Products
Home
OUR PRODUCTS
FIX & FLIP DEFERRED PAYMENT PRODUCT (640+ Credit Score)

Not Available for Chicago, IL / New Orleans / California / Rhode Island
New & Experienced Investors.
Competitive Rates
Fast real estate loans with competitive rates starting at 9.99% (720+ credit score is around 9.99%)
( 640 credit score is around 12% to 13% interest rate)
Payment Structure
True deferred payments – no payments until loan repays
6 – 18 month terms 10 to 20% Down – (Depending on experience)
Loan Details
Loan sizes from $75,000 to $2.5 Million Can Close 10 to 14 Biz Days (usually faster than that!)
Five-year lookback on experience for experienced investors
Additional Benefits
  • Minimum property value of $50,000 (not the purchase price)
  • No tax returns or bank statements required
  • No hard credit pulls → all Soft pulls
FIX AND FLIP PRODUCTS option 2 (700+ Credit Score) WITH MONTHLY PAYMENTS
No Application Fee / No Appraisal / No Income Verification

🚫 Not available in: New Orleans, California
Rates as low as 7.75%* with a 720 credit score
Loan Features
  • Loans from $100K to $3Million
  • Up to 95% of purchase price*
  • Up to 80% of after-repair value.
  • 12, 18 + 24 month terms w/ interest-only payment options
  • 100% of rehab cost
Benefits & Property Types
  • No experience required
  • 95% LTV
  • No prepayment penalty
Perfect for:
  • Single family
  • manufacturer (no wheels)
  • condos
  • 2 to 4 units
🧮 Fix & Flip Product 2 – Leverage Example
Let's say a client is looking at the following deal:
Purchase Price: $350,000
Rehab Budget: $90,000
Total Project Cost (LTC Base): $440,000
After Repair Value (ARV): $550,000
🔢 Leverage Guidelines for Product 2
Fix & Flip option 3 – 650+ Credit Score
PROPERTY TYPE
Single Family, Condos, 2-4 Units, Multifamily (5+ Units), Mixed-Use Buildings
LOAN TYPE
Purchase, Rehab, Rate/Term Refinance, Cash-out Refinance, Stabilized Bridge
EXPERIENCE
No Experience Required
LOAN AMOUNT
$100,000 Minimum
LOAN TERM
• 12–24 Months, Interest Only, No Prepayment Penalty
LEVERAGE GUIDELINES
• Financing for Purchase and Rehab • Buy "as is" and close fast! • No DTI or Personal Income Verification
• Minimal Borrower Documentation Required
  • Some lenders may ask for Bank Statements We help you to liquidate credit cards to have the money in the bank for the lenders to see.
  • 🧮 Fix & Flip Product 3 Leverage Guideline Example
Let's assume a client has a contract on a property with the following numbers:
Purchase Price: $200,000
Rehab Budget: $50,000
Total Project Cost: $250,000
After Repair Value (ARV): $350,000
🔢 Leverage Options (Based on Experience)
📌 Key Takeaways:
  • Experienced investors may get up to 90% of the purchase price, 100% of the rehab, and the total loan cannot exceed 75% of ARV.
  • New investors may only get 80% of the purchase price, but still get 100% of rehab, and must stay under 65% of ARV.
  • The lower of the LTC or ARV limits always applies.
Fix & Flip option 4 - 640+ Credit Score
PROGRAM HIGHLIGHTS
✔ Up to 92.5% LTC & 75% LTV (LTC = Loan To Cost)
✔ 100% of rehab budget with 4-day draws
✔ 13, 19 & 24-month term options
✔ 1 - 4 Units
✔ Loans from $75K to $5M
✔ Rates as low as 8.45%
✔ Defer the payment of your Lender origination fees to when you exit the property
🔢 Leverage Details for Product 4
Fix & Flip option 5 – 600+ Credit Score
Program Terms We provide approval in less than 24 hours. As a direct lender, we have full discretion and the funds on hand to close quickly. We pride ourselves on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.
"No Experience Needed"
1
✔ Loan Amounts: $75K – $2M ✔ Rates: 8.90% – 10.90% ✔ Payment: Interest Only , No pre-payment penalty ✔ Points: 2.0% – 3.0% ✔ $1,995 Doc Fee ✔ LTC: Up to 93% (90% of Purchase, 100% of Rehab) ✔ LTV: Up to 75% ✔ Term: 6–18 months (w/ extension options) ✔ Financing for purchase and renovation costs ✔ Quickest draw process in the industry ✔ Geography: Nationwide (except for the following markets: LA, MN, MO, NY, SD, ND, Baltimore, Chicago, Detroit, Northern NJ) ✔ Property Types: Residential (SFR & 2-4 Unit) ✔ NO Appraisal Required (on most loans): Save $695 and 30 days!
2
✔ NO Junk Fees ✔ NO Prepayment Penalty: Payoff the loan at anytime ✔ Minimal Docs required: Basic Biz docs.
🧮 Fix & Flip Product 5 – Leverage Example
Let's walk through a sample deal using this product:
1
Purchase Price: $300,000
2
Rehab Budget: $75,000
3
Total Project Cost (LTC Base): $375,000
4
After Repair Value (ARV): $500,000
🔢 Leverage Guidelines for Product 5
Fix & Flip option 6 - 640+ credit score
Approval And Terms In 24 Hours
Property Types
Single Family Residential And Multifamily (2–6 Units)
Loan Amount
Private Loans From $100K–$1.5M
Key Benefits
  • No Appraisal Needed
  • 6–12 Month Terms
  • No Junk Fees
Fix and Flip Product 7 – No credit score needed With Monthly Payments

