Fix & Flip Product 1 with Deferred Payments

Our Hard Money Products: Fix & Flips, Rental & New Construction Loans
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🔄 Fix & Flip Product 1 with Deferred Payments
For New & Experienced Investors (640+ Credit Score)
🚫 Not Available In: Chicago, IL, New Orleans, LA and California
Let's say it plain: this product helps you flip a property without making monthly payments during the loan.
You focus on the project. The payments wait until the deal closes. ✅
True deferred payments
You don't pay anything until the property sells or the loan is repaid
Soft credit pull only
We won't ding your credit score
No tax returns or bank statements required
Ever
💵 Fix & Flip Product 1 with Deferred Payments Loan Details (Simple + Straightforward)
📍 Ready to get funded without the paperwork headache? 
Let's go. Apply Now
🔧 Fix & Flip Product 2 with Monthly Payments
No Application Fee/ No Appraisal/ No Income Verification
For Investors with 700+ Credit Scores
🚫 Not available in: New Orleans, California
If you've got strong credit and want lower rates + higher leverage, this product delivers.
You'll make monthly interest-only payments — but you'll also get max funding, including 100% of rehab costs.
Rates as low as 7.75%* with a 720 credit score
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
No experience required
95% LTV
No pre-payment penalty
🏠 Property Types We Fund:
Single family
Manufacturer homes (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 Loan – Product 3 with Monthly Payments
For Investors with 650+ Credit Scores
 Available in: All 50 States
Need flexibility? This product funds flips and refinances — even if you’re just getting started.
No income docs. No DTI. Just the capital and clarity you need to close fast.
🧠 Loan Snapshot:
Credit Score: 650+
Loan Amount: Starting at $100K
Terms: 12–24 months, interest-only
No prepayment penalty
No experience required
Minimal documentation (no DTI or income checks)
🏠 Property Types We Fund:
Single-family homes
Condos
2–4 unit properties
Multifamily (5+ units)
Mixed-use buildings
💵 Leverage Breakdown:
🧮 Fix & Flip Product 3 Leverage 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
📌 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.
💡 Bonus Support:
We help you:
Liquidate credit cards safely (so lenders see funds in your bank)
Prepare minimal documentation
Close fast — even when the property is “as is”
📍 If you’ve got a project and a plan, we’ve got the capital.
Start your application today — no hard pull.
Let's go. Apply Now
Fix & Flip Loan-Product 4 with Monthly Payments
For Investors with 640+ Credit Scores
 Available in: All 50 States
📌 Key Product Highlights 
✅ 640+ Credit Score required
✅ Up to 92.5% LTC and 75% LTV
✅ 100% of rehab covered -Draws paid out within 4 days
✅ 1-4 Units
✅ 13, 19, or 24-month interest-only terms
✅ Loan amounts from $75K to $5M
✅ Rates starting at 8.45%
✅ Lender origination fee can be deferred until exit of the property
🧮 Fix & Flip Product 4 Leverage Example
Let’s assume a borrower is looking at the following deal:
Purchase Price: $240,000
Rehab Budget: $60,000
Total Project Cost (LTC Base): $300,000
After Repair Value (ARV): $400,000
💡 Tip for Clients:
“This product is great for investors who want high leverage and minimal out-of-pocket rehab costs, plus the bonus of deferring lender fees until the deal closes!”
🔄 Fix & Flip Loan- Product 5 with Monthly Payments
For Investors with 600+ Credit Scores
 Available in: All 50 States
 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”
💵 Loan Highlights:
✅ Loan Amounts: $100K to $2M
✅ Credit Score: 600+
✅ 90% Purchase + 100% Rehab
✅ Max 75% ARV
✅ Interest-Only Payments
✅ 12–18 Month Term (w/ extension available)
✅ Rates: 8.90% – 10.90%
✅ $1,995 Doc Fee
✅ No Prepayment Penalty
✅ Nationwide (Excludes: LA, MN, MO, NY, SD, ND, Baltimore, Chicago, Detroit, North NJ)
🏠 Property Types:
Residential: Single-family and 2–4 units
No junk fees
Minimal documentation (just basic business docs)
✅ Perfect For:
Anyone wanting low doc, high-speed funding with rehab included
🧮 Fix & Flip Product 5 – Leverage Example
Let’s walk through a sample deal using this product:
Purchase Price: $300,000
Rehab Budget: $75,000
Total Project Cost (LTC Base): $375,000
After Repair Value (ARV): $500,000
🔢 Leverage Guidelines for Product 5
📍 Apply now — you could be approved in under 24 hours.
Let's go. Apply Now
