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Attention: You can now buy the rate down using 1 point (being charged 3 total points that you pay the lender, instead of 2 points) — reducing the rate. For example: from 12% (standard interest rate) to 9.99%

FIX & FLIP DEFERRED PAYMENT PRODUCT 1 (640+ Credit score)

Not Available for Chicago, IL / New Orleans / California / Rhode Island

New & Experienced Investors.

Fast real estate loans with competitive rates starting at 9.99%

(720+ credit score interest rate is around 9.99%)

( 640 credit score interest rate is around 12% to 13%)

True deferred payments – no payments until loan repays

6 – 18 month terms 10 to 20% Down – (Depending on experience)

Loan sizes from $75,000 to $2.5 Million Can Close 10 to 14 Biz Days (usually faster than that!)

Five-year look back on experience for experienced investors

Minimum property value of $75,000 (not the purchase price)

No tax returns or bank statements required

No hard credit pulls → all Soft pulls

FIX AND FLIP PRODUCT 2 (700+ Credit Score)

WITH MONTHLY PAYMENTS

No Application Fee / No Appraisal / No Income Verification

🚫 Not available in: New Orleans, California

Rates as low as 7.75%* with a 720 credit score

  • Loans from $100K to $3Million
  • Up to 95% of purchase price*
  • Up to 80% of after-repair value.
  • 12, 18 + 24 month terms w/ interest-only payment options
  • 100% of rehab cost
  • No experience required
  • 95% LTV
  • No pre-payment penalty

Perfect for:

  • Single family
  • Manufacturer (no wheels)
  • Condos
  • 2 to 4 units
  • PUD's -Planned Unit Developments

🧮 Fix & Flip Product 2 – Leverage Example

Let’s say a client is looking at the following deal:

  • Purchase Price: $350,000
  • Rehab Budget: $90,000
  • Total Project Cost (LTC Base): $440,000
  • After Repair Value (ARV): $550,000

🔢 Leverage Guidelines for Product 2

Fix & Flip Product 3 (650+ Credit Score)

WITH MONTHLY PAYMENTS

Available: In all 50 States

PROPERTY TYPE: Single Family, Condos, 2-4 Units, Multifamily (5+ Units), Mixed-Use Buildings

LOAN TYPE: Purchase, Rehab, Rate/Term Refinance, Cash-out Refinance, Stabilized Bridge

EXPERIENCE: No Experience Required

LOAN AMOUNT: $100,000 Minimum

LOAN TERM: 12–24 Months, Interest Only, No Prepayment Penalty

LEVERAGE GUIDELINES

• Financing for Purchase and Rehab
• Buy "as is" and close fast!
• No DTI or Personal Income Verification

• Minimal Borrower Documentation Required

  • Some lenders may ask for Bank Statements
    We help you to liquidate credit cards to have the money in the bank for the lenders to see.

  • 🧮 Fix & Flip Product 3 Leverage Guideline Example

Let’s assume a client has a contract on a property with the following numbers:

  • Purchase Price: $200,000
  • Rehab Budget: $50,000
  • Total Project Cost: $250,000
  • After Repair Value (ARV): $350,000

🔢 Leverage Options (Based on Experience)

📌 Key Takeaways:

  • Experienced investors may get up to 90% of the purchase price, 100% of the rehab, and the total loan cannot exceed 75% of ARV.
  • New investors may only get 80% of the purchase price, but still get 100% of rehab, and must stay under 65% of ARV.
  • The lower of the LTC or ARV limits always applies.

Fix & Flip Product 4 (640+ Credit Score)

WITH MONTHLY PAYMENTS

Available: In All 50 States

PROGRAM HIGHLIGHTS

  • ✔ Up to 92.5% LTC & 75% LTV (LTC = Loan To Cost)
  • ✔ 100% of rehab budget with 4-day draws
  • ✔ 13, 19 & 24-month term options
  • ✔ 1 - 4 Units
  • ✔ Loans from $100K to $5M
  • ✔ Rates as low as 8.45%
  • ✔ Defer the payment of your Lender origination fees to when you exit the property

🔢 Leverage Details for Product 4

Fix & Flip Product 5 (600+ Credit Score)

WITH MONTHLY PAYMENTS

🚫 Not available in: LA, MN, MO, NY, SD, ND, Baltimore, Chicago, Detroit, Northern NJ

Program Terms: We provide approval in less than 24 hours. As a direct lender, we have full discretion and the funds on hand to close quickly. We pride ourselves on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.

"No Experience Needed"

Loan Amounts

$100K – $2M

Rates

8.90% – 10.90%

Term

6–18 months (w/ extension options)

Property Types

Residential (SFR & 2-4 Unit)

  • ✔ NO Appraisal Required (on most loans): Save $695 and 30 days!
  • ✔ NO Junk Fees | Points: 2.0% – 3.0%
  • ✔ Minimal Docs required: Basic Biz docs.
  • ✔ Payment: Interest Only , No pre-payment penalty
  • ✔ $1,995 Doc Fee
  • ✔ Financing for purchase and renovation costs
  • ✔ LTC: Up to 93% (90% of Purchase, 100% of Rehab)
  • ✔ LTV: Up to 75%
  • ✔ Quickest draw process in the industry
  • ✔ Nationwide (see excluded states)

🧮 Fix & Flip Product 5 – Leverage Example

Let’s walk through a sample deal using this product:

  • Purchase Price: $300,000
  • Rehab Budget: $75,000
  • Total Project Cost (LTC Base): $375,000
  • After Repair Value (ARV): $500,000

🔢 Leverage Guidelines for Product 5

Fix & Flip Loan Product 6 (640+ Credit Score)

WITH MONTHLY PAYMENTS

Available: In All 50 States

Loan Features

  • Approval And Terms In 24 Hours
  • Single Family Residential And Multifamily (2–6 Units)
  • Private Loans From $100K–$1.5M
  • No Appraisal Needed
  • 6–12 Month Terms
  • No Junk Fees

Fix & Flip Product 7 (No Credit Check!)

