Submit one inquiry – connect to multiple nationwide funding sources.  

We offer over 20 lending programs including:
  • Rental portfolio loans – Rental Properties / Apartment Buildings / Apartment Complexes 
  • Commercial real estate loans
  • Fix & flip and fix & rent loans
  • Terms ranging from short term 12-month loans to long-term 30-year loans
  • Loans starting at $75,000
  • Asset-based lending with minimal credit score requirements
  • Rates starting at only 3.99% for longer-term loans
  • Interest only loan options

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

The loan is secured by a hard asset, such as residential or commercial real estate. When making a lending decision, a 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, our lending partners 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 the 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 cost. The down payment required for each loan program is discussed in greater detail, below. 

Do I need a good credit score?

Most lenders do not require a good credit score or income verification. Some lenders will accept bank statements or other financial records if income can’t be verified.

Should I have a corporate entity or LLC? 

Most commercial, non-owner occupied fix & flip and rental portfolio lenders will lend to a corporate entity only and require the existence of a corporation or LLC.  

Should I pay a lender an application fee?

You should not pay a lender an application fee, and our lending partners do not charge an application fee. A legitimate lender should examine an application without requiring a fee.


Loan Programs

Rental portfolio loans 

  • 5+ Rental Properties / Apartment Buildings / Apartment Complexes 
  • $500K – $100+ million
  • Up to 80% LTV for rehab and 80% LTV for currently leased
  • 5, 7, 10, 30 year terms
  • Non-recourse options available
  • Leased portfolio / Construction / Conversion 
  • Nationwide lending
  • Foreign nationals eligible
  • Purchase / Refinance / Bridge
  • Multiple funding sources – Banks / Commercial Mortgage Backed Securities / Private Investors

Commercial loans

  • Office buildings, retail stores, warehouses, self-storage buildings, automotive repair shops, hotels and motels
  • 60% to 75% LTV
  • Up to $100 million
  • A simple financing solution on 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

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

  • Single-family, condos, town-homes, multifamily
  • $75K – $2 million
  • Up to 90% of the purchase and up to 100% of rehab costs (10% Down)
  • Renovation financing available
  • Must be non-owner occupied
  • Nationwide lending 


Credit lines

  • 1-500+ properties
  • Single-family, 2-4 units, condos, town-homes, multifamily
  • $100K – $50 million
  • Up to 90% of assessed value
  • Fixed and floating rate options
  • Renovation financing available
  • Nationwide lending


No Application Fee – No Obligation – 100% Secure

One Inquiry- Multiple Lending Sources

Successful Loan Applications


Rental Portfolio Loans


Commercial Loans


Fix & Flip Loans


Credit Lines

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Springfield, MA 01108

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