🔧 Fix & Flip Loan – Product 6 with Monthly Payments
For Investors with 640+ Credit Scores
 Available in: All 50 States
This is a flexible private loan with 24hr approvals and no appraisals — ideal if you want to move fast on residential or multifamily flips.
💵 Loan Highlights:
✅ Loan amounts: $100K to $1.5M
✅ Terms: 6–12 months
✅ No appraisal needed
✅ No junk fees
🏠 Property Types:
Single-family homes
Multifamily (up to 6 units)
✅ Perfect For:
Mid-size multifamily projects
📍 Need a private loan with no red tape? This one’s it.
Let's go. Apply Now
🏁 Fix & Flip Loan- Product 7 with Monthly Payments – No Credit Score Needed!
Only Available in GA, TX, AZ, CO, TN
This product removes the credit score from the equation — perfect if you have a property in mind.
💵 Loan Terms:
✅ 10–20% down payment
✅ No credit check
✅ No appraisal
✅ Property must have 3 comps sold in the past 180 days
✅ Provide inside & outside property photos
🏠 Property Types:
Residential flips in GA, TX, AZ, CO, TN only
✅ Perfect For:
Investors with cash for down payment but challenged credit
Situations where speed and simplicity matter more than score
📍 If you’ve got the down payment, we’ve got the capital — no credit required.
Let's go. Apply Now
💸 Fix & Flip Loan - Product 8 with Monthly Payments – NO MONEY DOWN!
For Investors with 640+ Credit Scores
📍 Only Available in AL, AK, GA, IN, MO, NM, OH, TN, TX
This is the true “no money down” play — just show lender fees, title, and $15K in the bank, and you’re ready.
💵 Loan Highlights:
✅ No money down on the property
✅ Pay only for taxes, title, and lender fees
✅ Loan size: $100K to $2.5M
✅ Must show $15,000 in bank account
(No seasoning — money can be newly deposited)
✅ No bankruptcy or foreclosure in the past 5 years
✅ Perfect For:
Professionals looking to flip without heavy upfront downpayment
📍 Ready to flip with zero down? This one’s built for you.
Let's go. Apply Now
💎 Fix & Flip Loan- Product 9 with Monthly Payments – NO MONEY DOWN!
For Investors with 740+ Credit Scores
 Available in: All 50 States
This is the high-credit, high-reward product. You get zero down, but your score and the deal must be sharp.
💵 Loan Requirements:
✅ Loan size: $100K to $500K
✅ No money down
✅ Rehab must not exceed 50% of purchase price
✅ Up to 90% Loan-to-Cost
✅ Must stay within 70% of ARV
❌ No rural properties allowed
✅ 1–4 unit residential properties only
🧮 Fix & Flip Product 9 (No Money Down) – Leverage Example
Let’s use this sample deal:
Purchase Price: $300,000
Rehab Budget (Max 50% of Purchase): $150,000
Total Project Cost (LTC Base): $450,000
After Repair Value (ARV): $625,000
✅ Perfect For:
New and experienced investors with excellent credit
Professionals who want leverage without liquidation
📍 If your credit is elite, this lets you flip like a boss.
Let's go. Apply Now
💼 DSCR Loans & 100% Investor Financing Flexible Capital Solutions for Rental Income Investors
For Investors with 680+ Credit Scores
✅ 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 Tax Returns / No W2s / No DTI Required
✅ Benefits
Close in as little as 20 days
Use Rental Income to Qualify
Cash-Out Refinance Options Available
Rates starting at 6.5% (credit-based) Still pricing at 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. 
Example 1 – Pass: Purchase Price: $200K
Rent: $2,000/month
Mortgage: $1,400/month
DSCR = 2000 ÷ 1400 = 1.43 (Pass)
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
New & Experienced Investors Welcome!
Experienced investors can use HUD statements as proof.
🔁 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.
Let's go. Apply Now
Ground Up Construction Program
Key Features
New floor pricing is 10.5% interest only payments (previously 12%) — based on experience.

Loan to Cost: Up to 85%
Experience Requirements
(only one of the following must apply):
At least 1 prior ground-up build in the last 36 months
OR at least 2 ground-up builds completed over any time frame
OR a licensed builder who has completed at least 2 builds for other clients
Program Details
Property Type: 1–4-unit residential properties only
Loan Structure: Interest-only during construction
Closing Timeline: 8–10 business days
Documentation: Streamlined process, minimal documentation required
Draws: Based on completed construction milestones with funds held in escrow
Inspection: Required before each draw disbursement

No tax returns or income verification typically required
Soft credit pull in most cases
Let's go. Apply Now