Attention: Active Real Estate Investors (Fix & Flippers, Buy & Holders)

Get Funding For Your Real Estate Project HERE

Unlock Competitive Rates For You With Our Streamlined Loan Application
It's Quick, Simple And Easy to Apply!

Need to secure funding for your next project quickly and easily?

Then we can help you.

Our loan process makes securing funding for your projects seamless and stress-free. 

You can benefit from fast approvals and competitive rates that keep you ahead of the game.

Our step-by-step process guides you from application to closing with ease.

Which Type Of Investment Funding Do You Want?

Fix & Flip

Short-term financing to buy and renovate properties with up to 10 units.

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Bridge Loans

For newly constructed or renovated properties  ineligible for permanent financing

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Construction

Financing for the construction of residential and small multifamily investment properties

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Short-Term Rental

For investors needing permanent financing for rentals listed on AirBnB and VRBO 

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Rental Properties

Permanent financing of rental properties with long-term tenants (uses rental cashflow).

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Rental Portfolios

Financing for up to 10 rental properties as a single loan.  A cost effective solution.

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Bank Statement

Rental property financing underwritten by your income  Tax returns NOT required

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The Application Process

Click the “Apply Here Now” button to start your application and provide details about your project.

1.   Get Prompt Feedback: Our team will review your submission and respond within 24 hours, ensuring you know your next steps quickly.


2.   Receive Your Offer: If eligible, you'll receive an offer detailing your loan terms for review and acceptance.

3.   Effortless Closing: Once you accept the offer, our team will manage the details, including valuation, title, and insurance, moving you swiftly toward closing.


Don’t let financing hold back your investment dreams. Click the “Apply Here Now” button to get started and unlock the funding you need today!

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Fix & Flip Lending Criteria 

Short-term financing to buy and renovate properties with up to 10 units. We support experienced and new investors with competitive terms and pricing.

Loan Amount - $100,000 to $1.5 million l
Loan Term - 6, 12 or 18 months
Payment Type - Interest only
Loan to Cost - Varies with experience - see notes below l
Loan to ARV - Up to 70% l
Closing Timeline - 5-10 business days l

NOTES - Loan to cost varies on your experience:

 0-3 completed projects - up to 85%

4-14 completed projects - up to 90 %

15+ completed projects - up to 92.5%

Additional Fix & Flip Guidelines

FICO - 680 min soft credit assessment
Experience - Fix & flip’s and BRRRR’s (rehab converted to a rental) completed in the last three years count towards experience
Eligible Properties - Single-family, townhomes, warrantable condos, and 2-4 units (5-10 units considered)
Eligible States - Nationwide except ND, NV, SD, VT and WV
Draws - Materials, labor, demolition, and customary soft costs reimbursable. Draw request takes 1-3 business days with a virtual Inspection
Borrower - Loans are made to entities. A personal guarantee is customary. 
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Bridge Loan Lending Criteria 

Financing of newly constructed or renovated properties that are currently vacant and stabilized and are ineligible for permanent financing.

Loan Amount - $150,000 to $1.5 million.  Loan amounts outside of this range considered l
Loan Term - 6, 12 ,18 or 24 months
Payment Type - Interest only with a balloon payment at maturity
Loan to Value - Up to 75%; 65% for cash-out
Loan to Cost - Up to 75% l
Closing Timeline - 5-10 business days l

Additional Bridge Loan Guidelines

FICO - 680 min soft credit assessment
Experience - Must be in C1-C4 condition with no renovations outstanding
Eligible Properties - Single-family, townhomes, warrantable condos, and 2-4 units (5-10 units considered)
Eligible States - Nationwide except ND, NV, SD, VT and WV
Borrower - Loans are made to entities. A personal guarantee is customary. 
Apply Here Now

Construction Lending Criteria 

We finance the construction of residential and small multifamily investment properties. Investors appreciate our flexible terms, ease of draw funding, and speed of closing.

Loan Amount - $200,000 to $1.5 million. Loan amounts outside of this range considered
Loan Term - 6, 12 or 24 months
Payment Type - Interest only with balloon payment at maturity. No interest paid on undrawn funds.
Leverage - Up to 85% loan to cost; 65% loan to after construction value l
Construction Financing - 100% of construction budget (including eligible soft costs)
Credit for Land - 100% of acquisition costs
Closing Timeline - 2-3 weeks l

Additional Construction Guidelines

FICO - 700 min soft credit assessment
Investing Experience - We require a sponsor to have completed at least 4 new builds. GC’ing and complex flip projects may also count toward experience depending on complexity.
Eligible Properties - Single-family, townhomes, ADU's, and 2-4 units (5-20 units considered)
Eligible States - Nationwide except ND, NV, SD, VT and WV
Construction Draws - Materials, labor, demolition, and customary soft costs reimbursable. Draw request takes 1-3 business days with a virtual Inspection
Borrower - Loans are made to entities. A personal guarantee is customary. 
Apply Here Now

Short Term Rental Lending Criteria 

A solution for investors who need permanent financing for their rentals listed on Airbnb and VRBO. This product allows DSCR to be calculated by using 12 months of operating history or AirDNA rents as market rent.

