The Largest Real Estate Private Investment Marketplace

Access a network of over 20 funding sources with a single inquiry


Our matching algorithm, which considers over 50 data points, substantially improves your likelihood of discovering the perfect lender. These data points encompass information from the lender, borrower, and the real estate investment, enhancing the precision of our match.
  • Fix & flip and fix & rent loans
  • Single-family rentals and rental portfolio loans
  • New construction and redevelopment loans
  • Foreign nationals’ single family and foreign nationals’ investment property mortgages 
  • Commercial real estate loans
  • Terms rang from short-term 12-month loans to long-term 30-year loans
  • Loans starting at $75,000
  • Asset-based lending with minimal credit score and no income requirements 
  • Interest only loan options

How is a hard money loan or a private loan different from a traditional mortgage?

A private loan, sometimes called a bridge loan or a hard money loan, is a loan that is secured by a hard asset, such as residential or commercial real estate. When making a lending decision, a private lender is mostly concerned with the value of the property being used as collateral, as opposed to the borrower’s credit score or other factors. Unlike traditional bank lenders, private lenders are more flexible with lending requirements, such as down payments, credit scores, and income verification.

Do I need a down payment?

What is most important to a private lender is the loan-to-value (LTV) ratio of the property being financed. The LTV is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. Lenders require a  minimum of 10% down payment of the purchase price. The down payment required for each loan program is discussed in greater detail below. 


Loan Programs


Fix & flip loans and Fix & rent: non-owner occupied

  • Single-family, condos, townhomes, multifamily
  • $100K to $75M
  • Up to 92% Loan to Cost (LTC) & up to 90% Loan to Value (LTV)
  • 100% of Rehab Financed
  • Must be non-owner occupied
  • Nationwide lending 

As Repaired Value Loans  

  • A short-term loan for improving property value and maximizing rental appeal
  • A loan to finance improvements based on the property’s “as repaired value.”
  • A loan to help increase market value, rental appeal, and rental rates.
  • A higher LTV than hard money lenders
  • Single family rentals, rental condo, up to 4 units 

Airbnb properties, VRBO rentals, and vacation homes  

  • Up to 75% LTV on purchases & up to 70% LTV for cash-out refinance
  • DSCR (Debt Service Coverage Ratio) 1.5+ 
  • 5, 10, 30-year options – Multiple structure options available. 
  • Fixed rate, ARMs, fully amortizing, interest only, or balloons

Rental portfolio loans 

  • 5+ rental properties
  • $500K – $100M+
  • Up to 90% LTV purchase, 80% LTC purchase, 75% LTV for refinance.  
  • 5, 7, 10, and 30 year terms
  • Interest-only payments up to 10 years
  • Non-recourse option is available
  • Leased portfolio
  • Nationwide lending

Credit lines

  • 1-500+ properties
  • Single-family, 2-4 units, condos, townhomes, multifamily
  • $100K – $100M
  • Up to 90% of assessed value
  • Fixed and floating rate options
  • Renovation financing is available
  • Nationwide lending

Construction loans

  • Single-family homes to larger, multi-family properties
  • Up to $5M
  • Redevelopment, conversion, and condo loans
  • Up to 85% of the project cost
  • Nationwide lending


Long Term Commercial Real Estate Loans: Industrial – Office – Retail – Hospitality loans

  • Office buildings, retail stores, warehouses, self-storage buildings, automotive repair shops, hotels, and motels
  • 60% to 75% LTV
  • A simple financing solution for a purchase or cash-out refinance
  • Flexibility to remain in the loan for up to 30 years
  • Lower monthly payments than a traditional hard money loan
  • A 3-year or 8-year fixed-term amortized over 30 years

Foreign nationals

  • Foreign nationals with or without U.S. permanent residency
  • From $100K homes to $10+ million luxury properties
  • Owner-occupied homes, vacation homes, residential and commercial investment properties
  • No FICO score, social security number, Green Card, or visa required
  • Owner occupied homes, vacation homes, residential and commercial investment properties
  • Up to 85% LTVs with an individual Taxpayer Identification Number (ITIN) and other documentation (15% down)
  • Up to 75% LTV without an individual Taxpayer Identification Number (ITIN), tax records, FICO or income verification (25% down)


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