Frequently Asked
Questions

We work with real estate investors, brokers, developers, and property owners across Pennsylvania, New Jersey, and nationwide. Whether you're a first-time investor or managing a large portfolio, we structure financing around your deal and goals.

Yes. Most of our loan programs support LLC ownership, allowing investors to keep assets inside their entity structure. This is especially common with DSCR and bridge loans. Let us know your ownership structure when submitting your deal.

We have strong roots in most states and work with lending partners nationwide. Submit your deal with the property location and we'll confirm coverage for your market.

Most programs require a minimum credit score of 620. Better terms and pricing are typically available at 680–700+. For bridge and asset-based loans, deal strength and property value can carry significant weight alongside credit.

DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies you based on the property's rental income relative to its monthly debt payment — not your personal W-2 income or DTI. A DSCR above 1.0x means the property generates enough income to cover the loan payment.

Most programs require a minimum DSCR of 1.0x to 1.25x, depending on the lender and property type. A higher ratio means better terms and easier approval. Some programs allow sub-1.0 DSCR with compensating factors — submit your deal and we'll find the right fit.

No personal income documentation is required for most DSCR programs. Qualification is based on the property's cash flow. This makes DSCR loans ideal for self-employed borrowers, business owners, and investors with complex income structures.

Yes. DSCR loans are available for purchase, rate/term refinance, and cash-out refinance. Cash-out can be used to fund future acquisitions, reinvest in renovations, or pull equity from stabilized rentals.

Eligible property types typically include single-family rentals, 2–4 unit properties, warrantable condos, and short-term rentals (Airbnb/VRBO in many markets). Multi-unit and portfolio scenarios are also available — contact us for specifics.

Most fix & flip loans close in 7–14 days from approval. In some cases, we can move faster. Speed depends on the completeness of your submission — the more detail you provide upfront, the faster we can move.

Rehab funds are released in draws as work is completed. After each inspection confirms progress, the next draw is released. This protects both the borrower and lender and ensures capital is available at each stage of the renovation.

Fix & flip loans are typically available up to 85% of total project cost (LTC) and up to 70% of After Repair Value (ARV). The lower of the two thresholds applies. Strong borrower track records and deals can access higher leverage.

Yes. We consider first-time flippers with strong deals, sufficient down payment, and a credible renovation plan. Having a licensed general contractor and a realistic ARV estimate helps significantly. Submit your deal and we'll review your specific scenario.

Many fix & flip programs carry no prepayment penalty, allowing you to sell and pay off early without penalty. Some programs may have short prepayment terms — we'll disclose this clearly when presenting your term sheet.

Bridge loans are short-term financing solutions for time-sensitive real estate situations — buying before you sell, stabilizing a vacant property, closing a 1031 exchange gap, winning an auction purchase, or transitioning to permanent financing. They bridge the gap between where you are and where you need to be.

Bridge loans typically run 6 to 24 months. Extensions are available on most programs. The loan is structured around your intended exit — sell, refinance, or stabilize — not a rigid repayment schedule.

Bridge loans are typically available up to 75% LTV based on current or stabilized value. Some programs may go higher depending on the asset, borrower strength, and exit strategy. Submit your scenario for a specific review.

Yes — most bridge loan programs are structured as interest-only during the bridge period. This preserves your cash flow while the property is being stabilized, renovated, or sold. No principal is due until payoff.

The easiest way is to submit your deal online or call us directly at (215) 654-3075. Share the property address, loan amount needed, your timeline, and your exit strategy. The more detail you provide, the faster we can respond.

We review every scenario and aim to respond with preliminary terms within 24–48 hours. For time-sensitive deals, call us directly and we can often turn around feedback the same day.

Requirements vary by loan type, but generally include: property address and details, purchase contract (if applicable), estimated value or appraisal, rent rolls or lease agreements (for DSCR), rehab scope and budget (for fix & flip), and basic borrower information. We'll guide you through the full list once we review your scenario.

Typical closing timelines: Bridge & Fix/Flip: 7–14 days from approval. DSCR Rental: 20–30 days. Closings can move faster when documentation is complete and there are no title issues. We work on your timeline — not a bank's.

There are no fees to submit your scenario or receive a term sheet. Standard closing costs and origination fees apply at closing and will be fully disclosed in your term sheet upfront — no surprises.