How does private lending differ from conventional loans?
Traditional lenders—like banks—typically require strict documentation, including proof of income, low debt-to-income (DTI) ratios, and stable employment history. In contrast, private lenders (also known as non-QM lenders) focus primarily on the borrower’s credit score and the income the property generates. That makes private financing especially ideal for self-employed individuals and experienced real estate investors who may not fit the conventional lending mold.
What is the highest loan-to-value (LTV) allowed?
75% for cash-out refinance, 80% for purchase.
Do you offer portfolio loan options?
Yes.
What are the qualification criteria for a portfolio loan?
Properties must each be valued at a minimum of $50,000, and the portfolio must include at least two properties to qualify.
What kind of timeline should I expect for financing?
Expect a 3–4 week timeline from start to finish. Perfect for planning your next acquisition!
Is closing in a trust allowed?
Yes.
Is closing in the name of an LLC permitted?
Yes.
What is the minimum value a property must have to qualify?
The minimum property value is $100,000 for single-asset deals, and $40,000 per unit for multifamily properties.
What is the minimum credit score needed to qualify?
620.
Is there a seasoning period?
No.
Is occupancy required for the property to be eligible?
No
Is loan reporting to credit bureaus part of the process?
No, our lenders do not report to personal credit bureaus. This allows investors to grow their real estate portfolios without impacting their personal credit or hitting mortgage DTI caps.
How long can the financing be structured for?
Every lender I work with offers 30-year terms, so you can lock in long-term financing without the pressure of short payback periods.
Are fix-and-flip loans part of your lending options?
Yes.
Is prior real estate experience required to qualify?
Nope! I have lenders who work with seasoned investors and also those just starting out. You don’t need a long track record to get financing.
Can I get a DSCR loan for a rural property?
No, but some lenders will sometimes allow rural properties for short-term rentals