Private Lending Nationwide for Real Estate Investors

Rehab
Loans.

Fix-and-flip financing for 1–4 unit investment properties. Asset-based underwriting means we look at the deal — not just your credit score. Interest-only payments, draw schedule tied to renovation milestones, no prepayment penalty.

Request a Term Sheet →How It Works
💰 $75K–$2M Loan Amounts
📈 9.9%–11.9% Rates
🏗️ Up to 90% LTC
📅 6–12 Month Terms
✅ No Prepayment Penalty
Program Terms

Real Numbers.
No Guessing.

Fix-and-flip loans for investors who need fast capital, flexible terms, and a lender who understands renovation projects.

Loan Amounts$75,000 – $2,000,000
Interest Rate9.9% – 11.9%
Payment TypeInterest Only
Points (Origination)1.5% – 3%
LTC (Loan-to-Cost)Up to 90%
LTV (Loan-to-Value)Up to 70%
Loan Term6–12 Months (Extensions Available)
Min. Credit Score660 FICO
GeographyNationwide (Except SD, ND)
Prepayment PenaltyNONE
Max Loan Amount
$2M
Min $75,000
Rate
9.9%
Starting rate
Max LTC
90%
Of total project cost
Term
6–12mo
Extensions available
Min FICO
660
Credit score required
Prepay Penalty
None
Exit anytime
How It Works

Apply to Funded
in 6 Steps.

Our streamlined process gets you from application to closing fast — so you can focus on the deal, not the paperwork.

Property Types:
1–4 unit residential investment properties. Non-owner-occupied only.
1
Apply
Fill out our basic application or request a term sheet. Our processing team will begin reviewing it and reach out to you shortly.
2
Process
Once reviewed and deemed a good fit, we'll ask for some additional information to begin underwriting your loan.
3
Underwrite
We confirm the most important deal information and review your scope of work to make sure our estimates align with yours.
4
Fund
Tell us your closing date and we'll have our document package ready to sign. Loan funded and you're in the property.
5
Service (Draws)
Monthly interest-only payments. Rehab draws are released as you complete different stages of the renovation — keeping capital flowing to your project.
6
Repay
When you sell or refinance, we issue a payoff to your title company and complete your loan. No prepayment penalty — exit whenever you're ready.
FAQ

Rehab Loan
Questions Answered.

What property types qualify? +
Our rehab loans are for 1–4 unit residential investment properties that are non-owner-occupied. This includes single-family homes, duplexes, triplexes, and quadplexes being acquired and renovated for resale or rental. We do not lend on owner-occupied primary residences.
What states do you lend in? +
We lend nationwide except for South Dakota (SD) and North Dakota (ND). This includes all major markets in the Southeast — Tennessee, Alabama, Georgia, Florida, North Carolina, South Carolina — and across the country.
Do you finance the rehab costs or just the purchase? +
We can finance both the acquisition and the renovation through a single loan structure. Rehab funds are held in reserve and released in draws as you complete different stages of the renovation. This means you're not carrying the full cost upfront — capital is released as work is completed and verified.
Is there a minimum credit score? +
Yes — we require a minimum 660 FICO score for our rehab loan program. Unlike some lenders, we do look at credit as part of our underwriting process. That said, we are primarily asset-based — the deal and the property are the most important factors. Call us to discuss your situation.
Can I close in an LLC? +
Yes. We regularly work with LLCs, corporations, and other entities. Closing in an entity is smart for asset protection and we have no issues with it. A personal guarantee from the principal member is typically required.
What if I need an extension? +
Extensions are available. Rehab projects run long — we understand that. Reach out to us before your maturity date if you need more time and we'll discuss options. The key is communicating early rather than waiting until the last minute.
Is there a prepayment penalty? +
No. There is absolutely no prepayment penalty on our rehab loans. If you sell or refinance ahead of schedule, you pay off the loan and you're done — no fees for early exit.
Apply

Ready to Close
Your Next Deal?

Request a term sheet and our team will review your deal and reach out shortly. No lengthy pre-qualification — just a straight answer.

📞 Prefer to Talk First?
Call 615-979-6260 and walk us through your deal. We'll tell you quickly whether it's a fit.
New Construction → DSCR Loans →
✅
Deal Submitted!
We'll review and reach out shortly. Call 615-979-6260 for urgent requests.
Request a Term Sheet
Rehab loan inquiry

Ready to fund your next deal?
📞 615-979-6260Apply Now →