Everything you need to understand our programs, our process, and the language of private lending.
Explore each of our financing programs in detail.
From application to funding in as little as 10 days.
Tell us about your deal and property details through a quick conversation.
Our team reviews the scenario and issues a clear, transparent term sheet.
We collect documents, verify key details, and conduct disciplined underwriting.
We coordinate docs, schedule closing, and wire funds so your project can move forward.
Common private-lending terms, in plain English.
A measure of a property's ability to cover its debt payments from its income. A DSCR of 1.0 means rental income exactly covers the loan payment; higher is stronger. DSCR loans qualify borrowers on this ratio instead of personal income.
The loan amount as a percentage of the property's value. A $750,000 loan on a $1,000,000 property is 75% LTV. Lower LTV generally means less risk and better terms.
The loan amount as a percentage of total project cost (purchase plus rehab or construction). Common on fix & flip and construction loans.
The projected value of a property once renovations or construction are complete. Rehab and construction loans are often sized against a maximum percentage of ARV.
Short-term financing used to "bridge" the gap between acquiring or repositioning a property and securing permanent financing or a sale.
The structured release of renovation or construction funds in stages, paid out as work is completed and verified by inspection.
A payment structure where you pay only interest during the loan term, keeping monthly payments lower until the principal is repaid at maturity or refinance.
A written summary of proposed loan terms — amount, rate, leverage, and structure — issued after initial review of your scenario.
Read our frequently asked questions or reach out to our team directly.