Financing for the whole deal lifecycle.

Start from your exit, not from the property. If you are buying, renovating and selling, that is fix and flip. If you are keeping the property and renting it, that is a DSCR rental loan. If you are building from the ground up, that is construction. If you need short-term money while you arrange something permanent, that is bridge. If you are reselling a contract or closing two transactions at once, that is transactional funding. Tell us the exit and we will point you at the program that fits it, or tell you that none of them do.

Eleven, and yes, every one of them is business-purpose. They cover fix and flip, DSCR rental, ground-up construction, commercial bridge, transactional funding, bank statement, conventional investment, portfolio (blanket), commercial permanent, SBA, and second mortgages on rentals. All eleven finance investment or commercial property. None of them can be used for the home you live in.

Most do, but not all. Our bridge, fix and flip and construction loans qualify off the property and your equity, and DSCR rental loans qualify off the property's rent, so we do not ask for W-2s or pay stubs. SBA and conventional investment loans are the exceptions and are fully documented. We will want to see bank statements or proof of reserves either way.

It depends on the program, and the range is days to months. Fix and flip and residential bridge typically close in 5 to 7 days once we have your basics. Rental (DSCR) loans usually take 2 to 3 weeks, because of the appraisal and rent verification. Second mortgages on rentals typically close in 3 to 4 weeks. SBA runs 30 to 90 days. The biggest variable on any of them is how quickly title, insurance and your documents come together.

No. They are typical ranges, and every one of them is subject to underwriting. Pricing on a private loan moves with the property, the leverage, your experience and the exit, and origination generally runs 1 to 3 points on top of the rate. Weigh the rate and the points together when you compare offers, since that is your true cost of capital. Nothing on these pages is a commitment to lend.