FREQUENTLY ASKED QUESTIONS

• DSCR Loans: Minimum 660 FICO
• Fix & Flip Loans: As low as 620 for experienced investors 
• Better credit = better rates and more flexible terms.

 Yes, we offer up to 100% financing, but only for experienced borrowers with solid credit in 28 approved markets. First-time investors should expect to bring 10–20% down plus reserves. 

 We can close in as little as 4–10 business days, depending on how quickly you provide the required documents. Speed is our specialty. 

 Absolutely. We offer construction loans across the U.S. You’ll need to provide:

• Project plans or sketches 
• Construction budget & timeline
• Contractor information
  Bonus: Our founder is a licensed architect—we make sure your project is set up for success.

 Yes. We work with first-time investors all the time. Expect slightly lower LTVs (80–85%) and a need for decent credit and cash reserves. We’ll walk you through everything. 

 Here’s what we need to provide a quote:

1. Property address
2. Purchase price
3. Rehab estimate
4. After Repair Value (ARV)
5. Estimated FICO score
6. Expected closing date
    

Need help? We’ll send you a quick-start checklist.

 Yes! We can use AirDNA data or a 12-month rental history to qualify your short-term rental—no tax returns required. 

 Yes! We specialize in lending to LLCs, corporations, and trusts. In fact, we recommend it for liability protection and tax efficiency. 

 Fix & Flip Loans

• Up to 90% purchase / 100% rehab 
• Rates: 9.99–12.99%
• Points: 1.5–2.5
• Origination Fees
   

DSCR Rental Loans

• Up to 80% LTV 
• 30-year fixed
• Rates starting in the 6.75% range
   

Construction Loans

• Up to 75% LTC
• Interest-only during construction

* Points, Rates and Fees widely depend on location, property condition, and market trends.

 Yes, we lend nationwide. However, certain programs like 100% financing are limited to 28 key markets. Send us your deal and we’ll let you know what’s possible.