Residential Non-Owner-Occupied Lending

Tailored financing solutions for real estate investors.

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Loan Programs & Services

  • • Non-owner occupied 1-4 unit residential

    • Single family residence

    • 2-4 unit multifamily

    • Condominiums

    • Townhomes

    • Planned unit developments (PUD)

    $50,000 - $1,000,000

  • • Non-owner occupied 1-4 unit residential

    • Single family residence

    • 2-4 unit multifamily

    • Condominiums

    • Townhomes

    • Planned unit developments (PUD)• Non-owner occupied 1-4 unit residential

    • Single family residence

    • 2-4 unit multifamily

    • Condominiums

    • Townhomes

    • Planned unit developments (PUD)

    $50,000 - $3,000,000

  • • Non-owner occupied only

    • Single family residence

    • 2-4 unit multifamily

    • Warrantable condominiums

    • Townhomes

    • Planned unit developments (PUD)

    Purchase or Refinance

    $75,000 - $2,000,000

  • The Turnkey Digital Data Room: All processed documents, clear financial schedules, and verified records are hosted in an institutional-grade, highly organized digital secure folder. This layout drastically accelerates secondary lender requests.

    Full Package Ownership: The completed credit memorandum, stress-tested models, and narratives belong entirely to your firm. If an assigned lender changes their institutional risk parameters, you hold a pristine, portable asset package ready for immediate re-submission elsewhere.

    Compressed Funding Timelines: Providing an institutional-grade credit package cuts typical bank processing and processing times in half, preventing deal fatigue and locking in target interest rates faster.

  • Private Solutions include, but are not limited to:

    • Tailored Acquisitions & Private Deal Flow: A dedicated team assembled exclusively to source, vet, and secure high-value opportunities aligned with your exact criteria.

    • An Elite Advisory Network: Immediate access to our vetted inner circle of premier professionals—including institutional Underwriters, Financial Analysts, Legal Counsel, CPAs, Architects, Engineers, and Tier-1 Contractors.

    • Direct Executive Partnership: Private, one-on-one strategic consultation and ongoing alignment directly with our CEO.

    • Comprehensive Strategy & Master Planning: Complete, customized execution blueprints, rigorous risk assessments, and a dedicated vanguard team to guide your venture to a flawless finish.

We offer a range of services to meet the needs of every client. Have something else in mind? We'd be happy to work with you to create a custom quote.

Our Process

1. Digital Intake & Scenario Review

Your deal starts here. Submit your initial scenario or jump right into our secure lending portal. We don’t require mountains of personal tax returns—just the core details of your property, your entity, and your real estate track record.

2. Processing & Scenario Underwriting

Once submitted, your file enters our dedicated underwriting pipeline. Unlike traditional PML, our underwriting is entirely asset-driven. For Fix & Flips, we evaluate your construction budget and ARV; for DSCR, we look at the property’s cash flow.

3. Clear-To-Close & Funding

Once title, insurance, and third-party valuations (or appraisals) are cleared, we move swiftly to the closing table. Because we operate via institutional table funding, the capital is ready and waiting. We fund the transaction directly at the closing table, ensuring a seamless, professional experience for you and your sellers.

4. Institutional Servicing & Draw Management

Our commitment doesn't end at the closing table. Your loan transitions into our elite, bank-grade servicing ecosystem. For long-term DSCR rentals, you’ll enjoy frictionless automated payments. For Fix & Flips and Ground-Up builds, our technology-driven draw management platform ensures construction draws are inspected, approved, and wired rapidly so your contractors are never left waiting.