What type of properties can you fund for DSCR?

Non-Owner Occupied:

- Single Family Residences (SFR)

- 2-4 unit properties

- Warrantable condos

- Townhomes

- PUD

What is Transactional Funding?

Transactional funding is a brief-term loan extended to wholesalers involved in purchasing and reselling a property on the same day. Commonly referred to as a "Back to Back Closing" or "Double Closing," these transactions involve three parties. The seller is designated as "Party A," the wholesaler as "Party B," and the end buyer as "Party C." This type of funding arrangement is also known as "A-B - B-C" transactions. No credit checks, bank statements, or income documentation needed!

Experience comprehensive funding solutions for transactional loans, including Double Closings and other escrow-based transactions, ensuring seamless financial support. With our expertise, funds remain securely held in escrow until the final disbursement, enabling smooth transactions.

Our services are offered at a competitive flat fee. We specialize in loans up to $1,500,000, usually funding within 24 hours. We do require both the A-B and B-C transactions occur at the same settlement office or title company.

How fast can you close for Investor Funding?

For our Fix/Flip, New Construction, and Bridge we will close typically in 2-3 weeks but can close faster with appraisal, title, and other necessary docs in hand. Our Rental DSCR can close in 4-5 weeks. We can close quicker with above-average response times, great organization, and preparation. For Earnest Money Funding a minimum of 3-4 business days.

Can you help me with a Real Estate Lead?

If you have a seller who is open to discussing Seller Finance/Terms or if you have a pre-foreclosure lead to submit, @JenTheCloser will call your lead personally or a Closer on our team will reach out to your lead. This will be done through a Joint Venture Agreement.

Transaction Coordination Fees will now be included in the Entry Fees. Please utilize the Lead Intake Form for all lead submissions. The contact form is solely for general questions about services or partnerships and should not be used for submitting leads. We have a streamlined submission process in place. Submitting the Lead Intake form does not imply a contractual agreement or guarantee that we will contact your lead. We will respond within 1-3 business days, often sooner.

When using the Lead Intake Form, please think about these items:

  • Property Type

  • Vacant or Occupied

  • City and State

  • Stage of the lead

  • Issues faced with the lead

  • Last contact with the lead:

  • Exit strategy for the property:

  • Ultimate goal of the call:

  • Amount owed

  • ARV/Repairs (if available):

Upon acceptance of your lead, we prioritize maintaining transparency and keeping you informed. We recognize the significance of this area and want to assure you that you will have complete access to the status of your lead, contracts, and files. Our commitment to open communication means you will stay fully informed throughout the entire process.

Do you fund to a personal name?

We cannot fund to a personal name due to our most of our programs commercial/investor funding. We can only fund to an entity i.e. LLC, S-Corp, C-Corp, etc. For earnest money, we will fund to your personal name.

Can you lend as a second lien position for seller financing?

Unfortunately for all of our loans we must be in the first and only lien position. With a seller holdback we cannot lend unless we pay off the seller holdback lien and then we can refinance into a new loan where we are the sole and only lien holder.

Are you a direct traditional lender?

No, we are a non-institutional private money lender. With private money, we control all of our loan decisions related to our funds. We deploy our private funds on select projects as they become available and also manage multiple capital sources to provide the very best options and flexibility for our borrowers.

Our private money operates on a different system than that of a traditional mortgage loan officer. We aren’t affiliated with a traditional financial institution like a bank or credit union, which gives us more freedom to offer flexible loan terms with less stringent requirements. Traditional mortgage loan officers have to follow borrowing guidelines set by the federal government or government-sponsored entities for loans like FHA, whereas private lenders determine their own lending criteria and underwriting processes.

We also have outstanding loan officers for government-backed loans, so please reach out if you need a referral..

Are your loans considered “full documentation” loans?

Our loans are considered “light doc” loans where we are looking at the liquidity, creditworthiness, experience of the borrower, and deal specifics. We require proof of liquidity through bank statements and a stated income personal financial statement but we are not looking at tax returns and income verification.

Do you fund in all States?(applies to investor loans, not transactional)

We lend in all states except for North Dakota, South Dakota, Minnesota, Vermont, and Idaho.

Depending on where the property is located we may not be able to lend if it is designated as rural. This usually is an issue due to population density and if we are not comfortable with getting comps that are within a reasonable distance to the property.