Only Available in– GA / TX / AZ / CO / TN
1
• No Appraisal
2
• No Credit Check
3
• 10% to 20% down
4
• 3 Comps sold in the last 180 days
5
• Need Inside / Outside Pics
Fix and Flip NO MONEY DOWN Product 8 – 600+ credit score With Monthly payments

Only Available in– AL / AK / GA / IN / MO / NM / OH / TN / TX
No Bankruptcy or Foreclosure in the last 5 yrs.
1
No money down
2
Pay for Taxes, Title, & Lender Fees
3
Show $15,000 in Bank acct.
(No seasoning. No care where the funds come from.)
4
Minimum Loan $100K to Max $2.5 million
Fix and Flip NO MONEY DOWN Product 9 – 740+ credit score
With Monthly payments
• Minimum Loan $100K to Max $500K
• Rehab not to exceed 50% of purchase price
• Property type: 1–4 unit residential only
• ❌ No rural properties allowed
• Up to 90% Loan to Cost
• Must not exceed 70% ARV
🧮 Fix & Flip Product 9 (No Money Down) – Leverage Example
Let's assume the investor is working on this property:
Purchase Price: $250,000
Rehab Budget (Max 50% of Purchase): $125,000
Total Project Cost (LTC Base): $375,000
After Repair Value (ARV): $535,000
🔢 Leverage Guidelines for Product 9
DSCR Loans & Investor Financing
Unlock flexible capital solutions for real estate investments, available in all 50 states. These loans are ideal for both new and experienced investors, with competitive rates for credit scores of 680+ (Best rates at 720+)
New & Experienced Investors Welcome Experienced investors can use HUD statements as proof.
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is a powerful financing option that lets you leverage rental income to qualify, without needing tax returns, W2s, or personal income verification.
1
No Income Docs
No tax returns, W2s, or DTI required for approval.
2
Quick Closings
Close your loan in as little as 20 days.
3
Rental Income to Qualify
Qualify based on your property's rental income potential.
4
Cash-Out Refinance Options Available
5
Low Rates
Rates starting at 6.5% (credit-based) and just 1.5 points.
📊 How It Works – DSCR Formula
The DSCR is calculated using: DSCR = Net Operating Income ÷ Debt Payments To qualify, your DSCR score should be 1.05 or higher. A property is considered cash flowing if the rental income covers or exceeds the mortgage payment.
1
Example 1 – Pass: Purchase Price: $200K
Rent: $2,000/month
Mortgage: $1,400/month
DSCR = 2000 ÷ 1400 = 1.43 (Pass)
2
Example 2 – Fail: Purchase Price: $170K
Rent: $1,200/month
Mortgage: $1,400/month
DSCR = 1200 ÷ 1400 = 0.86 (Fail)
Property Types:
  • Single-family
  • 2–4 units
  • Multi-family
  • Short-Term Rentals / Airbnbs
  • Loan-to-Value (LTV): 80–85%
  • 5+ units require 20% down
  • Stabilized Bridge: Up to 70% LTV
🔁 Cash-Out Refi Example
Own a free & clear property? You can pull equity with a cash-out DSCR refi and walk away from the table with no money down. Case Study: Property Value: $140K
Needed Repairs: $50K
LTV Refi @ 75% = $105K
Funds are pulled from the equity—no personal funds needed.
🟣 100% Financing for Elite Investors
Unlock 100% financing when you meet these criteria: Requirements: 750+ Credit Score
$150K Liquid in the Bank
5+ Investment Properties (Fix & Flips, Buy & Hold, Short-Term Rentals, etc.)
Example – Sam qualifies: 750+ Credit Score
$150K Liquid
5 Properties
✅ Sam gets 100% financing. You can too.
⏳ Move Quickly — Lock in Rates
Rates range from 6% to 9% and change daily based on the market. To secure your rate: Submit your documents within 3 days
Avoid delays that could lead to missed opportunities

📞 Ready to Qualify? Book a consultation or start your application today. Let us structure the perfect deal for your next cash-flowing asset.
DSCR Loans & 100% Investor Financing
Want or already have Rental Properties?? Unlock flexible capital solutions for real estate investments. These loans are ideal for both new and experienced investors looking for competitive rates.
What Is a DSCR Loan?
A DSCR Loan (Debt Service Coverage Ratio) is a powerful financing option for real estate investors who want to leverage rental income without providing tax returns, W2s, or personal income verification.
Key Features:
No Income Documentation Required
No tax returns, W2s, or DTI are needed for approval, simplifying the application process.
Quick Closings
Expedite your investment process with closings in as little as 20 days.
Qualify with Rental Income
Leverage the property's potential rental income to qualify for the loan.
Cash-Out Refinance Options Available
Access the equity in your existing properties for new investments or other needs.
Competitive Rates
Rates start at 6.5% (credit-based), with an attractive pricing structure of just 1.5 points.