Loan Programs

💡 Short-term financing for commercial properties or land acquisitions/development in California, often for value-add or transitional assets.

💡 Shovel-ready or entitled land for residential or commercial development in high-growth areas.

💡 A-paper credit. Speed. BPO. No sourcing downpayment. 2 flips/36mo experience. No foreign nationals.

💡 Stabilized single-family, 2-4 unit, or small multifamily rental properties with strong cash flow, suitable for long-term hold.

💡 New construction projects in established markets with experienced builders and strong pre-sales or rental demand.

💡 Commercial properties needing quick acquisition, repositioning, or cash-out for business purposes, with a clear exit strategy.

💡 New construction or major renovation of residential properties with a clear path to sale or refinance.

💡 Non-owner occupied property needing quick acquisition or refinance, with a defined plan for stabilization or sale within 12-24 months.

💡 New construction of SFR or 2-4 unit properties in established residential areas with strong demand, undertaken by a seasoned builder/investor.

💡 Properties needing quick acquisition, repositioning, or short-term capital before permanent financing or sale. Includes non-stabilized assets.

💡 New construction projects in established markets with experienced builders and strong pre-sales or rental demand.

💡 Single-family residential properties needing light to moderate renovation, with a clear path to resale within 12-18 months.

💡 Value-add commercial properties (retail, office, mixed-use, multifamily 5+) requiring repositioning or lease-up, with a clear exit strategy to permanent financing.

💡 Stabilized single-family rental or small multifamily with a DSCR ratio of 1.1x or higher, strong market rent, and good condition.

💡 Stabilized single-family, 2-4 unit, or small multifamily rental properties with strong cash flow and market rents.

💡 True wholesale lender. Exposure LOC product. Min $50K / 660 FICO. YSP available (not on F&F). Table funding available.

💡 Stabilized or near-stabilized rental properties with strong cash flow and experienced landlords seeking long-term financing.

💡 Stabilized, income-producing residential investment properties with strong cash flow, suitable for long-term hold strategies.

💡 Single-family or 2-4 unit property requiring renovation with a clear ARV and strong local market demand for resale.

💡 Experienced builder developing new residential or small multifamily properties in established markets with strong demand.

💡 SFR or 2-4 unit property in a strong urban/suburban market with clear renovation scope and exit strategy, backed by an experienced investor.

💡 RTL, DSCR, Fix & Flip, Ground-up. First time investors OK with leverage limits. Min FICO 680.

💡 New construction specialist. Table funding available. YSP available.

💡 Value-add commercial properties, distressed assets, or situations requiring quick capital for acquisition or stabilization.

💡 Ground-up construction projects in California with strong developer experience, clear plans, and a viable exit strategy upon completion.

💡 Ground-up construction of single-family homes, townhomes, or small to mid-sized multifamily projects in growing markets.

💡 Properties needing quick acquisition, repositioning, or cash-out for other investments, with a clear plan for stabilization or sale.

💡 Rehab / Fix & Flip specialist.

💡 Single-family or 2-4 unit properties in desirable areas requiring rehab, with a clear resale strategy.

💡 Experienced developers building new commercial or residential projects with strong market demand.

💡 Entitled or near-entitled land in growth markets with a clear development or resale strategy.

💡 Ground-up construction projects for residential, multifamily, or commercial properties in California with experienced developers and strong project economics.

💡 Ground-up construction or significant renovation project in California with a clear scope, budget, and experienced sponsor.

💡 Properties needing quick acquisition, repositioning, or cash-out for other investments, with a clear plan for stabilization or sale.

💡 Properties needing quick acquisition, repositioning, or cash-out for other investments, with a clear path to stabilization or sale.

💡 Ground-up specialist. Strong rates. Interest reserves using ARV. C-paper borrowers. YSP available.

💡 Stabilized small balance commercial properties (multifamily 5+, retail, office, light industrial) with consistent cash flow and strong sponsorship.

💡 New residential or commercial development projects in growing markets with experienced builders and pre-sale/lease strategies.

💡 Entitled or near-entitled land in growth markets with a clear development or resale strategy.

💡 Distressed residential properties in good submarkets with clear value-add potential and strong after-repair values.

💡 Investment property in California with strong equity, requiring quick funding for acquisition or to bridge to permanent financing.

💡 Properties requiring light to moderate renovation, lease-up, or repositioning, with a clear plan for stabilization and refinance or sale within 12-24 months.

💡 LTR/STR DSCR specialist. White label program. Fast closings. No appraisal. YSP available.

💡 SFR or 2-4 unit property in a desirable market with clear value-add potential and a strong resale market.

💡 Value-add commercial or multifamily properties needing quick capital for acquisition, stabilization, or repositioning prior to permanent financing.

💡 Ground-up construction of single-family or small multi-unit properties by experienced builders in desirable markets.

💡 Stabilized income-producing commercial properties seeking long-term financing or refinancing.

💡 SFR or 2-4 unit property in a desirable market with clear value-add potential and a strong resale market.

💡 Equity-rich properties in California needing quick capital for acquisition, refinance, or light renovation with a clear exit strategy within 1-2 years.

💡 Low FICO (600+), rural OK, ITIN OK, foreign nationals OK, first-time investors OK, mid-construction OK. 90% LTV + 100% rehab.

💡 Stabilized or near-stabilized residential rental properties (SFR to small multifamily) with strong cash flow covering debt service.

💡 Foundational lender. Large footprint. B-paper. Min FICO 680. Own primary/1 rental/1 flip within 12mo experience.

💡 Residential or commercial new construction projects with strong market demand and experienced builders.

💡 Ultra-fast closings. No FICO. No appraisal. ITIN OK. Land loans. Major MSA only. D-paper borrowers OK.

💡 Single-family or 2-4 unit properties in need of light-to-moderate renovation, with a clear path to resale within 12-18 months.

💡 Single-family or 2-4 unit property in a desirable market with clear value-add potential and a strong exit strategy.

💡 Residential properties acquired for renovation and subsequent rental, with strong rental market demand and clear refinance potential.

💡 West Coast only. Discretionary/case-by-case. No min FICO. Up to 90% cross-collateralization. BPO accepted sometimes.

💡 Ground-up construction of 1-4 unit residential properties in desirable areas, with experienced builders and strong market demand.

💡 Lower rate end. D-paper borrowers. 2% origination as exit fee option. Min FICO 650.

💡 Quick closings. First time investor friendly. Min FICO 660. No rural. Desktop appraisal <$750k. Appraisal reassignment OK.

💡 Short-term financing for properties needing quick acquisition, repositioning, or stabilization before conventional financing. Strong equity position is key.

💡 Value-add residential property (SFR, 2-4 unit, small multifamily) in a growing market, requiring light to moderate renovation, with a clear plan for stabilization and exit.