Fix & Flip, Rehab & Construction
Fast, flexible capital for the purchase and rehab of single family, 1-4 unit, non-owner occupied properties, plus ground-up construction. We pre-underwrite before you put up earnest money, so you can make offers with confidence and close when timing is critical.
- Purchase and rehab in one loan
- Rehab funds up to 80-100% of the construction budget
- Construction and new build financing
- Draw process built for real timelines
Typical terms
- Property1-4 unit, non-owner occupied
- Loan term6 to 12 months
- Rehab funding80-100% of budget
- Max on ARVUp to 70%
- Rates8.5% to 12%
- OriginationAbout 2%
- Prepay penaltyNone
- ClosingAs little as 3 days (TX)
DSCR Rental Loans, No Tax Returns
Long-term financing for tenant occupied single family, 1-4 unit properties, qualified on the property's income instead of your personal tax returns. Ideal for scaling a rental portfolio without the usual paperwork.
- Qualify on rent, not W2s or tax returns
- 30-year terms for predictable cash flow
- 75-80% LTV
- Great for the refinance step of a BRRRR
Typical terms
- Property1-4 unit, tenant occupied
- Term30 years
- LTV75% to 80%
- Qualifies onProperty income (DSCR)
- Tax returnsNot required
- Best forBuy and hold, BRRRR refi
Conventional Home Loans
When a deal fits a conventional program, we place it there to get you the best available terms. Full and limited documentation options for the loans that qualify.
- Conventional, FHA, VA, and Jumbo options
- Full or limited documentation available
- Best rates for qualifying borrowers
- Straight guidance on which program fits
Typical terms
- ProgramsConventional, FHA, VA, Jumbo
- DocumentationFull or limited
- Best forBorrowers who qualify conventionally
- GuidanceWe tell you where it fits
Simple by design
From deal to funded in four steps.
Run the numbers
Use the free Deal Analyzer, or send Mike the address.
Get prequalified
We pre-underwrite before you put up earnest money.
Lock your terms
24 hour turnaround, built around your specific deal.
Close fast
As little as 3 days in Texas. On time, every time.
Good to know
What you will want ready.
Credit
Minimum 640 credit score. Recent credit events are weighed heavily.
Cash to close
Plan for 20-25% of total project cost across down payment, closing, interest, and reserves.
Loan size
Minimum loan amount of $75,000.
Not sure if your deal fits? Get prequalified or call 214-912-4531. We will tell you fast.
Have a deal in mind?
Send us the address and we will tell you quickly whether we can fund it and on what terms. New clients: $500 processing fee waived.