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Close more deals. Close them quicker.
We make it easy to get the funds that you need.
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Your trusted partner & advisor
We're a group of highly experienced, independent, private money and mortgage brokers.
We work with real estate investors, builders, contractors, agents, and home buyers to secure non-conventional, business-purpose lending for non-owner occupied properties.

We have access to
More than $1 Billion
in immediate Private Capital.
We personally work with
Over 200 Lenders
throughout the United States.
On average, our rates are
6.00% Lower
than Hard Money Loans
Our approval process is simple
Submit your Loan Request
Have a short Consultation
Document Submission
Get Funded and Close Fast
We'll help you get the funding you need before closing
Our company's mission is to help you succeed in your real estate business.
We grade our success on the success of our clients. If. you're not closing deals on time and on budget, then we're not doing our job.
Fix & Flip Loans
Fix and Flip Loans
remain one of the most popular ways for investors to generate quick profits in real estate.
A fix and flip loan provides short-term financing to purchase and renovate distressed properties. Funds cover both the acquisition and the rehab costs, allowing investors to quickly resell for a profit.
Investors appreciate the Fast Closings, Flexible Terms, and the fact that it Covers the Rehab Costs, from cosmetic updates to major renovations. Most investors exit these properties by either selling for a profit, or refinancing into a
DSCR Loan and converting into a rental property.
Fix and Flip Loans are the lifeblood of value-add investors. They provide the speed, flexibility, and capital needed to turn distressed properties into profitable opportunities.
Read more about Fix & Flip Loans...
Ground-Up Construction
Ground-Up Construction Loans give investors and developers the capital to create new properties from scratch - residential, multi-family, or commercial. A construction loan provides short-term financing for land acquisition, permits, labor, and materials. Funds are typically released in stages (called draws) as the project progresses. Investors appreciate the Flexibility, Higher Potential Returns, and the Portfolio Diversification Aspects of these loans. Many investors will combine construction loans with Bridge Loans, or refinance into DSCR Loans once the property is stabilized and generating income. If you want to take control of your projects from the ground up, construction loans are a powerful tool to do just that.
Read more about Ground-Up Construction...
Bridge Loans
Short-term
Bridge Loans allow investors, developers, and even homeowners to “bridge the gap” between immediate capital needs and long-term funding, providing them with immediate liquidity until permanent financing can be secured.
These loans usually last 6 to 24 months, giving investors enough time to refinance or sell the property. Unlike traditional loans, bridge loans focus more on the value of the property and the exit strategy rather than the borrower’s credit score. This makes them ideal for real estate investors who need speed and flexibility. Bridge loans are versatile and often used for
Fix-and-Flip Projects, Construction Financing, Property Acquisitions, and Refinancing.
They provide buyers with
quick financing within a few days,
access to capital
without waiting for traditional bank approval, and the
ability to act quickly in competitive markets.
Read more about Bridge Loans...
Debt Service Loans (DSCR)
Debt Service Coverage Ratio (DSCR) Loans have become one of the most popular tools for investors looking to scale their rental portfolios. Instead of focusing on your personal income or tax returns, lenders evaluate the property’s ability to generate rental income compared to its debt obligations. No Personal Income Requirements, Faster Approval Process, Scalability, and Flexibility are some of the main advantages of DSCR Loans. And pairing them with bridge loans or fix and flip loans creates a seamless financing strategy - Buy, Rehab, Rent, Refinance, and Repeat. If you’re looking to grow your rental portfolio, DSCR loans are one of the most powerful tools available.
Read more about DSCR Loans...
Explore some of our many loan options
This is a list of general guidelines and terms. Loan terms vary by lender and often change daily.
Loan terms may be negotiated. Reach out to us directly for the most up to date quote.

