The primary and most successful loan programs offered are Lines of credit, rehab & renovation, debt service coverage ratio (DSCR), ground-up, and construction-to-perm.  If you are looking for a specific type of loan and have further questions, send a message with your goals.

Our team offers business, commercial real estate,  personal, private equity, and mortgage loans. The most common options are private equity lending.  The following are the most common goals.   Buying and selling a business, buying material & equipment, payroll, hiring a better team,  investment opportunities, and secondary lending options for commercial real estate.

Under certain circumstances, we can qualify people with credit scores as low as 500.  Income requirements will vary, depending on the loan amount and existing debt-to-income ratio.

Securing a commercial real estate (CRE) loan generally requires a window of one to three months. Though preliminary underwriting can be completed in roughly 14 to 30 days, the total duration is often dictated by the thoroughness of the due diligence phase. This includes mandatory steps like property valuations and environmental assessments, which can slow the progression even if an initial offer is issued quickly.

A business purpose loan is a financing tool meant for growing a company or buying investment real estate. Since they aren’t used for personal or household expenses, they aren’t subject to the same strict regulations as home mortgages, which makes them a faster, more flexible choice for professional borrowers.

For investment property acquisitions, DSCR loans bypass traditional income verification by focusing on the asset’s ability to generate revenue. Qualification is determined by the Debt Service Coverage Ratio, which compares rental earnings to the mortgage payment (including taxes and insurance). Investors can often secure these mortgages without providing personal income documentation, provided the ratio remains at 1.0 or higher.

To secure a fix-and-flip loan, investors need a non-owner-occupied property with significant profit potential after renovations. Successful applicants usually demonstrate a credit score of 620 or higher and have enough cash on hand to cover a 20% to 30% down payment. Because these loans focus on the property’s future value, having a clear construction budget is just as vital as the borrower’s financial standing.

Real estate investment lines of credit—which can be either secured by a portfolio or unsecured—provide on-demand liquidity for rapid acquisitions or property improvements. By leveraging up to 80% of an asset’s value, investors gain a renewable source of funding where they only owe interest on the specific balance they’ve drawn.

Traditional income documentation is not a universal requirement for all mortgage types. Investors and self-employed individuals often utilize “lite-doc” or asset-depletion loans, which prioritize creditworthiness and liquid assets over standard employment letters. While these paths simplify the application process, they usually involve a trade-off in the form of increased interest costs and higher down payment requirements.