Loan Amount - $75,000 to $1.5 million. Loan amounts outside of this range considered
Loan Term - 30-year term; fully amortizing entire term, or I/O for 10 years with rate fixed for 5 years then adjustable every 6 months
Loan to Value - Up to 75%; 70% for cash-out refinances with low seasoning l
Debt Coverage - Minimum 1.00 DSCR
Prepayment Penalty- Multiple PPP options available, including no PPP (depending on the state)
Closing Timeline - 2-3 weeks l

Additional Short Term Rental Guidelines

FICO - 700 min hard credit assessment
Revenue Verification - Short-term (AirBnB/VRBO) revenue is verified through 12 months operating history and AirDNA market rents.
Property Condition - Appraisal showing C3 condition or better
Eligible Properties - Single-family, townhomes, warrantable condos, 2-4 units, and 5-20 units
Eligible States - Nationwide except ND, NV, SD, VT and WV
Mortgage Payments - Taxes and insurance are escrowed.  Mortgage payments are collected by ACH.
Borrower - Entities only. A personal guarantee is required.  Non-recourse is not allowed. 
Apply Here Now

Rental Properties Lending Criteria 

Permanent financing of rental properties with long-term tenants.These loans use the rental cash flow and stabilized property value to determine the loan amount.

Loan Amount - $75,000 to $1.5 million. Loan amounts outside of this range considered
Loan Term - 30-year term; fully amortizing entire term, or I/O for 10 years with rate fixed for 5 years then adjustable every 6 months
Loan to Value - Up to 80%; 75% for cash-out refinances with low seasoning l
Debt Coverage - Minimum 0.75 DSCR
Prepayment Penalty- Multiple PPP options available, including no PPP (depending on the state)
Closing Timeline - 2-3 weeks l

Additional Short Term Rental Guidelines

FICO - 660 min hard credit assessment
Revenue Verification - Long-term rental revenue is verified through a lease agreement.
Property Valuation - Appraisal with market rents
Eligible Properties - Single-family, townhomes, warrantable condos, 2-4 units, and 5-20 units
Eligible States - Nationwide except ND, NV, SD, VT and WV
Mortgage Payments - Taxes and insurance are escrowed.  Mortgage payments are collected by ACH.
Borrower - Entities only. A personal guarantee is required.  Non-recourse is not allowed. 
Apply Here Now

Rental Portfolios Lending Criteria 

For experienced investors, we finance up to 10 rental properties as a single loan. These loans are often more cost effective than closing each loan individually.

Loan Amount - $150,000 to $5 million. Loan amounts outside of this range considered
Loan Term - 30-year term; fully amortizing entire term, or I/O for 10 years with rate fixed for 5 years then adjustable every 6 months
Loan to Value - Up to 75%; 70% for cash-out refinances with low seasoning l
Debt Coverage - Minimum 1.15 DSCR
Prepayment Penalty- Multiple PPP options available, including no PPP (depending on the state)
Closing Timeline - 4-8 weeks l

Additional Rental Portfolios Guidelines

FICO - 660 min hard credit assessment
Revenue Verification - Long-term rental revenue is verified through a lease agreement. Short-term (AirBnB/VRBO) revenue is verified through 12 months of rental income.
Property Valuation - Appraisal with market rents
Eligible Properties - Single-family, townhomes, warrantable condos, 2-4 units, and 5-20 units
Eligible States - Nationwide except ND, NV, SD, VT and WV
Mortgage Payments - Taxes and insurance are escrowed.  Mortgage payments are collected by ACH.
Property Minimum - 3 properties
Borrower - Entities only. A personal guarantee is required.  Non-recourse is not allowed. 
Apply Here Now

Bank Statement Lending Criteria 

Small business owners and self-employed individuals have the ability to obtain permanent financing on their rental properties by underwriting their income, instead of rental property cash flow. We do this by analyzing bank statements and do not require tax returns.

Loan Amount - $75,000 to $1.5 million. Loan amounts outside of this range considered
Loan Term - 30-year term; fully amortizing entire term, or I/O for 10 years with rate fixed for 5 years then adjustable every 6 months
Loan to Value - Up to 80%; 75% for cash-out refinances with low seasoning l
Prepayment Penalty- Multiple PPP options available, including no PPP (depending on the state)
Closing Timeline - 2-3 weeks l

Additional Bank Statement Guidelines

FICO - 660 min hard credit assessment
Ability to Repay Verification - 12 months of bank statement transactions analyzed to calculate income and determine loan size based on a 50% debt-to-income ratio
Property Condition - Appraisal showing C4 condition or better
Eligible Properties - Single-family, townhomes, condos (warrantable and non-warrantable), and 2-4 units.  Portfolios are not allowed.
Eligible States - Nationwide except ND, NV, SD, VT and WV
Mortgage Payments - Taxes and insurance are escrowed.  Mortgage payments are collected by ACH.
Borrower - Entities only. A personal guarantee is required.  Non-recourse is not allowed. 
Apply Here Now

Contact Us:  

Email: [email protected] | Telephone (Direct) (480)-536-8884

GuidelinesMortgages are offered in partnership with Vontive, NMLS ID 1716495 (“Lender”).This is not a commitment to extend mortgage credit. Mortgage products, programs, eligibility criteria, pricing, and terms are subject to change without notice and at the sole discretion of the lender. All data and information is provided “as is” for informational purposes, may not be accurate, and may be subject to change without notice. Unless otherwise communicated in writing, all data and information Lender provides is “as is” without any warranty whatsoever. Additional disclosures and information, including state licensing of Lender, is available at www.vontive.com.

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