🏠 Fix & Flip Loans: Your Ultimate Real Estate Investment Tool 💰
Step into the world of effortless real estate financing with our Fix & Flip Loans, the ultimate financier for savvy property investors. This tailored financial product is designed specifically to cater to your real estate refurbishing ambitions – whether you aim to transform and resell for a tidy profit or refinance and expand your rental portfolio. 🏘️
**Unleash the Investor Within**
Our Fix & Flip Loans are much more than mere funding solutions. They're your ticket to raw creativity and profit in the real estate arena. Leap into action, purchase that diamond in the rough, renovate it, and flip it for a substantial profit or keep it as a fruitful long-term investment.
🎯 Key Features
✅ No Application Fee: Why pay to apply? We firmly believe in your investment vision, so kickstart your property venture with zero application fee.

✅ No Income Verification: Leave the paperwork behind! Our Fix & Flip Loans come with the freedom of no income verification.
✅ No Appraisal: Cut out the middle man. Enjoy the option of no appraisal if your scenario qualifies.
✅ Streamlined Process: We value your time. That's why we've designed a clear, hassle-free loan process for you.
✅ Quick Closings: Say goodbye to lengthy waiting periods. We promise swift closings so that you can hit the ground running.
✅ Personalized Pricing: We tailor our prices to suit each individual's unique situation.

✅ Up to 95% of Purchase Price
✅ 100% Rehab Cost: Unleash your renovation dreams! Our loans cover 100% of your rehab cost, empowering you to totally transform your property.
🔥 Benefits That Set Us Apart

🚀 Swift and Efficient: Transform your property ambitions into reality swiftly with our quick closing loan process.
💸 Financial Freedom: Experience the ease and transform Your Real Estate Dreams into Reality with Fix & Flip Loans!

Short-term financing for building new homes or major renovations. These loans cover costs during construction, with flexible draw schedules and competitive rates tailored for builders and developers.

Bridge Loans - Investment Property

A bridge loan for an investment property is a short-term, asset-backed loan that provides quick financing for real estate investors. This type of financing is designed to "bridge the gap" when an investor needs to act fast on a deal before they have secured long-term funding. Bridge loans are commonly used in time-sensitive situations like fix-and-flip projects or buying a new property before an existing one sells. 

Key characteristics

Short-term: Bridge loans typically last from 6 months to 2 years.

Asset-based: Qualification is primarily based on the value of the property rather than the borrower's personal income or credit score, though these are still considered.

Quick closing: Bridge loans are known for their fast approval and funding process, with some available in as little as 48–72 hours.

Higher costs: They typically come with higher interest rates and fees than conventional loans due to the increased risk and speed.

Interest-only payments: Many bridge loans have interest-only payments during the loan term, with the full principal due as a balloon payment at the end.

Exit strategy required: Lenders always require a clear repayment plan, such as selling the property or refinancing into a long-term mortgage. 

Common uses for investment properties

Fix-and-flip projects: Investors use a bridge loan to quickly purchase a property that needs repairs. The loan covers acquisition and renovation costs, and the loan is repaid from the sale of the renovated house.

Buy-and-hold rentals: Bridge loans can fund the purchase and stabilization of a distressed rental property. Once the property is renovated and generates stable rental income, the investor can refinance into a lower-interest, long-term loan.

Secure competitive deals: In a hot real estate market, a bridge loan allows an investor to make an offer without a sale contingency, making their bid more attractive to a seller.

Acquisition of commercial real estate: Commercial developers may use a bridge loan to quickly acquire a property while they finalize arrangements for a permanent financing solution. 

Forget about complex requirements. There’s no need for income verification, tax returns, or financial statements. All you need is a credit check and either a down payment or refi equity.

A DSCR rental loan is a financing option for real estate investors that qualifies a borrower based on a property's projected rental income rather than their personal income. DSCR stands for Debt Service Coverage Ratio, which is a metric that compares a property's income to its mortgage payment. Experience stress-free financing today!

