Est. 2024 · Dover, DE · Capital for operators
Real estate capital, underwritten by people who close.
We finance operators, not files. DSCR, fix & flip, ground-up, bridge, and same-day transactional capital — sized to the deal, decided by underwriters who’ve sat on your side of the table.
What we do
Three things, done by the same desk that approves the wire.
Investor mortgages, structured to the deal.
DSCR for buy-and-hold. Fix & flip and bridge for rehab. Ground-up construction with draw schedules. Term sheet inside 48 hours.
Same-day transactional capital.
Up to $1.5M wired the day of close. For double-closes, novations, and earnest-money holds when the wholesale clock is the only clock that matters.
A coordinator on every file.
$499 flat. We run the closing — title, payoff, insurance, lender liaison — so you stop chasing emails and your deals close clean.
How we underwrite
The deal makes the loan, not the file.
We’d rather price the property correctly than pretend the borrower is a credit score.
Most lenders price risk by running a checklist on the borrower — FICO, DTI, two years of W-2s — and call the rest asset-based. We do the opposite. The asset is the analysis. ARV, exit, comps, sponsor track record on this product. The borrower exists, but the deal is what we actually fund.
That’s why our underwriters are operators — people who’ve flipped, built, and held real assets. They read your scope of work the way you wrote it, and they tell you on the first call whether your number works.
One file. One desk. One decision.
How a file moves
Four conversations between “hello” and the wire.
01 / Conversation
Same day
One call with an underwriter. We pressure-test the deal — ARV, exit, scope, capital stack — before any docs change hands.
02 / Term sheet
Inside 48 hours
Rate, points, LTC, LTV, hold-back, draw schedule. Written. Signed both ways. No verbal indications that vanish at closing.
03 / Underwriting
Five business days
Appraisal, title, entity docs, insurance binder, scope sign-off. Coordinated by us, not chased by you.
04 / Close
Day 10 (or sooner)
Wire is sent the morning of close. Construction draws start the same week if you want them.
The capital stack
Five products. One desk. Sized to the deal, not the borrower.
| Product | Best for | Close | Terms |
|---|---|---|---|
| DSCR Long-term rental, no income docs. | Stabilized buy-and-hold, 1–8 unit residential. | ~20 days | 30-yr fixed or interest-only · Up to 80% LTV · LLC vesting |
| Fix & Flip Acquisition + rehab, asset-based. | Single-family or 2–4 unit rehab projects. | 10 days | 12–18 month term · Up to 90% LTC, 75% ARV · Draw schedule |
| Bridge Gap capital between exits. | Quick acquisitions, 1031 timing, refi seasoning. | 10 days | 6–24 month term · Up to 75% LTV · Interest-only |
| Construction Ground-up, draw-schedule funded. | Experienced builders, single-family or small multifamily. | ~14 days | 12–24 month term · Up to 85% LTC · Monthly draws |
| Transactional Same-day capital for back-to-back close. | Wholesalers, double closes, novations, EMD. | Same day | 1–3 day hold · Up to $1.5M · From 1.5% |
From the file room
They underwrote in a single call, sent the term sheet that night, and we closed nine days later. We’ve done seven deals together since.
Operator · Sample placeholder, ready to swap with a real client quote.
The speed argument
Most lenders are slow because they want to be. We aren’t, because we can’t afford to be.
| First Nation Fidelity | Traditional bank | Average hard-money lender | |
|---|---|---|---|
| Term sheet | Inside 48 hrs | 2–4 weeks | 3–7 days |
| Fix & flip / bridge close | 10 days | N/A | 21–30 days |
| DSCR close | ~20 days | 45–60 days | 21–30 days |
| Same-day transactional | Up to $1.5M | — | Sometimes |
| Underwriter on the call | Yes | No | Sometimes |
| Coordination on every file | $499 flat | — | — |
Questions we answer on the first call
Six honest answers, no hedging.
What FICO do I need?
For DSCR, 660+ keeps you in the standard pricing tier; 700+ unlocks our best rates. For fix & flip and bridge, FICO is informational — we underwrite the asset and the sponsor’s track record. We’ve closed deals with sponsors in the high 500s when the deal cleared.
Do you lend to LLCs and first-time investors?
Yes to both. LLC vesting is the default on all investor products. First-time investors get a slightly tighter LTC ceiling and a co-signer or experienced partner on construction deals.
What states do you cover?
We currently lend in 38 states. We’re not in every market — if your deal is in a state we don’t cover, we’ll tell you on the first call and refer you to a desk we trust.
What are your rates?
Rate is a function of the deal, not a posted sticker. DSCR pricing currently ranges in the high 6s to low 8s depending on FICO, LTV, and DSCR ratio. Fix & flip and bridge are priced as a rate-plus-points combo. We send a written term sheet before you commit anything — no bait, no last-minute resets.
Do you fund foreign nationals?
Yes, on DSCR and bridge. Foreign nationals provide a comparable banking history, ITIN where available, and an LLC vested in the U.S. Pricing carries a 50–100bps premium versus domestic.
What happens if my deal goes sideways mid-construction?
You call us. We’ve restructured draws, extended terms, and bridged construction-to-permanent more times than we’ve foreclosed. Our default first move is to keep the deal alive. We’re not a hedge fund — we don’t want your asset, we want a clean exit.
Bring us a deal.
One call with an underwriter. We’ll tell you on the first conversation whether your number works.