Loan Services

That's a multifamily bridge. Agency won't move that fast and won't fund the renovation. Bridge buys you the runway to do the work and stabilize, then you refinance out.

That's a DSCR rental loan. The property's cash flow qualifies the loan, not your W-2 or your Schedule E. Write-offs that kill you on a conventional application don't matter here.

That's ground-up construction with a takeout plan. The draw schedule and the exit get underwritten together, so you're not scrambling for permanent financing while you're still framing.

That's a commercial bridge. The lender underwrites where the rent roll is going, not just where it sits today. That's the difference between getting a quote and getting a no.

That's a bridge cash-out. Short-term, secured by the asset, priced for speed rather than for a thirty-year hold.

That's fix-and-flip / RTL. Honestly, if your lender is taking five weeks you're losing deals you never hear about. Speed is the product.

Short-term financing for buying, rehabbing and selling, or for building new. Lenders underwrite the purchase price, the rehab budget and the after-repair value, plus your track record. Rehab money comes in draws against completed work, so budget accuracy matters more than most first-timers expect. Terms usually run 12 to 24 months, interest-only. Build-to-rent falls here too, with a DSCR takeout lined up at the end.

First-time flippers are fundable. The file just has to be tighter, and the contractor bid has to be real.

Full breakdown on the fix-and-flip and construction loan page.

Short-term capital for when the timing doesn't line up. Acquisitions on a deadline, partner buyouts, cash-out against equity you already have, or holding an asset through a transition. Underwriting is asset-first. The lender wants to know what the property is worth, what your plan is, and how you're getting out.

The exit is the part people underprepare. A bridge loan without a credible takeout is how borrowers end up extending at a worse price. We'd rather have that conversation up front.

More detail on how bridge loans work.

Acquisitions, rehabs, repositioning and special-use assets. Office, retail, industrial, mixed-use, self-storage, hospitality. This is where a broker earns their keep, because commercial credit boxes vary enormously between lenders and the same file can get a no from one desk and a competitive quote from the next. Deals not ready for permanent financing live here.

Deeper on commercial real estate financing.

Five units and up, including portfolios. Bridge and renovation capital for value-add plays, lease-up, and properties that don't yet qualify for agency debt. Lenders look at in-place rents, the renovation plan, the rent comps you're underwriting to, and whether your operator has done it before.

Most of these end in an agency or bank refinance. Planning that exit at the start changes what the bridge should look like.

The multifamily lending page covers underwriting and exits.

Long-term financing on the property's income rather than yours. No tax returns, no employment verification. The lender divides the rent by the debt service and that ratio drives the decision. Fixed rate or interest-only, and it works for single properties or a blanket loan across a portfolio.

This is what lets investors keep buying after conventional lenders tell them they've hit their limit.

See DSCR rental loans for ratios and portfolio options.

We read the file and come back with questions, usually same day. Once it's complete it goes out to the desks whose credit box fits. Term sheets come back over the following days and we walk through them with you, including the parts lenders don't volunteer. You pick. Then we manage it to closing.

Depends on the program and on how fast you get documents back. Bridge and RTL deals close in weeks rather than months when the file is complete. The delay is almost never the lender. It's usually a missing rehab budget or an appraisal nobody scheduled.

Fee structure gets laid out in writing before you're asked to commit to anything. No surprises at the closing table.

No. We start with a soft pull, and we don't blast your file across the market. It goes to the specific desks whose credit box fits the deal.

Tell us early. Non-warrantable condos, foreign national and ITIN borrowers, self-storage, assisted living, properties banks won't touch. A lot of what we place is exactly the stuff that got declined somewhere else. What kills a file isn't the complication, it's finding out about it in week three.

We place deals nationally. State-specific guides are linked below if you want local detail before you submit.

No. Business purpose and investment property only.