Find the Right Loan for Your Next Deal

01

100% Financing, No Docs Required: Invest with Ease

Stop worrying about large cash reserves and complicated paperwork. With 100% financing and no monthly payments, you can focus on scaling your real estate portfolio while we handle the funding.

EXAMPLE SCENARIO
  • Purchase Price: $150,000
  • Rehabilitation Costs: $50,000
  • Total Amount Needed: $200,000
  • After Repair Value (ARV): $300,000
  • Loan Amount (70% of ARV): $210,000
  • Benefits: This loan structure allows for over-funding to cover closing costs, third-party title fees, and insurance, requiring zero cash out of pocket at closing. No monthly payments are required until you exit the loan through sale or refinancing.
ADVANTAGES
  • No Upfront Fees: Unlike many hard money and private money lenders, we do not charge upfront fees. Payment is only required upon obtaining an Approval/Clear to Close.
  • Flexible Closing: You may select any title company or closing attorney. All funds are wired to escrow on the closing date.
  • Generous Funding: We provide up to 70% of the After Repair Value (ARV), 100% of the loan-to-cost (LTC), and 100% of the rehabilitation costs.
  • Deferred Payments: We offer a true deferred payment option, enabling you to retain maximum cash flow throughout your project.
  • Loan Amounts: Available from $75,000 to $1,000,000, including rehabilitation costs.
  • Property Value: Minimum property value of $50,000, or $75,000 without verified experience.
  • Interest Rates: 0.875% to 1.125% monthly.
  • No Proof of Liquidity Required: No need for bank statements, proof of income, proof of employment, taxes, W-2s, pay stubs, or interest reserves.
  • Credit Requirements: Minimum FICO score of 640. Credit partners or co-signers may be accepted with a soft credit pull.
  • Additional Features: Scale up to four active loans with no monthly payments and no proof of liquidity required. Refinancing options are available to pay off existing loans and fund further rehabilitation with no monthly payments.
TERMS AND AVAILABILITY
  • Closing Time: Typically 10-14 days.
  • Experience Required: New investors are welcome. Experience required for heavy rehab projects.
  • Loan Terms: 12 months
  • Property Types: 1-4 unit investment residential properties.
  • Points: 2.5 to 4.50
  • Prepayment Penalty: None
  • Exclusions: No rural properties.
  • Available Locations: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL (excluding Cook County), IN, KS, MD (excluding Baltimore), MA, MN, MO, NV, NH, NJ (excluding Trenton and Newark), NC, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI.
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02

NO DOC Purchase, Refinance, and Rehab Loans (Fix-and-Flip/Hold)

Skip the roadblocks and access funding that aligns with your goals. Whether you’re flipping or holding, our loan options are designed to keep your cash flow strong and your investments growing.

ADVANTAGES
  • No Upfront Fees: Unlike many hard money lenders, we do not require any upfront fees. Payment is only due upon receiving a Clear to Close.
  • Flexible Closing Options: Choose any title company or closing attorney. All funds are wired directly to escrow on the closing date.
  • Generous Funding: We offer up to 75% of the After Repair Value (ARV), up to 90% of the purchase price, and 100% of the rehabilitation costs.
  • Competitive Rates: Interest rates range from 8.99% to 12.99%.
  • High Loan-to-Cost (LTC): Up to 100% LTC and 100% of rehab costs are covered.
  • Loan Terms: Available for 12 to 36 months.
  • Loan Amounts: From $100,000 to $5,000,000.
  • Credit Requirements: Minimum FICO score of 680, with options available for scores as low as 600.
  • Quick Closing: We can close in as little as 10 days.
  • Interest Payment: Interest is paid upon disbursement.
  • Investor-Friendly: New investors are welcome. Foreign investors with a FICO score are also eligible.
  • Property Types: 1-4 unit investment residential properties.
  • Points: 2 to 4.25.
  • No Prepayment Penalty: There are no penalties for early repayment.
  • Exclusions: No rural properties.
  • Market Availability: Available in all markets except ND, SD, Detroit, Chicago, Inner City Baltimore, NY Counties, Queens, Richmond, Kings, Bronx, Suffolk, and Nassau, Patterson and Camden, NJ.
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03

PML/JV Agreement (TRUE 100% Financing)

Turn your investment plans into reality with full coverage funding. From down payments to rehabilitation costs, we ensure you have everything you need—without the burden of monthly payments.

