Quick Eligibility Snapshot
Credit Score
Minimums vary by program
(starting at 660)
Loan Amounts
$30,000 to $20,000,000
(program-specific)
Where We Lend
All U.S. states except AZ, HI, NV, ND, OR, SD, UT, VT
Fix & Flip or Fix2Rent
Standard
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Term: 12–18 months
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Rates: Starting at 8.75%
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Loan Ratio: Up to 95% LTC and 100% rehab
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Loan amounts: $50,000 to $3,500,000
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Portfolio Loan Eligible
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Options: Foreclosure bailouts & cash-out refi for distressed homeowners
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Location: All states except AZ, HI, NV, ND, OR, SD, UT, VT
Standard + Gap Funding
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Rates: Starting at 12%
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Min FICO: 680
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Loan Ratio: Up to 100% LTC (case-by-case)
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If combined LTV > 75%: Cross-collateral required
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Portfolio Loan Eligible
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Location: Same as above
Small note: Rates shown are best-case and subject to approval criteria (FICO, experience, time-in-title, etc.). Non-owner-occupied only.
Earnest Money Deposit & Double Closing
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EMD can be provided within 48 hours of application submission
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No minimum deposit required
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Ability for multiple applications and larger EMD requests to beat the competition
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No personal property collateral required
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Funds wired directly to escrow, providing a fluid and streamlined process
Bridge Loan
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Use when: You’re closing before your final exit (DSCR/conventional refi or property is sold)
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Rates: Starting at 8.75%
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Loan Ratio: Up to 85% LTC
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Loan amounts: $50,000 to $3,000,000
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Portfolio Loan Eligible
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Location: All states except AZ, HI, NV, ND, OR, SD, UT, VT
Small note: Best-case rates; non-owner-occupied only.
DSCR Loans
(1–4 Units, Condos, Townhomes, PUD)
Standard
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Min FICO: 660
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Min DSCR: 1.05
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Loan-to-value: Up to 85%
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Rates: Starting at 5.30%
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Loan amounts: $75,000 to $2,000,000
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Property Types: Single family homes (SFH), 2-4 Unit, Condos, Townhomes and PUD
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Loan Term: 30 years (fixed options)
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Portfolio Loan Eligible
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Location: All US states except Arizona, Hawaii, Nevada, North Dakota, Oregon, South Dakota, Utah and Vermont
Rural Properties (subset)
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Min FICO: 700
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Min DSCR: 1.00
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Amounts: Up to $750,000
DSCR 2nd Lien Rental Loans
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Use a 2nd mortgage rental loan to unlock your rental property’s equity while leaving your current mortgage alone. This will allow
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Credit Score: Minimum FICO score of 680
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DSCR: Minimum debt service coverage ratio of 1.05
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Loan amount: $30,000 to $500,000
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Loan terms: 20,25, or 30 years
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Combined loan-to-value: 85%
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45 days rate lock period
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Location: All US states except Arizona, Hawaii, Nevada, North Dakota, Oregon, South Dakota, Utah and Vermont
Ground-Up Construction
Standard Ground-Up (1–4 Units)
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Up to 70% Loan-to-ARV
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Rates: Starting at 9.99%
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Loan amounts: $50,000 to $3,000,000
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Property Types: 1 - 4 Unit homes
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Portfolio Loan Eligible
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Location: All US states except Arizona, Hawaii, Nevada, North Dakota, Oregon, South Dakota, Utah and Vermont
Modular Home
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Credit score: Minimum 650 FICO score
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Up to 85% LTC
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Up to 65% ARV
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Loan amount: Minimum $300,000
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Location: All US states except Arizona, Hawaii, Nevada, North Dakota, Oregon, South Dakota, Utah and Vermont
Experienced Developer Program
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Up to 90% of project costs
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Experience: Previous real estate experience required: 3+ similar ground-up builds + heavy rehabs with expansion. Professional development / builder.
Guarantors with no experience permitted with experienced guarantor that meets the experience criteria -
Up to 70% Loan-to-ARV
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Full Recourse
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Reserves/Escrows: Minimum 1 month
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Term length: 12-24 months
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Property Types: Non-owner occupied residential 1-4 unit, townhomes, condos
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Property count: 1 to 10
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Location: All US states except Arizona, Hawaii, Nevada, North Dakota, Oregon, South Dakota, Utah and Vermont
Rental Portfolio
Multiple Properties
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Min FICO: 680
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Long-term, fixed-rate portfolio financing
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LTV: Up to 80% (purchase/refi); 75% on cash-out
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Rates: Starting at 6.05%
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Terms: 30-year fixed; 5/6, 7/6, 10/6 hybrid ARMs (partial IO or fully amortizing)
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Loan amounts: Minimum $55,000 per property & up to $20,000,000 total
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Min DSCR: 1.20
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Min Occupancy: 90% (by value & unit count)
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Collateral: Non-owner-occupied 1–4 family, condos, townhomes, 5–9 unit multifamily
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Minimum property value: 1-unit $75k; 2–4 units $100k; 5–9 units $125k
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Availability: Same state exclusions
