Built Lending

Loan programs

Four programs. One underwriting desk.

Asset-based financing for builders and investors, sized on cost and value rather than personal income.

Two-story single-family home with a sold sign
Close in as few as 7 days

Bridge

Stabilized or transitional bridge debt for acquisitions, refinances, partner buyouts, and cash-out. Built for auctions, 1031 deadlines, and maturing loans.

Loan size
Up to $6M
Leverage
Up to 80% LTV
Rates
from 8.75%
Term
12–18 months
Origination
0% point options available
Interest Reserve
Full term available
  • Closings in as few as 7 business days
  • Cash-out permitted for business purposes
  • Residential, mixed-use, and multi-family (5+)
  • Extension options available at maturity
Request Terms
Single-family home under construction at golden hour
48-hour draw inspections

New Construction

Financing for new builds or teardown/rebuilds. We fund land acquisition plus 100% of the construction budget through scheduled draws, with inspections turned around in as little as 48 hours.

Loan size
Up to $7.5M
Leverage
75% LTV / 90% LTC / 75% ARV
Rates
from 9.50%
Term
12–24 months, interest-only
Origination
0% point options available
Interest Reserve
Full term available
  • 100% of construction budget funded via draws
  • Options for deferred interest at payoff
  • No income documentation — asset and experience based
  • Experienced builder pricing after first completed project
Request Terms
Contractor renovating an older single-family home
Up to 100% financing

Renovation (Fix + Flip/Hold)

Short-term capital for acquisition and renovation of residential assets. Close in as little as seven business days and draw rehab funds as the project progresses.

Loan size
Up to $6M
Leverage
Up to 100% LTV & LTC / 75% ARV
Rates
from 8.75%
Term
9–18 months, interest-only
Origination
0% point options available
Interest Reserve
Full term available
  • Options for deferred interest at payoff
  • Max 75% of After-Repair Value
  • No prepayment penalty
  • Repeat-borrower pricing and streamlined re-underwriting
Request Terms
Family moving into a single-family rental home
No tax returns

Rental (DSCR)

30-year rental financing underwritten on property cash flow rather than personal income. Ideal for the permanent takeout after a construction or flip exit.

Loan size
Up to $4M
Leverage
Up to 80% LTV
Rates
from 5.75%
Term
30-year fixed, ARM and I/O options
Origination
0% point options available
Portfolio
Up to 20 properties
  • Qualify at 0.75x DSCR or above — no tax returns
  • Single assets and 2–20 unit portfolios
  • Short-term rental income accepted
  • Close in your name or a business entity
Request Terms

General Loan Criteria

Loan Amounts
$75,000 – $7,500,000
Lien Position
First lien only
Borrower
Individual or business entity (LLC, LP, or Corporation)
Geography
41 states — excluding AZ, NV, OR, ID, UT, ND, SD, MN, VT
Property Types
SFR, 2–4 unit, condominiums, multifamily (5+ units), mixed-use
Term Sheet
Indicative terms in under one hour
Occupancy
Non-Owner-Occupied
Closing Speed
As few as 7 business days