COVERAGE INCLUDES:
  • Down Payment
  • Closing Costs
  • Construction and Rehabilitation
  • Advances to Start Rehabilitation
  • Permits
  • Tax Liens
  • Reserves
ADVANTAGES
  • Up to 100% Financing: Our Private Money Loan (PML) can be combined with Hard Money Loans (HML) to achieve true 100% financing.
  • Second Position: No second lien is required, offering a significant advantage.
  • No Monthly Payments: Enjoy the benefit of deferring payments until the loan is repaid.
  • Loan Amount: $10,000 to $250,000.
TERMS AND AVAILABILITY
  • Closing Time: Loans can close in as little as 5 business days.
  • No FICO Requirement: No credit score is required for eligibility.
  • Term Length: Up to 6 months.
  • Interest Rates: 15% to 22%, with an average rate of 20%.
  • Points: 7.5 to 10.
  • Market Availability: Available in all markets.
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04

30-Year Rental - DSCR Loans

Why jump through hoops when you don’t have to? Get up to 80% financing without proof of income or employment. With long-term fixed rates and interest-only options, your cash flow stays strong while your portfolio grows. 

ADVANTAGES
  • Floor Rate: 6.125%.
  • Loan-to-Value (LTV) Ratios:
  • Up to 80% for Purchase and Refinance
  • Up to 75% for Cash-Out Refinances
  • Qualification: No proof of income, employment, taxes, W-2s, or pay stubs required. Qualification is based on rental income.
  • Loan Term: 30-year fixed-rate term.
  • Interest-Only Options: Available with 5/1, 7/1, and 10-year interest-only periods.
  • Loan Amounts: Ranging from $50,000 to $5,000,000.
  • Property Requirements: Minimum property value of $75,000.
  • Credit Requirements: Minimum FICO score of 660 for most loans. Options available for scores as low as 600 with a lower LTV.
  • Property Types: 1-4 unit residential investments and multi-family properties (5+ units).
  • Investor Eligibility: Open to new and foreign investors.
  • Points: 1 to 4.25.
  • Market Availability: Available in all markets except ND, SD, UT, and VT.
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05

Bridge-Only Loans: Purchase and Refinance

Real estate opportunities don’t wait—why should you? With high LTVs, interest-only options, and flexible terms, our bridge loans help you close faster and scale smarter. No monthly payments in select cases, no red tape—just the capital you need, when you need it.

ADVANTAGES
  • Interest Rates: 8.99% to 13.5%, depending on the deal.
  • Loan-to-Value (LTV) Ratios:
  • Up to 80% for Purchase and Refinance
  • Up to 70% for Cash-Out Refinances
  • Interest-Only Periods: Available for 1 to 3 years.
  • Loan Amounts: Ranging from $75,000 to over $7,000,000.
  • No Monthly Payment Options Available on a Case-by-Case Basis
  • Credit Requirements: Minimum FICO score of 640.
  • Property Types: 1-4 unit residential investments and multi-family properties.
  • Investor Eligibility: Open to new and foreign investors.
  • Points: 2 to 4.25.
  • Market Availability: Available in all markets except ND, SD, UT, and VT.
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06

Ground-Up Construction and Land Purchase Financing

Your vision deserves the right financing. With 100% construction funding, land purchase assistance, and no monthly payments, you can focus on building—not budgeting.

ADVANTAGES
  • Construction Financing: Up to 100% financing available, with no monthly payments required.
  • Land Purchase: Up to 40% of the land purchase price covered, including construction, plans, and permits. (No documentation or monthly payments required.)
  • After Repair Value (ARV): Up to 70% of the ARV.
  • No Monthly Payments with Deferred Interest: We offer a unique deferred interest option, allowing you to maintain maximum cash flow throughout your project.
  • Loan-to-Cost (LTC): Up to 85% LTC available with no documentation required.
  • Interest-Only Terms: 12 month interest-only terms.
  • Loan Amounts: Ranging from $50,000 to $1,000,000.
  • Credit Requirements: Minimum FICO score of 640.
  • Property Types: 1-4 unit residential investments.
  • Experience Required: Previous experience required for eligibility.
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STEP-BY-STEP LOAN PROCESS

  • Submit Your Application
  • Get Pre-Qualified
  • Provide Necessary Documents
  • Loan Approval & Terms
  • Close & Receive Funding

MAKE YOUR MONEY WORK FOR YOU WITH PRIVATE LENDING

Tired of the slow returns from traditional investments? Private money lending gives you the chance to earn solid returns while helping real estate projects thrive—without the hassle of managing properties yourself.

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FREQUENTLY ASKED QUESTIONS

Get quick, clear answers to the most common questions. From loan terms to requirements, our FAQs make the process simple and transparent.

EVERYTHING YOU NEED TO KNOW

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YOUR GROWTH, YOUR TERMS, YOUR SUCCESS

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