Highlights
Fast, flexible financing for 1–4 unit investment properties.
- Minimum Loan Amount: $50K
- Maximum Loan Amount: $5M per unit
- Up to $250M (pre-screen, case by case)
- Development projects welcome; unit counts unlimited
- Up to $250M (pre-screen, case by case)
- Leverage: Up to 90% Purchase + 100% Rehab
- Maximum ARV: 75% ARV cap
- Starting Rate: 9.99%
- Points: 2.00%
- Loan Terms: 12 months
- Extended Terms: 18–24 months (expansions, additions, conversions, ADUs)
- Closing Time: 5 days
- Maximum Closing Time: 20 days
- Minimum Credit Score: 660+ (exceptions case by case)
- Experience Level: Beginner-friendly
- Higher tiers required for rural or complex projects
- Higher tiers required for rural or complex projects
Business-purpose loans only; not for owner-occupied properties. All loans subject to underwriting, appraisal, credit, liquidity, and borrower experience. Rates, terms, and points may vary by project and location, and are subject to change without notice.
- Eligible Properties:
- Non-owner-occupied 1–4 unit residential
- Single Family Homes
- Condominiums
- Townhomes
- Planned Unit Developments (PUDs)
- Ineligible Properties:
- Mixed-use properties
- Multifamily with 5+ units
- Manufactured or mobile homes
- Co-ops
- Condotels
- Leasehold properties
- Cabins or log homes
- Operating farms, ranches, or orchards
- Oil/gas lease properties
- Vacation or seasonal rentals
- Unique, exotic, or highly specialized properties
- Geographic Availability: All U.S. states except VT, SD, ND, NH
- Eligible Borrowers: U.S. Citizens, Legal Permanent Residents (LPRs), select Foreign Nationals
- Loyalty: Repeat borrower discounts