Our Process
We built our process around one principle: serious investors don't have time to waste. Every step is designed to move fast without cutting corners.
Complete our streamlined online form in under 5 minutes. Tell us about the property, the deal structure, and your experience. No tax returns or pay stubs required for most programs.
What's needed / what to expect
Within 2 hours, a dedicated loan officer will review your file and issue a preliminary term sheet outlining your rate, LTV, points, and estimated closing date.
What's needed / what to expect
Once you accept the terms, we'll collect a focused set of documents. Our underwriting team moves quickly — we don't drag our feet waiting on items that don't move the needle.
What's needed / what to expect
Our in-house underwriting team reviews your file and a third-party appraisal or BPO is ordered. Most loans receive a final commitment letter within 5–7 business days.
What's needed / what to expect
Loan is disbursed to the title company on the day of closing. You close the deal. We celebrate with you.
What's needed / what to expect
Common Questions
No. We work with both experienced investors and first-time borrowers. Your exit strategy, the property, and the deal economics matter most.
Our record is 3 business days. Most deals close in 5–10 business days depending on title, appraisal, and document turnaround.
We prefer 680+, but we evaluate each deal holistically. Strong deal economics can offset a lower score.
No application fees. You'll only incur costs if you move forward — typically an appraisal fee and points at closing.
Yes. Most of our borrowers close in an LLC, LP, or other business entity. We encourage it.
We lend in 44 states. Contact us to confirm availability in your market.
Apply now and receive a term sheet within 24–48 hours.
