The capital stack
Investor mortgages, structured to the deal.
DSCR, fix & flip, ground-up, bridge, and commercial capital, sized to the deal. Underwritten by people who close. Transactional / same-day lives on Fund transaction.
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 product menu
The stack — DSCR, fix & flip, bridge, construction, commercial.
| 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 |
| Commercial Investor commercial real estate. | Commercial files sized to the sponsor and the asset. | Confirmed on call | Structure set to the file |
on qualified deals
Transactional capital is a separate product on Fund transaction — 1–7 days on qualified deals.
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?
Pennsylvania, Delaware, New Jersey, Maryland, New York, North Carolina, Atlanta, South Carolina, and Florida. If we do not cover your market, we will tell you on the first call.
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.
