Most investors are further along than they think. Let me show you what's actually available to you right now — across 140+ lender relationships, at every stage of the journey.
Find your program below. Each one maps to a specific stage of your investor resume — and I'll tell you exactly which one fits your current deal.
No track record required. A licensed, experienced GC gets you in the door on your first build.
Fix & flip history and rentals both count. You're likely already "experienced" in the lender's eyes.
FHA up to 96.5%. VA up to 100% for eligible veterans. Owner-occupied. The door in for buyers without a full down payment yet.
Experienced investors who need to move fast or have a deal requiring flexible underwriting.
Qualifies on cash flow, not personal income. Scale your rental portfolio without the paperwork.
DSCR underwriting on 5–8 units. Documents multi-family experience. Opens bigger doors.
Pull equity without touching your low-rate first mortgage.
Extract equity from your rentals and fund your first (or next) construction project.
Revolving credit against primary or investment property. Low-cost, reusable capital.
Acquire before permanent financing is in place. Speed is the edge.
Acquire your replacement property before the exchange completes. Keep the momentum.
Every flip is documented experience — and it opens doors to construction financing.
Ground-up for 5+ unit properties with construction-to-permanent financing.
20, 40, 80+ unit ground-up and mixed-use development. CCT team coordination.
Converting commercial assets to residential or mixed-use.
Wherever the deal is. Licensed in 49 states (every state except New York) with coverage depending on program and lender.
If you're wondering — you're not the first. These are the questions I get on nearly every call.
DSCR stands for Debt Service Coverage Ratio — a loan that qualifies based on the rental income of the property, not your personal income. If the property generates enough rent to cover the debt payment, you can qualify. It's ideal for self-employed investors, W2 earners with multiple properties, and anyone scaling a rental portfolio without wanting to pile paperwork on every deal.
No — there's a specific zero-experience program built for first-time builders. A licensed, experienced general contractor on your team satisfies the experience requirement, getting you into your first ground-up build. Every deal after that makes the next one easier to finance.
Yes. Most investor loan programs — including DSCR, fix & flip, bridge, and construction — support closing in an LLC, corporation, or in some cases a trust. This is standard practice for portfolio protection and tax structuring.
Fix & flip loans are short-term (typically 6–24 months) and cover purchase plus renovation — designed for properties you plan to sell. DSCR loans are long-term rental financing — designed for properties you plan to hold. A common strategy is using a fix & flip loan to acquire and rehab, then refinancing into a DSCR loan once the property is stabilized and leased (the BRRRR method).
LTC (Loan-to-Cost) is the loan amount as a percentage of total project cost — used for construction and rehab deals. LTV (Loan-to-Value) is the loan as a percentage of the property's current or post-renovation value. Construction lenders typically use both: up to 85–90% LTC and 65–70% LTV of ARV (After Repair Value). I'll walk you through exactly where your deal lands before we submit anything.
Yes — several programs allow short-term rental income (using projected or historical STR revenue) for DSCR qualification. Program availability varies by lender and market, but it's a growing area. Submit your deal and I'll match you to lenders who actively work with short-term rental investors.
It depends on the loan type. Fix & flip and bridge loans can close in as little as 7–14 days in the right scenario. DSCR loans typically run 21–30 days. Construction loans are longer — 30–45 days depending on scope. I'll set a realistic timeline upfront and push hard to hit it.
None. Submit your deal, call, or text — no credit pull required to start. I'll review the scenario, tell you which programs fit, and what the realistic terms look like. A credit review is required for formal application, but we don't start there.
If you've got a deal, a question, or you're not sure which program fits — just call or text. I'm highly responsive and I'll give you a straight answer, not a pitch.
763-373-9360 · Direct line
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