DSCR, fix & flip, ground-up construction, bridge, and same-day transactional. Underwritten by operators, structured to your scope of work, and decided on the first conversation.
If your file is a 1003 and three pay stubs, half the desks in the country can quote you. The deals that lose to "we're not sure" — that's the gap we built this firm to close.
Our underwriters are sponsors who've sat in your seat. They read the scope, the comps, the rehab budget, and the exit. They tell you on the first call whether your number works, and they don't move it after the appraisal lands.
One file. One desk. One decision.
Stabilized buy-and-hold for 1–8 unit residential and small mixed-use. Qualify on the property's rent coverage, not your W-2. LLC vesting is the default, not an exception.
Single-family or 2–4 unit rehab projects underwritten on ARV and scope. Draw schedule that follows the work, not a calendar. Bridge to refi or sale at exit.
Short-duration capital for assets between strategies — recently acquired, mid-lease-up, or exiting a hard money loan that ran out of clock. Refi-ready terms.
Acquisition-plus-construction for SFR, townhomes, small multifamily. Draws against budget line items, GC inspection on each disbursement, rate locks during build.
Up to $1.5M wired the day of close — for double-closings, novations, EMD holds, and proof-of-funds when the wholesale clock is the only clock that matters.
Twenty minutes with an underwriter, not a screener. We read the deal in real time and tell you on the call whether your number works.
Written terms — rate, fees, advance, draw schedule — inside 48 hours of the call. Not "indicative." The actual offer.
Title, appraisal, insurance, scope review, draws structured. Coordinated by a TC who knows the closing attorneys by name.
You show up at the table. Wire goes out. We follow up on the first draw before you ask.
For investor products, 660 minimum is the gate. We've gone lower for sponsors with track records and clean exits. The deal carries weight the file doesn't.
Yes to LLCs — that's the default vesting on DSCR, bridge, and construction. First-time investors qualify if the deal does; we'll spend extra time on scope and exit.
Pennsylvania, Delaware, New Jersey, Maryland, and New York are home base. We have correspondent capacity in another 14 states for select sponsors. Ask on the call.
Off the secondary curve plus a risk premium for sponsor + asset. We'll quote a real range on the first call. We don't tease low and re-trade after the appraisal.
Yes for DSCR. Standard documentation: passport, U.S. bank account or proof of funds, letter of explanation. LTV trims by ~5% on the foreign-national overlay.
We restructure the schedule. Construction goes sideways — we know that. The point of being underwritten by operators is that we plan for the slip, not panic at it.
One call with an underwriter. We'll tell you on the first conversation whether your number works.