Fix & Flip Loans
- 70-90% LTARV
- 5-20% downpayment
- 100% of rehab financed
- Rates from 6.25-11.99%
- 1.00-4.00% points
- 6-24 month term
- Loans from $50k up to $4m
- As fast as 1-2 weeks to close
- Credit scores as low as 620*
- Previous experience not required for some lenders*

Ground-Up Construction
- 65-85% LTC
- 45-65% LTP
- 10-20% downpayment
- Rates from 7.00-12.99%
- 2.00-5.00% points
- 12-24 month term
- Loans from $200k up to $50m
- Credit scores as low as 650*
- Must have prior experience
- Must have cash reserves

DSCR Loans
- Up to 80% LTV
- 10-20% downpayment
- Rates from 6.00-8.50%
- 1.00-4.00% points
- 5-30 year term
- Loans from $60k up to $3m
- As fast as 2-3 weeks to close
- Credit scores as low as 600*
- Downpayment assistance possible with selected loans*
Frequently Asked Questions
-
What is Business Purpose Lending?
"Business purpose lending" is exactly what it sounds like: We provide loans to businesses, for business purposes.
In the real estate world, this means that we process loans for LLC's and Corporations which allow them to purchase, rehab, and build properties. Rather than loaning money directly to individual buyers, we provide loans to their respective companies instead.
The guidelines for lending to consumers is often very different than lending to businesses. And at this time, the majority of our lenders will only issue business purpose loans.
However, do have Private Money Brokers who are also Licensed Mortgage Originators and can provide Qualified Consumer Loans. If you are looking for a commercial mortgage or a refinance of your current property, feel free to reach out to us for more information.
-
What are Non-Owner Occupied Properties?
Essentially, "Non-Owner Occupied Property" means that the buyer will not be using the property as a place of residence.
For a Fix & Flip Loan or a Ground-Up Construction loan, this means that no one will be staying in the house while the construction or renovations are taking place.
For a DSCR Loan, this means that the house will not be the owners primary residence. Most commonly it will be used as an investment property or a short-term, or long-term, rental.
-
Do you have Private Money Loans for Individuals?
At this time, the majority of our Private Money Lenders will loan direct to businesses only.
However, if you are an individual looking for a Fix & Flip, Ground-Up Construction, or DSCR Private Money Loan, dont hesitate to reach out to us, and we may have some options for you.
-
How fast can you close on a loan?
Because we're experienced, and we have mutiple lenders to choose from, we can often close loans much faster than other lenders.
As a general rule of thumb, we can close a DSCR Loan as fast as 2-3 weeks, and we can do a Fix & Flip Loan in a matter of days.
These timelines can be influenced by many factors however, like whether the buyer has their documentation in order, and the flexibility of the appraiser, the processor and the title company.
If you are already under contract, or if you have a limited time to close, please reach out to us as soon as possible, so we can help accelerate your loan application.
-
Do you have Private Money Loans for Commercial Properties?
Yes, we do have lenders that can provide Private Money Loans for Commercial Properties. However, the lender guidelines are are much more complicated.
If you are looking for a Private Money Loan for a Commercial Property, please reach out to us for a more detailed conversation.
-
Do you have Private Money Loans for Mixed-Use Properties?
Yes, we do have lenders that will provide loans for Commercial+Residential Mixed-Use Properties. However, there are specific guidelines that must be followed in order to qualify for a Private Money Loan for these properties.
If you are considering a Private Money Loan for a Mixed-Use Property, reach out to us for more details.
-
Can you get Loans with a Zero Down-Payment ?
Nowadays it is extremely hard to get a zero down-payment loan. The vast majority of lenders will not even consider funding them.
However, they are possible with very specific criteria. Generally speaking, the loan must have excellent leverage and the buyer must have high experience and excellent credit.
Oftentimes there may be other options available, such as partnering with another investor, or leverging existing equity on other properties. So don't hesitate to reach out to us if you have questions regarding your specific situation.
Recent Private Money Loan Information and Trends
Check out our recent news and articles for some of the latest updates from the Private Money Lending industry





