Every investor is unique — some are financing their first property, others are managing a diverse portfolio. Here's how our programs are structured, so you can find the fit before you apply.
Every program is built around the property, not a personal income statement.
30-year fixed or adjustable-rate loans that pay down principal and interest every month, with no balloon payment waiting at the end of the term.
Every loan is structured to fully amortize over its term, so you're never left refinancing under pressure to cover a lump-sum payment.
Short-term financing for investors renovating and reselling a property, structured around the after-repair value and your project timeline.
| Term | Detail |
|---|---|
| Loan amount | $75,000 – $5,000,000 |
| Max loan-to-value | Up to 75% LTV (up to 80% on Investor 1–4) |
| Rate type | 30-year fixed, adjustable, or interest-only |
| Amortization | Fully amortized, fixed-rate, adjustable-rate, and interest-only options available |
| Credit score | No minimum |
| Income documentation | No tax returns or proof of income required |
| Debt service ratio | Not required |
| Occupancy | Non-owner-occupied only on Investor 1–4; can be owner-occupied on multi-family, mixed-use & commercial |
| Lender type | Direct / correspondent lender — not hard money |
| Underwriting | In-house processing and underwriting |
| Property types | Investor 1–4, multi-family (5+ units), mixed-use, commercial |
| Where we lend | Nationwide in 42+ states, headquartered in Massachusetts |
