How These Deals Get Structured

Investor under contract on a multifamily property. Conventional lender declined due to deferred maintenance and mixed-use zoning. Seller requiring 14-day close.

Financing Structure

Bridge Loan  ·  65% LTV  ·  Interest Only  ·  12-Month Term

Outcome

Funded in 11 days

Experienced investor with four financed properties seeking financing on a single-family rental. At the conventional maximum financed property count. Property cash flows at 1.3x DSCR.

Financing Structure

DSCR Loan  ·  70% LTV  ·  30-Year Term  ·  No Income Docs

Outcome

Closed in 18 days

Contractor-investor purchased a distressed single-family home at auction. Property in non-lendable condition. Needed acquisition and full rehab capital to bring property to retail-ready condition.

Financing Structure

Fix and Flip  ·  80% of Total Cost  ·  Draw Schedule  ·  12-Month Term

Outcome

Funded in 9 days

Property owner facing a maturing second trust deed with a balloon payment. Could not qualify for conventional refinance due to self-employed income documentation. Needed equity access to satisfy the balloon and avoid default.

Financing Structure

Equity Loan  ·  60% CLTV  ·  24-Month Term  ·  Interest Only

Outcome

Balloon satisfied, default avoided

Real estate investor acquired a small apartment building in probate. Title issues from the estate prevented conventional financing. Property had strong equity and stable tenants.

Financing Structure

Bridge Loan  ·  Asset-Based  ·  12-Month Term

Outcome

Closed during probate proceedings

Developer needed construction completion financing after their primary lender froze draws mid-project. Carrying costs accumulating. Property 70% complete with strong post-completion value.

Financing Structure

Bridge to Completion  ·  Equity-Based  ·  18-Month Term

Outcome

Draws resumed within 7 days

Self-employed investor with complex tax returns sought to refinance an existing rental portfolio property. Prior lender required two years of personal returns showing sufficient income — which did not reflect actual business cash flow.

Financing Structure

DSCR Refinance  ·  68% LTV  ·  30-Year Term

Outcome

Closed without income documentation

Investor with prior bankruptcy acquired a cosmetically distressed single-family residence. Bank declined due to credit history. Property had strong after-repair value and a clear renovation plan with licensed contractor.

Financing Structure

Fix and Flip  ·  75% of Total Cost  ·  9-Month Term

Outcome

Funded despite prior bankruptcy

Investor owned a free-and-clear commercial property and needed capital quickly to fund the down payment on another acquisition. Conventional HELOC process was too slow for the acquisition timeline.

Financing Structure

First Trust Deed  ·  55% LTV  ·  18-Month Term

Outcome

Capital available in 10 days