Acquisition and renovation financing for 1–4 unit investment properties. No appraisal and no minimum credit score. First time rehabbers accepted.
Qualified borrowers can get 100% loan-to-cost when the total loan is 65% or less of the after-repair value (ARV).
We evaluate the property and business plan directly in-house, bypassing the 3–4 week appraisal bottleneck common with conventional institutions. This asset-based approach keeps upfront costs down and allows us to issue terms and close within days.
There's no minimum FICO score to qualify. Approval isn't based on credit — we underwrite the deal, not just the borrower.
First-time flippers and seasoned investors alike — we sponsor the deal on its merits.
Acquisition and renovation financing for single-family (1–4 unit) non-owner-occupied properties across the DC Metro market. We fund the purchase and the rehab through scheduled draws — no appraisal, no minimum credit score.
Finance up to 70% of the after-repair value and 100% of your project costs — with no appraisal delay.
| Parameters | Details |
|---|---|
| Loan Size: | $250,000 – $3,000,000 |
| Leverage: | Up to 70% ARV · 100% LTC |
| Term: | Up to 12 months |
| Rate: | Starting at 9.99% |
| Structure: | Interest-only carry · Rehab budget released through scheduled draws |
| Asset Types: | Single-family, 1–4 units · Non-owner-occupied investment only |
| Use Cases: | Fix & flip · Ground-up / tear-down · Bridge-to-refinance |
| Recourse: | Non-recourse available · Standard carve-outs |
| Sponsorship: | All experience levels · First-time builders considered |
| Appraisal: | No Appraisal |
| Minimum Credit Score: | No Minimum FICO |
| Lending Area: | Washington DC, Maryland and Virginia (DC Metro) |
Asset-First Underwriting: We evaluate the complete deal—property equity, project margin, and exit strategy—rather than disqualifying borrowers based on credit score cutoffs.
From submission to your first draw, here's what to expect.
Send us the address, purchase price, and scope of work — no tax returns or income docs needed.
We underwrite the property and the plan, not just your credit, and respond within one business day.
No appraisal to wait on — most deals move from approval to closing in days, not weeks.
Rehab funds release on a scheduled draw basis as milestones complete, keeping your carry costs down.
A short-term, asset-based loan that funds both the purchase and renovation of a non-owner-occupied 1–4 unit property, with rehab dollars released through scheduled draws as work is completed.
Loan sizes run from $250,000 to $3,000,000, with leverage up to 70% of after-repair value (ARV). Qualified borrowers can reach 100% of purchase and rehab cost (loan-to-cost) when the total loan is 65% or less of ARV.
No. Approval is based on the deal — the property, the plan, and the numbers — not a minimum FICO score.
No appraisal is required. We use our own valuation process, which helps keep timelines short and closing costs down.
Rates start at 9.99% with terms up to 12 months. Loans are interest-only, and the rehab budget is released through scheduled draws.
Most loans close in 5 to 10 days from a complete application, and we typically respond to a new deal within one business day.
Through scheduled draws tied to completed work, so you're carrying interest only on funds you've actually used.
Yes. First-time rehabbers are accepted. We sponsor deals across all experience levels based on the strength of the property and the plan.
Washington DC, Maryland, and Virginia.
Submit your deal and hear back the same business day.
