Four programs.
One specialty: non-owner-occupied investment real estate.
DSCR rentals and fix & flip are where Randall spends most of his time and where our lender coverage runs deepest. Bridge and new construction round out what we can place when the deal fits.
DSCR Rental Loans
Qualification based on the property's cash flow — not your tax returns. Perfect for self-employed investors, LLC borrowers, and anyone scaling beyond conventional loan caps.
- Loan size: $100K–$5M
- LTV: typically 70–80% purchase, 65–75% cash-out refi
- Close: typically 18–28 days
- No personal income verification on most programs
Fix & Flip / Hard Money
Short-term bridge financing for acquisition + renovation. Loan structured around deal merit and ARV. For active rehabbers who need speed without surprises.
- Loan size: $100K–$5M
- LTC: typically 80–90% · LTARV: typically 65–75%
- Close: typically 7–14 days
- First-time flippers considered with the right lender
Bridge Loans
Transitional capital for deals that don't fit a permanent loan today. Common scenarios: acquiring a property to stabilize before a DSCR refi, buying out a partner, or unlocking equity short-term to close another deal. Terms run 6–24 months with a clear exit strategy required.
New Construction Loans
Ground-up construction financing for investor projects — build-to-rent or build-to-sell. Funded in draws tied to a documented scope of work. Experienced builders preferred; first-time projects considered with a qualified general contractor.
Program comparison
| Program | Best For | Loan Size | Typical Close | Qualification |
|---|---|---|---|---|
| DSCR Rental | Buy & hold investors | $100K–$5M | 18–28 days | Property cash flow |
| Fix & Flip | Rehabbers, flippers | $100K–$5M | 7–14 days | Deal merit + ARV |
| Bridge | Transitional deals | $100K–$5M | 10–21 days | Deal + exit plan |
| New Construction | Investor builders | $250K–$5M | 21–45 days | Scope + builder |
Loan sizes, LTVs, rates, and timelines vary by lender, market conditions, and deal specifics. Numbers above are typical ranges, not commitments.
What we won't take
- Owner-occupied residential loans
- Primary residence refinances
- Consumer or personal loans
- Loans we can't honestly fund
If your deal is outside our lane, we'll say so on the discovery call. Saying no to the wrong deal is part of how we say yes to the right one.
Got a deal in mind?
Tell us what you're working on — 15 minutes with Randall.