WITH MONTHLY PAYMENTS

Only offered in GA/TX/AZ/CO/TN

No Appraisal

No Credit Check

10% to 20% down

3 Comps sold in the last 180 days

Need Inside / Outside Pics

Fix and Flip NO MONEY DOWN Product 8 (600+ credit score)

WITH MONTHLY PAYMENTS

Only Available in– AL / AK / GA / IN / MO / NM / OH / TN / TX

No Bankruptcy or Foreclosure in the last 5 yrs.

Loan Details:

• Pay for Taxes, Title, & Lender Fees

  • No Prepayment Penalties
$0

Down Payment

No money down

$15K

Bank Account

Show $15,000 in Bank acct. (No seasoning. No care where the funds come from.)

$100K

Minimum Loan

Minimum Loan $100K to Max $2.5 million

Fix and Flip NO MONEY DOWN Product 9 (740+ credit score)

With Monthly payments

Available: In All 50 States

• Minimum Loan $100K to Max $500K

• Rehab not to exceed 50% of purchase price

• Property type: 1–4 unit residential only

• ❌ No rural properties allowed

• Up to 90% Loan to Cost

• Must not exceed 70% ARV

🧮 Fix & Flip Product 9 (No Money Down) – Leverage Example

Let’s assume the investor is working on this property:

  • Purchase Price: $250,000
  • Rehab Budget (Max 50% of Purchase): $125,000
  • Total Project Cost (LTC Base): $375,000
  • After Repair Value (ARV): $535,000

🔢 Leverage Guidelines for Product 9

💼 DSCR Loans & 100% Investor Financing Flexible Capital Solutions for Real Estate Investors (680+ credit score)

With Monthly Payments

Available: In All 50 States

🏠 Who It's For Credit Score: 680+ (Best rates at 720+)

New & Experienced Investors Welcome

Experienced investors can use HUD statements as proof.

1

What is a DSCR Loan?

A DSCR Loan (Debt Service Coverage Ratio) is a powerful financing option for real estate investors who want to leverage rental income without providing tax returns, W2s, or personal income verification. Key Features: ✅ No Tax Returns / No W2s / No DTI Required

2

Close in as little as 20 days

3

Use Rental Income to Qualify

4

Cash-Out Refinance Options Available

✅ Rates starting at 6.5% (credit-based) Still pricing at just 1.5 points

📊 How It Works – DSCR Formula

The DSCR is calculated using: DSCR = Net Operating Income ÷ Debt Payments To qualify, your DSCR score should be 1.05 or higher. A property is considered cash flowing if the rental income covers or exceeds the mortgage payment.

Example 1 – Pass: Purchase Price: $200K

Rent: $2,000/month

Mortgage: $1,400/month

DSCR = 2000 ÷ 1400 = 1.43 (Pass)

Example 2 – Fail: Purchase Price: $170K

Rent: $1,200/month

Mortgage: $1,400/month

DSCR = 1200 ÷ 1400 = 0.86 (Fail)

Property Types:

Single-family

2–4 units

Multi-family

Short-Term Rentals / Airbnbs

Loan-to-Value (LTV): 80–85%

5+ units require 20% down

Stabilized Bridge: Up to 70% LTV

🔁 Cash-Out Refi Example

Own a free & clear property? You can pull equity with a cash-out DSCR refi and walk away from the table with no money down. Case Study: Property Value: $140K

Needed Repairs: $50K

LTV Refi @ 75% = $105K

Funds are pulled from the equity—no personal funds needed.

🟣 100% Financing for Elite Investors

Unlock 100% financing when you meet these criteria: Requirements: 750+ Credit Score

$150K Liquid in the Bank

5+ Investment Properties (Fix & Flips, Buy & Hold, Short-Term Rentals, etc.)

Example – Sam qualifies: 750+ Credit Score

$150K Liquid

5 Properties

✅ Sam gets 100% financing. You can too.

⏳ Move Quickly — Lock in Rates

Rates range from 6% to 9% and change daily based on the market. To secure your rate: Submit your documents within 3 days

Avoid delays that could lead to missed opportunities

📞 Ready to Qualify? Book a consultation or start your application today. Let us structure the perfect deal for your next cash-flowing asset.


Ground Up Construction Program (640+ credit score)

With Monthly Payments

Available: In All 50 States

Key Features

  • New floor pricing is 10.5% interest only payments (previously 12%) — based on experience.
  • Loan to Cost: Up to 85%

Requirements

(only one of the following must apply)

  • At least 1 prior ground-up build in the last 36 months
  • OR at least 2 ground-up builds completed over any time frame
  • OR a licensed builder who has completed at least 2 builds for other clients

Details

  • Property Type: 1–4-unit residential properties only

  • Loan Structure: Interest-only during construction
  • Closing Timeline: 8–10 business days

Process

  • Documentation: Streamlined process, minimal documentation required

  • Draws: Based on completed construction milestones with funds held in escrow

  • Inspection: Required before each draw disbursement

  • No tax returns or income verification typically required

  • Soft credit pull in most cases