We require a minimum 660 FICO score. We do not require income verification or W-2s — our underwriting is primarily based on the property's value and your experience as an investor.
How quickly can you close?
We typically close within 5 business days of receiving a complete application. Rush closings may be available — call us to discuss your timeline.
Can I use the loan to purchase and rehab?
Yes. Our bridge loans cover up to 70% LTV, and we fund 100% of the approved rehab budget through a draw schedule.
Is there a prepayment penalty?
No. You can pay off your loan early with no penalty — ideal for investors who complete and sell projects ahead of schedule.
How do rehab draws work?
You submit a draw request through your borrower portal with photos showing completed work. Approved draws are often funded the same business day.
Rental / DSCR
Rental Loan Questions
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio — it compares the property's rental income to its monthly loan payment. A DSCR of 1.0x means the rent exactly covers the mortgage.
Do I need to show personal income or tax returns?
No. Our rental loans qualify entirely on the property's cash flow. Self-employed investors and full-time landlords all qualify.
Can I refinance a property I purchased with a hard money loan?
Absolutely — this is one of the most common scenarios we see. Once your property is stabilized and rented, we can refinance you into a 30-year fixed rate.
Can I finance a vacant property?
Yes. We allow vacant acquisitions, and we also allow vacant properties that were recently rehabbed and not yet leased. In either case, we use market rent (from an appraisal or comparable analysis) to calculate the DSCR — no signed lease required at closing.
The Process
Application & Closing
What documents do I need to apply?
For bridge loans: property details, purchase contract, scope of work, and a recent credit report. For rental loans: property details, lease agreement or market rent analysis, and credit report. We keep it minimal.
Will you pull my credit?
Getting an initial quote does not require a credit pull. A soft pull is done at pre-approval; a hard pull is only required at final application.
What states do you lend in?
We currently lend in 12 states across the East Coast and beyond. See our Where We Lend page for the full list. the full list.
Brokers
Broker Partnership
How do I register as a broker?
Visit our Broker Program page and fill out the short registration form. It takes about 5 minutes and there's no cost.
How much can I earn per deal?
Brokers earn 1–2 referral points paid at closing on the same day the loan funds. There are no caps, no clawbacks, and no hidden fees.
Will you contact my clients directly?
Never. We protect broker relationships. Your client stays yours through closing and beyond.
Still Have Questions?
Call us or send a message — we're happy to walk through any deal.