Key features and benefits for investors

DSCR Loans available for:

Purchase

Refinance - rate & term - (no cash out)

Cash-Out Refinance - (pulling cash out)

Property-based approval: Qualification depends on the property's performance rather than your personal finances. This is ideal for self-employed investors or those who have significant write-offs on their tax returns.

Faster and simpler process: Because lenders don't need to pore over extensive personal financial documents, the underwriting and closing processes are typically faster than for a conventional loan.

No portfolio limits: Unlike conventional mortgages, which often limit the number of properties a person can finance, DSCR lenders generally do not have a cap, allowing investors to scale their portfolios more easily.

Flexible borrowing options: DSCR loans can often be taken out in the name of an LLC or other business entity, which can help protect the investor's personal assets. 

No W-2’s, No tax returns: Qualify based on your rental income alone, no traditional income verification needed.

Paperwork: Minimal – No personal income verification, No tax returns

Approval process: Based on rental income (or potential rental income) of the property

Down Payment: Up to 85% LTV

Credit Score: as low as 575

Finance Options:

High LTV

Interest-Only options

Long-term Fixed

ARM rate options

Fast funding

How DSCR rental loans work

Instead of relying on a borrower's W-2s, tax returns, or personal debt-to-income (DTI) ratio, a DSCR loan focuses on the investment property's ability to produce enough cash flow to cover its own debt. The ratio is calculated by dividing the property's annual rental income by its annual debt obligations (principal, interest, taxes, insurance, and any HOA dues). 

Example

If a property's potential annual rental income is $30,000 and the annual loan payment is $24,000, the DSCR is 1.25 ($30,000 ÷ $24,000).

A DSCR of 1.0 means the property's income is just enough to cover its debts.

Finance Your Short-Term Rental Property with DSCR Lending. No Income Verification, No Tax Returns. Qualification based on Property Income, Not Your Income.

A DSCR rental loan is a financing option for real estate investors that qualifies a borrower based on a property's projected rental income rather than their personal income. DSCR stands for Debt Service Coverage Ratio, which is a metric that compares a property's income to its mortgage payment. Experience stress-free financing today!

Key features and benefits for investors

DSCR Loans available for:

Purchase

Refinance - rate & term - (no cash out)

Cash-Out Refinance - (pulling cash out)

Property-based approval: Qualification depends on the property's performance rather than your personal finances. This is ideal for self-employed investors or those who have significant write-offs on their tax returns.

Faster and simpler process: Because lenders don't need to pore over extensive personal financial documents, the underwriting and closing processes are typically faster than for a conventional loan.

No portfolio limits: Unlike conventional mortgages, which often limit the number of properties a person can finance, DSCR lenders generally do not have a cap, allowing investors to scale their portfolios more easily.

Flexible borrowing options: DSCR loans can often be taken out in the name of an LLC or other business entity, which can help protect the investor's personal assets. 

No W-2’s, No tax returns: Qualify based on your rental income alone, no traditional income verification needed.

Paperwork: Minimal – No personal income verification, No tax returns

Approval process: Based on rental income (or potential rental income) of the property

Down Payment: Up to 85% LTV

Credit Score: as low as 575

Finance Options:

High LTV

Interest-Only options

Long-term Fixed

ARM rate options

Fast funding

How DSCR rental loans work

Instead of relying on a borrower's W-2s, tax returns, or personal debt-to-income (DTI) ratio, a DSCR loan focuses on the investment property's ability to produce enough cash flow to cover its own debt. The ratio is calculated by dividing the property's annual rental income by its annual debt obligations (principal, interest, taxes, insurance, and any HOA dues). 

Example

If a property's potential annual rental income is $30,000 and the annual loan payment is $24,000, the DSCR is 1.25 ($30,000 ÷ $24,000).

A DSCR of 1.0 means the property's income is just enough to cover its debts.