Capital Built for the Active Developer
Stop losing deals to 45-day bank closing windows. We provide the high-speed transition capital required to take down distressed assets, fund heavy construction, and bridge your stabilized equity.
Heavy Distressed Rehabs (RTL)
Traditional banks run from homes with missing plumbing or gutted interiors. We fund up to 90% of your acquisition and 100% of your construction draws for massive value-add projects in urban cores like Fulton County and DeKalb County
Ground-Up Construction
Building from the dirt up? We provide vertical construction financing for experienced builders targeting high-end infill lots in premium markets like Buckhead and Sandy Springs.
Stabilized Bridge Loans
Did you recently finish a renovation but the property isn’t leased yet? Our 12-18 month Stabilized Bridge loan provides liquidity on completed projects that are soon to be listed for sale or soon to be rented, allowing you to transition smoothly into our 30-Year DSCR product.
Master the Math: LTC vs. ARVporting
We don’t rely on algorithms; we rely on the math of the deal. To provide the maximum leverage possible, we underwrite both your initial Loan-to-Cost (LTC) and the property’s finalized After Repair Value (ARV).
FIX & FLIP MATH:
Up to 90% of Purchase Price + 100% of Renovation Budget
GROUND-UP CONSTRUCTION MATH:
Up to 85% of Total Project Costs (90% if interest reserve is financed)
STABILIZED BRIDGE MATH:
Up to 85% of Purchase Price + Verified Completed CapEx
Bridge & Transition Underwriting Secrets
What if my property is fully renovated but not leased yet?
This is where our Stabilized Bridge product excels. If the property is completed and either listed for sale or soon to be rented, we can provide 12-18 months of bridge financing at up to 70% LTV without requiring an active lease or a minimum DSCR ratio.
Do you provide bridge financing for Rural properties and mountain cabins?
Yes. While many conventional lenders reject “Rural” appraiser designations, we fund them across North Georgia and our Lake markets. Please note that for strictly rural properties, maximum leverage is capped at 70% LTV, and the property must sit on a paved road.
I am buying at auction. Do you require a full interior appraisal?
No. If you are acquiring an asset via an REO sale, Foreclosure Auction, Sheriff’s Sale, or Online Auction, we accept Exterior Appraisals. We utilize our AMC, Tamarisk, to auto-order the appraisal upon submission to ensure you close fast.
Can I buy a distressed property in my LLC if it has no seasoning?
Yes. Investor Underwriting lends directly to the corporate entity, not the individual. We underwrite the operator via a Personal Guarantee, meaning you can form your LLC yesterday and we can close on the property next week.
What types of properties are ineligible for a Fix & Flip or Bridge loan?
Our RTL bridge products are exclusively designed for 1-4 unit residential properties, townhomes, and warrantable condos. We do not fund mixed-use properties, mobile homes, raw land without vertical construction plans, or properties located on unpaved dirt roads.
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