We are a commercial lender that provides attractively priced debt financing to residential real estate investors. We offer low cost Credit Lines to acquire properties and 5 or 10-Year Term Loans to finance stabilized rental portfolios. Our loans range from $500,000 to $100 million. Whether your strategy is to Fix and Flip, Buy and Hold or both, we have solutions for you.

We offer Credit Lines and Term Loans. We have two types of Credit Lines: Entrepreneurial Lines sized between $500,000 to $3 million and Institutional Lines ranging from $3 to $50+ million. Our Term Loans are fixed rate loans with either 5 or 10-year terms. We have non-recourse and recourse options for borrowers.

We lend on single family homes, condos, townhouses, 1-4 unit residences and small multi-family assets.

We are a commercial lender that lends to Limited Liability Corporations (LLCs) and not directly to individuals. Our borrowers use the proceeds from our loans to finance their real estate businesses whereas residential home loan borrowers use their proceeds to finance a primary residence.


Our borrowers range from those who have fixed/flipped a couple homes to those who manage hundreds of rental properties. We have loans tailored to different borrower experience levels and funding needs.

Yes. Because we are a commercial lender, you will need a Special Purpose Entity (typically a Limited Liability Corporation, or LLC) for your loan. If you don’t have one, no need to worry—it is typically a very straightforward process and our team can assist you.

Our Term Loans are for stabilized rental portfolios with leased homes. Typically this means that nearly all homes are leased or in the process of being leased when the loan closes. Several of our borrowers take advantage of our Credit Lines to purchase and aggregate properties until they are mostly leased and can be financed with a Term Loan.

Yes. Foreign nationals are an important part of our business.

We do not have a minimum credit score threshold. Instead, we look at a borrower’s overall credit profile, track record and liquidity.

Please complete our website application, email us at [email protected] or call us at 844-223-2231 to get started.


Yes, we work extensively with brokers and are always looking for new relationships. We have referral programs that enable brokers to earn meaningful compensation.

In most states, no. For specific information related to your state, please contact us directly.

Please complete our website "Contact Us" form, email us at [email protected] or call us at 844-262-8177 to get started.


Yes, we offer both recourse and non-recourse term loans. Recourse loans are guaranteed by the individual or operator. Non-recourse loans are secured only by the underlying real estate of the borrower, with certain exceptions such as such as fraud and bankruptcy.

Yes. Many of our borrowers take advantage of this feature.

We finance certain rehab expenses under our Institutional Credit Lines. At this time, we do not offer ground up construction but we are evaluating this feature. Check back soon!

The debt service coverage ratio (DSCR) is the relationship of a property's annual net operating income (NOI) to its annual mortgage debt service (principal and interest payments). For Term Loans, we use DSCR to determine how large of a Term Loan can be supported by the cash flow generated from a borrower’s portfolio.

Loan-to-Value (LTV) is the relationship of the size of the loan to the current value of the properties supporting the loan. We use LTV to determine the size of a Term Loan and the advance proceeds for Credit Lines.

Yield maintenance is a form of prepayment penalty that only applies if the borrower pays off the loan before a predetermined date. If applicable, the payment due is the present value of remaining future interest payments over the balance of the loan term.

Most of our Term Loans amortize based on a 30-year schedule. We also have Interest Only options available.

For our Term Loan products, we require a minimum of 5 units.

For our Term Loan and Credit Line products, we typically require a minimum loan amount of $500,000.

We offer fixed interest rates on all products.

The outstanding balance is due at the maturity date. This is often referred to as a “balloon” payment.

We have state specific insurance requirements for both property and commercial liability. Contact us for specific requirements regarding your portfolio assets.

For Term Loans, we require reserves for taxes, insurance and capital expenditures.


We usually respond back to potential borrowers with a term sheet in 4-7 days.

Most of our Term Loans close within 30-45 days. Our Credit Lines typically close within 14-21 days.

We try to close transactions as quickly as possible, often times this means we work with borrower title/escrow companies.

Yes. Borrowers can self-manage their own properties or use 3rd party property managers.

Back to Top