Submit Your Deal
Start by filling out our short inquiry form. We need basic information about you, the property, and your loan request. This takes less than five minutes and there are no upfront fees to apply.
- ✓ Your name and contact information
- ✓ Property address and state
- ✓ Loan amount needed
- ✓ Loan type — bridge, fix and flip, or DSCR
- ✓ Brief description of your deal and exit strategy
Get Qualified and Reviewed
Once we receive your inquiry we will review your deal and reach out to discuss the details. We evaluate deals based primarily on the property value and your exit strategy. For DSCR loans we look at the property cash flow. For bridge and fix and flip loans we look at the purchase price, rehab budget, and after repair value.
- ✓ Property evaluation and deal review
- ✓ Confirmation of loan eligibility
- ✓ Discussion of terms and structure
- ✓ Broker fee agreement sent for your signature
Upload Your Documents
Once your deal is approved in principle, you will need to submit your full loan application package. Here is what is typically required.
- ✓ Completed loan application
- ✓ Entity documents — articles of organization, EIN, operating agreement
- ✓ Personal guarantor ID and two years of tax returns
- ✓ Purchase contract or property information
- ✓ Two months of bank statements
- ✓ Insurance binder and title information
- ✓ Rehab scope of work and contractor information (fix and flip)
- ✓ Rent rolls or lease agreements (DSCR loans)
Close and Get Funded
Once your complete package is submitted and underwriting is satisfied, your loan is approved and funded. Closing is handled through a licensed title company. Your broker fee is paid at closing — no hidden fees, no surprises.
- ✓ Underwriting review and final approval
- ✓ Title and closing coordination
- ✓ Funds wired at closing
- ✓ You close your deal and execute your plan
How fast can I get funded?
Timelines vary by deal complexity and how quickly documents are submitted. Once a complete package is received, deals can move to closing efficiently. Speed on your end means speed on our end.
Do I need good credit to qualify?
For bridge loans and fix and flip loans a minimum credit score of 600 is required. For DSCR rental loans there is no minimum credit score — qualification is based entirely on the property cash flow.
Do I need to be an experienced investor?
We work with investors at all experience levels. New investors are welcome. We do look at your exit strategy and the strength of the deal itself.
What states do you lend in?
We lend in the majority of U.S. states. Loans are not available in Nevada, Utah, South Dakota, or Vermont. Some states require additional licensing. Visit our States page for the full list.
Do I need an LLC to borrow?
Yes. All loans are for non-owner-occupied investment properties and must be held in a business entity such as an LLC or corporation. If you do not have one, setting one up is a straightforward process.
Are there any upfront fees?
No upfront application fees. Origination points and fees are disclosed clearly and collected at closing.