| Best for | Buying and renovating 1–4 unit investment property |
| Recent quotes | 9.00%–11.75% (experience tier drives the spread) |
| Leverage | Up to ~90% of cost for experienced investors; ~80% with no recent deals |
| Term | 12–24 months |
| Time to close | About 1–3 weeks |
| What moves price | Documented completed deals in the last 12–36 months |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Common questions
- Do I need experience? Not always, but experienced investors get higher leverage and better rates.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Special situations
No certificate of occupancyWhy a missing CO kills many loans, when it doesn't matter, and which kinds of lenders will still lend.How it gets solvedUnfinished buildingWhy standard loans won't touch partially built property and how construction-completion loans work.How it gets solvedLimited track recordReal quotes showing how one lender's experience tiers moved a rate from 9.00% to 11.75% on the same property.How it gets solvedClaim on the titleHow an affidavit of contract or similar recorded claim stops a loan, and how it gets cleared.How it gets solved
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