Guidelines & investor resources
Program overviews and criteria to help you prepare a clean submission and move fast to close.
DSCR Loan Guidelines
Purchase, rate/term refinance, and cash-out. Max 80% LTV, FICO from 640, min DSCR 1.00x (down to 0.75x on select tiers; no-ratio option available).
View details →Fix & Flip Guidelines
Up to 85% LTV on purchase, 100% rehab funding via draws, 6–18 month terms, FICO from 640.
View details →Construction Guidelines
Ground-up builds to 85% LTC, $150K–$5M, 12–24 month terms with milestone draws and interest reserve.
View details →Bridge Loan Guidelines
Up to 80% LTV, $100K–$3M, interest-only 6–24 month terms with DSCR takeout or sale exit.
View details →Commercial Guidelines
Mixed-use, multifamily, retail, office, light industrial. Up to 75% LTV, $250K–$10M, recourse & non-recourse.
View details →Where We Lend
Check state-by-state availability and submit your scenario for eligibility.
View details →What to prepare for a clean submission
For DSCR loans
- • Subject property address and type
- • Purchase price or current value
- • Estimated market rent (gross)
- • Taxes, insurance, and HOA (if any)
- • Borrower credit score and entity
- • Desired loan amount / LTV
For construction & bridge
- • Project budget and draw schedule
- • ARV or as-completed value
- • Contractor scope / GC experience
- • Sponsor experience summary
- • Exit strategy (sale or refinance)
- • Reserves documentation
All loans are subject to credit approval, underwriting review, and property evaluation. Program parameters are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.