Your lending journey, step by step

Two clean ways to price the money:

• Bet on Yourself — 10.5% and 2.5 points for 6 months. Our lowest cost to start, for investors who hit their timeline.
• The 12-Month — 10% and 5 points for a full year, with points rolled in to keep your monthly payment low.

Before you shop, get a read on what you can borrow. We look at your experience and the cash you have available — usually back to you the same day.

• Know your max leverage before you write offers.
• A pre-approval letter makes your offer stronger with sellers.
• No obligation to move forward.

Tell us as much as you know — every field is optional. The more you share, the faster we can size it up.

• Property address, purchase price, rehab budget, and your expected after-repair value (ARV).
• Upload photos and a walkthrough video — this tells the story faster than anything.
• Add a contract or scope of work if you have them. If not, no problem.

This is where your numbers meet our leverage. How much you put down sets how far we’ll go on the finished value:

• No money down → up to 65% of ARV
• 10% down → up to 70% of ARV
• 20% down → up to 75% of ARV

We also weigh your experience, liquidity, and the strength of the exit. Rate and points depend on the structure you choose.

Your ARV is the backbone of the loan, so we verify it. Depending on the deal that’s a third-party appraisal or an in-house valuation.

• We review your scope of work against the ARV to make sure the budget and the finished value line up.
• Turn times are quick — we know a slow appraisal can kill a deal.

Once we’re comfortable, you get terms in plain English:

• Loan amount, rate, points, and term — nothing buried in fine print.
• Your rehab draw schedule so you know how funds are released.
• A short list of items to close: entity docs, insurance, and title.
• A flat $1,000 document preparation fee — disclosed up front, no junk fees stacked on top.

Closings happen at a title company or attorney, just like any real estate transaction — only faster.

• Bring: your down payment (if any), entity documents (LLC), and proof of insurance.
• Funds are wired at closing so you can take the property down.
• From a complete file, we regularly close in as few as 5 business days.

We don’t hand over the whole rehab budget on day one. It’s released in draws as milestones are completed, which protects you and the project.

• Finish a stage, request a draw, and we verify the work.
• Approved draws are typically funded within 24–48 hours.
• Draw schedules are flexible and set up front on your term sheet.

Payments are interest-only, which keeps your monthly cost low while you execute. On some structures we roll the points into the loan so you’re not paying them out of pocket.

• No prepayment penalty — pay it off the day you sell.
• Running long? Extensions are available (for example, added points to extend a short-term loan).

Your exit is how the loan gets repaid: sell the finished property, or refinance into a long-term loan (like a 30-year DSCR) if you’re keeping it as a rental.

• We handle the payoff through title at your closing or refinance.
• Repeat borrowers move even faster — we already know your track record.