Capital that keeps pace with investors who close volume.

Built for volume investors closing 10+ deals a year — including international investors and foreign nationals. DSCR, fix & flip, ground-up, bridge, commercial, and transactional capital, sized to the deal.

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80+ clients served
~$100M in residential deals

What we do

Four ways we help you close.

01 / Lend

Investor mortgages, structured to the deal.

DSCR for buy-and-hold. Fix & flip and bridge for rehab. Ground-up construction with draw schedules.

See the capital stack 02 / Fund

Transactional capital in 1–7 days.

For double-closes, novations, and earnest-money holds when the wholesale clock is the only clock that matters.

Transactional funds 03 / Coordinate

High-power coordination on every file.

High-power transaction coordination and communication throughout the entire transaction, so we lead you to success.

Coordination 04 / International

International lending for foreign nationals.

We serve international investors and foreign nationals with a U.S.-vested LLC. Coverage and structure are confirmed on the first conversation — not guessed from a map.

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The Underwriting Promise

Expert underwriting on every file — as a partner, not a checklist.

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 and call the rest asset-based. We do the opposite. The asset is the analysis. ARV, exit, comparable sales, and sponsor track record on this product.

Our underwriters have sat on your side of the table. They read your scope the way you wrote it, and they tell you on the first call whether the number works. One file. One team. One decision.

The capital stack

The stack — including international files.

Product	Best for	Close	Terms
DSCR Long-term rental, no income docs.	Stabilized buy-and-hold, 1–8 unit residential.	15 days or less	Long-term fixed or interest-only · LLC vesting
Fix & Flip Acquisition + rehab, asset-based.	Single-family or 2–4 unit rehab projects.	15 days or less	Short-term · Draw schedule · Sized to the file
Bridge Gap capital between exits.	Quick acquisitions, 1031 timing, refi seasoning.	15 days or less	Interest-only · Term set to the exit
Construction Ground-up, draw-schedule funded.	Experienced builders, single-family or small multifamily.	15 days or less	Draw schedule · Term set to the build
Transactional Capital for a back-to-back close.	Double closes, novations, earnest-money holds.	1–7 days	Short hold · Sized to the file
Commercial Investor commercial real estate.	Commercial files sized to the sponsor and the asset.	Confirmed on call	Structure set to the file
International Foreign nationals and cross-border sponsors.	International investors using a U.S.-vested LLC on DSCR and bridge.	Confirmed on call	Structure set to the file

Client Success

Investors who already work with First Nation Fidelity.

If you’re an investor looking for a lending partner that really cares and actually delivers, I cannot recommend Lamin and his team enough.

Francesco

Estaba haciendo este video para agradecerte, Lamin, por todo lo que has hecho por mí y mi compañía.

Edwin

He comes highly recommended — connect with my man Lamin. You won’t go wrong.

Kevin

He’s definitely helped me grow and scale my business. Great mentor, great teacher.

Dan

How we compare

Most lenders are slow because they want to be. We aren’t, because you can’t afford to be.

	First Nation Fidelity	Traditional bank	Average hard-money lender
Term sheet	24 hours	Slow	Slower than a first review
Fix & flip / bridge / construction close	15 days	Not typical	Slower
DSCR close	21 days	Slow	Slower
Transactional close	48 hours	—	Sometimes
Underwriter on the call	Yes	No	Sometimes
Coordination on every file	Yes	—	—

Questions we answer on the first call

Six honest answers, no hedging.

What FICO do I need?

For DSCR, credit is one input to pricing. For fix & flip and bridge, FICO is informational — we underwrite the asset and the sponsor’s track record. When the deal clears, we say so on the first call.

Do you lend to LLCs and first-time investors?

Yes to both. LLC vesting is the default on all investor products. First-time investors may need a co-signer or experienced partner on construction deals.

What states do you cover?

Coverage is confirmed on the first call. If we do not cover your market, we will tell you and refer you to a lender we trust.

What are your rates?

Rate is a function of the deal, not a posted sticker. 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 reset.

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 is set to the file.

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.

Guarantees & Warranties

Four operational promises, written the way we work the file.

Scale Warranty

Capital and support that stay with you as volume compounds. We help investors who close volume scale the portfolio — development, commercial, and aggressive fix & flip — not a one-and-done close.

Capital that keeps pace with investors who close volume.

Four ways we help you close.