · Bridge Loans

Buy like cash. Sell on your timeline.

Buying? Make all-cash offers with as little as 10% down — 5% if you're exploring primary options. Selling? Bridge-to-sell unlocks trapped capital while you wait for the right offer.

  • All-cash-offer bridge loans with as little as 10% down (5% on primary options).
  • Bridge-to-sell: 75% cash-out / 80% rate & term.
  • No-prepayment-penalty options — access trapped capital while waiting for the right offer.
Buying10% down (5% primary)
Bridge-to-sell75% CO / 80% R/T
Prepay penaltyNo-PPP options
Best forDevelopers & flippers
03 · Fix & Flip / Rehab

Low entry, renovation budget included.

One loan covers up to 90% of the purchase price plus 100% of the renovation budget — with draws released as the work completes, including non-Dutch options.

  • Up to 90% LTV of purchase + 100% of the renovation budget.
  • Draws released as work completes — non-Dutch options available.
  • Low cash-to-close with the budget built into the loan.
PurchaseUp to 90% LTV
Budget100% financed
DrawsNon-Dutch options
Best forLow entry
04 · Ground-Up Construction

Build it from the dirt up.

New-construction financing for SFR, spec, and luxury projects — leverage sized to the as-completed value so you can scale your build pipeline.

  • Up to 85% loan-to-cost.
  • 12–24 month terms with construction draws.
  • Single builds to luxury spec and lot splits.
LTCUp to 85%
Term12–24 mo
TypeSFR / spec
Best forBuilders
05 · Cash-Out Refinance

Qualify on cash flow, not tax returns.

Skip the write-offs and tax return hurdles. Leverage 12 or 24 months of personal or business bank statements — or profit & loss statements — to verify your true purchasing power.

  • 12 or 24-month bank statements used to calculate income.
  • No tax returns required — keep your write-offs without penalty.
  • Flexible ownership structures for 1099s, S-Corps, LLCs, and sole proprietors.
Tax returnsNot required
Income verification12–24 mo. bank statements / P&L
Loan typesPrimary, second home & investment
Best forBusiness owners & 1099s
06 · Investor HELOC

Standby liquidity, on demand.

A white-label, digital home-equity line engineered for self-employed investors who want capital ready to draw without slowing the next project down.

  • Revolving line — draw, repay, draw again.
  • Built for self-employed and investor income profiles.
  • Fast, digital experience from application to draw.
TypeRevolving line
Built forSelf-employed
ExperienceDigital
Best forStandby liquidity
The execution layer

Every program, processed to a clean close.

A sharp structure only matters if the file closes. Christine runs the operations pipeline so complex deals move from application to clear-to-close without the drag.

Bulletproof Files

Complete, audit-ready file compilation up front — specializing in unconventional financing, investor portfolios, and complex corporate entities.

Direct Underwriter Navigation

Conditions anticipated before they're issued, with direct lines to underwriting so the file never stalls in a queue.

Investor-Speed Pipeline

Aggressive efficiency from application to clear-to-close, because a single day of un-leveraged capital is a day too many.

Find the right program

Not sure which loan fits your deal?

Tell us about the project. We'll recommend the program, map the path to close, and tell you straight if it isn't a fit.

Meet the team