Residential Transition Loans (Fix and Flip, Ground-Up Construction, Cosmetic Renovations, and ADUs)
Residential Transition Loans are designed for active real estate investors looking to buy, build, renovate, or reposition residential properties for resale or long-term rental. Whether you are flipping homes, building from the ground up, or adding an accessory dwelling unit, Bancaverse connects you to the right capital faster and with more control.
With one submission, we match your project to private lenders who are actively funding similar deals in your target market. You get multiple offers, professional guidance, and support all the way through closing.
Use Cases We Support
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Fix and Flip
Short-term capital for acquiring, renovating, and reselling homes
Ground-Up Construction
Loans for new builds including single-family homes, townhomes, and small residential projects
Accessory Dwelling Units (ADUs)
Loans for constructing or converting ADUs on residential lots to enhance rental income or property value
Build to Rent
Short-term financing for new construction projects that will convert to long-term rental income
Typical Loan Terms
- Loan amounts from 200,000 to over 10 million
- Up to 90 percent loan to cost
- Up to 75 percent after repair value
- Interest-only payments
- Terms from 6 to 24 months
- Closings within 5 to 20 business days (Depending on Appraisal & Lender)
- No income documentation required
- Available for non-owner-occupied residential properties nationwide
** Final terms vary based on borrower experience, liquidity, and project details.
What Helps Speed Up the Approval Process
To secure faster quotes and stronger offers, we recommend having the following items ready:
- A clear scope of work and detailed renovation or construction budget
- Comparable sales supporting your projected resale value
- A brief track record or resume showing previous projects
- A current personal financial statement or bank statement
- A defined exit strategy such as resale or refinance
- Photos, floor plans, or basic renderings where applicable
Our team will help organize and polish your file so lenders get exactly what they need to issue offers with confidence.
