Bridge Loans
Fix & Flip
Ground-Up Construction Loans
Ground-Up Construction Loans
Purpose
Short-term capital to acquire, refinance, or reposition residential properties quickly. Property Types
Residential (1–4 units)
Loan Amount
$50,000 – $3,000,000
Maximum Loan-to-Cost (LTC)
- Up to 90% of purchase
- Up to 100% of rehab costs
Maximum Loan-to-ARV (LTARV)
Up to 75%
Term Length
12 months (up to 18 months)
Recourse
Full recourse
Ground-Up Construction Loans
Ground-Up Construction Loans
Ground-Up Construction Loans
Purpose
Short-term capital to take residential projects from land to completed homes, keeping your build on schedule and funded.
Property Types
Residential (1–4 units)
Loan Amount
$50,000 – $3,000,000
Maximum Loan-to-Cost (LTC)
- Up to 75% of the lower of land value or purchase price (60% if unpermitted), plus up to 100% of construction costs
- Up to 85% of total project costs (up to 90% if interest reserve is financed)
- LTC “catch-up” draw available to increase initial advance to 75% upon approval of required plans/permits post-closing
Maximum Loan-to-ARV (LTARV)
Up to 70%
Term Length
12 to 24-month loan terms available
Recourse
Full recourse
Stabilized Bridge - No DSCR
Stabilized Bridge - DSCR Exit
Stabilized Bridge - DSCR Exit
Purpose: To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale.
Property Types
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
Loan amount: $50,000 – $3,000,000
Term: 12 months (up to 18 months)
Max LTC: 85% of purchase price + verified completed capex if property owned <6 months
Max LTV: 70%
Min DSCR: N/A
Property Condition
C2 or better
Min FICO: 660
Collateral Restrictions
Property value within 90th percentile of market. No rural, exotic, or unique properties
Stabilized Bridge - DSCR Exit
Stabilized Bridge - DSCR Exit
Stabilized Bridge - DSCR Exit
Purpose
To provide bridge financing on a property that is currently rented or soon to be rented but is not yet ready for permanent financing. Property Types
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
Loan amount: $50,000 – $3,000,000
Term: 12 months (up to 18 months)
Max LTC: 85% of purchase price + verified completed capex if property owned <6 months
Max LTV: 70%
Min DSCR: 1.10 Exit DSCR based on lower of in-place rent and market rent
Property Condition: C4 or better with no deferred maintenance
Min FICO: 660
Collateral Restrictions
No rural, exotic, or unique properties
Rental Loans
SINGLE PROPERTY RENTALS
SINGLE PROPERTY RENTALS
SINGLE PROPERTY RENTALS
Purpose
Long-term financing for cash-flowing single-family homes and small multi-family rentals, designed for stable income and portfolio growth.
Property Types
Single Family, 2–4 Units, Townhomes, PUDs, Warrantable Condos
Loan Amount
$75,000 – $2,000,000
Loan Types
- 30-Year Fixed Rate Mortgage (Fully Amortizing or Partial IO)
- 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
Maximum Loan-to-Cost (LTC)
80% of Total Cost Basis (if owned < 3 months)
Maximum Loan-to-As-Is Value (LTAV) (Subject to min. FICO)
- Purchase/Rate-Term Refinance: 80%
- Cashout Refinance: 75%
Minimum Debt Service Coverage Ratio (DSCR)
1.05x (Gross Rent / PITIA)
Term Length
30 Years
Recourse
Full Recourse Only
Minimum Guarantor FICO
Mid-Score of 660
Lease Requirements
- Leased Units: Lower of (i) In-Place Rent or (ii) Market Rent
- Unleased Units: 100% of Market Rent (Purchase Loans only or 1 unit of a 2–4 unit refinance)
RENTAL PORTFOLIOS
SINGLE PROPERTY RENTALS
SINGLE PROPERTY RENTALS
Purpose
Long-term financing for rental property portfolios, helping investors scale cash flow across multiple assets with flexible, income-focused terms.
Property Types
Single Family, 2–4 Units, Townhomes, PUDs, Warrantable Condos
Loan Amount
Minimum Property Value: $100K
Maximum Loan Amount: $2,000,000
Loan Types
- 30-Year Fixed Rate Mortgage (Fully Amortizing or Partial IO)
- 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
Maximum Loan-to-Cost (LTC)
80% of Total Cost Basis (if owned < 3 months)
Maximum Loan-to-As-Is Value (LTAV) (Subject to min. FICO)
- Purchase/Rate-Term Refinance: 80%
- Cashout Refinance: 75%
Minimum Debt Service Coverage Ratio (DSCR) (Net Cash Flow / Debt Service)
- Portfolios ≤ $2MM and ≤ 10 properties: 1.05x (Gross Rent / PITIA)
- All other portfolios: 1.20x
Term Length
30 Years
Recourse
Full Recourse
Minimum Guarantor FICO
Mid-Score of 680
Lease Requirements
- Minimum Occupancy: 90% by Unit Count
- Leased Units: Lower of (i) In-Place Rent or (ii) Market Rent
- Unleased Units: 100% of Market Rent (Purchase Loans only)