Real Estate Investor Capital Review

What it is: Short-term acquisition and rehab capital for properties you plan to renovate and sell — or hold and rent (Fix & Rent) or list before full renovation (Wholetail).

Who it suits: Investors buying distressed or value-add properties to renovate and sell or refinance.

Qualification: Partners review the deal metrics (purchase, rehab, ARV), your experience, and the property. Draws are typically tied to construction milestones.

Cost: Interest-only over a short term. Points are paid at closing. Cash-to-close covers your down payment and any unfunded rehab.

What it is: Long-term rental financing where qualification is based on the property's cash flow rather than your personal income. Available for purchase, refinance, cash-out, and eligible portfolios — including short-term rentals where programs allow.

Who it suits: Buy-and-hold investors building cash flow portfolios, including those using DSCR to refinance out of short-term capital (BRRRR).

Qualification: Partners review the DSCR — rental income divided by debt service. Each sets its own coverage threshold. We confirm the applicable calculation and threshold during review.

Cost: Amortizing payments over a long term. Rates and terms are set by the partner.

What it is: Short-term transitional capital for acquisitions, stabilization, or refinancing when you need to move quickly or can't use permanent financing yet. Requires a credible exit strategy.

Who it suits: Investors who need speed, are repositioning a property, or are between financing events.

Qualification: Partners scrutinize the exit — how the bridge gets repaid. A sale, a refinance, or another capital event. 'I'll figure it out' is not an exit.

Cost: Interest-only over a short term. Higher rates than permanent financing — the cost of speed and flexibility.

What it is: Construction capital for residential and commercial ground-up builds — including development where programs are available. Draws are tied to construction milestones.

Who it suits: Developers and experienced investors building new properties or substantial ground-up projects.

Qualification: Partners review your construction experience, plans, permits, budget, and timeline. Construction-to-perm options may be available depending on the partner.

Cost: Interest accrues on drawn funds. Draws fund construction in stages. Cash requirements cover soft costs and contingencies.

What it is: Financing for investment commercial property, small-balance commercial, and eligible owner-occupied business premises. SBA-style financing may be available for qualifying owner-occupied properties where the business occupies the real estate.

Who it suits: Business owners purchasing their own commercial property, and investors buying income-producing commercial real estate.

Qualification: SBA programs have specific occupancy and eligibility requirements set by the SBA and lender — not by us. We help you understand which path fits, but we don't set SBA limits or terms.

Cost: Terms and rates vary by program, property type, and partner. SBA programs have their own fee structures.

What it is: Capital for land acquisition and development, qualifying workout scenarios, bankruptcy exits, foreclosure-related situations, cash-out, and sale-leaseback structures where genuinely available from a partner.

Who it suits: Investors in non-standard scenarios: raw land, distressed situations, or complex capital needs.

Qualification: Availability is highly program-specific — not every partner offers every specialty product. We confirm what's available for your scenario during review.

Cost: Terms and leverage vary widely by scenario and partner. These are typically case-by-case underwriting decisions.