Underwriting Criteria
Lending Guidelines
Clear, transparent criteria across all loan programs. Know exactly what we look for before you submit.
Program Overview
All programs are asset-based. No tax returns required.
Loan Amounts
$100,000 – $5,000,000
Property Types
SFR, 2–4 Units, Condos, Townhomes, Small Multifamily (5–10 units)
Geographic Focus
Nationwide — FL, TX, GA, NC, TN, AZ, CO, NV & more
Closing Timeline
5–10 Business Days
Income Verification
Not Required — Asset-Based Lending
Foreign Nationals
Considered case-by-case
Program-Specific Terms
Detailed underwriting criteria for each loan product.
Bridge Loan
Fix & Flip
Max LTC (Purchase)
Up to 90%
Rehab Financing
Up to 100% of rehab costs
Max ARV
Up to 75%
Loan Term
12 – 24 months
Interest Rate
From 9.99%
Min FICO
660
Origination Fee
2 – 3 points
Prepayment Penalty
None
Experience Required
None — first-time investors welcome
Draws
Rehab funds released via draw schedule
Rental Loan
DSCR
Max LTV (Purchase)
Up to 80%
Max LTV (Refinance)
Up to 75%
Loan Term
30-Year Fixed or 5/1 ARM
Min DSCR
1.0x (1.25x preferred)
Interest Rate
From 6.99%
Min FICO
660
Origination Fee
1 – 2 points
Prepayment Penalty
5-4-3-2-1 step-down (options available)
Eligible Properties
SFR, 2–4 units, condos, STRs (Airbnb/VRBO)
Income Verification
Rent roll / lease / market rent analysis
Construction Loan
Ground-Up Construction
Max LTC
Up to 85%
Max ARV
Up to 70%
Loan Term
12 – 24 months
Interest Rate
From 10.99%
Min FICO
660
Origination Fee
2 – 3 points
Interest Reserve
Available — can be financed into loan
Draw Schedule
Inspections required per draw (virtual)
Eligible Properties
SFR, 2–4 units, small multifamily
Builder Experience
Minimum 1 completed project preferred
Borrower Eligibility
We lend to individuals, LLCs, corporations, and partnerships.
Entity Types
LLC, Corp
First-Time Investors
Accepted on Fix & Flip with strong deal metrics
Foreign Nationals
Considered with ITIN and additional documentation
Bankruptcies
Must be discharged 2+ years
Foreclosures
Must be 3+ years seasoned
Portfolio Loans
Finance up to 10 investment properties in a single portfolio loan