Fix & Flip
Finance an investment-property purchase and documented renovation plan with a sale or rental refinance exit.
Residential 1–4 units and select multifamily projectsExplore the programFor borrowers
Find the financing path for your property.
Start with the transaction you are trying to complete. The property, business plan, requested leverage, available cash and repayment strategy determine which financing structure deserves a closer review.
Choose by transaction
What are you financing?
Use the property and intended business plan to narrow the starting point. Final eligibility and terms depend on complete underwriting.
Rental Properties — DSCR
Size residential rental financing primarily from qualifying property rent and the proposed housing payment.
Purchases, rate-and-term refinances and cash-out refinancesExplore the program
Commercial Properties
Finance income-producing or owner-occupied commercial real estate using the applicable property or business cash-flow framework.
Multifamily, office, retail, industrial and other eligible property typesExplore the program
Ground-Up Construction
Connect the lot, approved budget, construction schedule, borrower equity and completed-property exit in one capital plan.
Residential and commercial construction projectsExplore the program
Hard-Money Bridge Loan
Fund a time-sensitive acquisition or temporary property condition with a defined repair, lease-up, sale or refinance event.
Short-term financing for residential and commercial propertiesExplore the program
Lot Loans
Finance an eligible residential, commercial or mixed-use lot after reviewing access, intended use, utilities and the next capital event.
Select improved and unimproved investment lotsExplore the programPlanning tools
Test the transaction before you submit it.
Project economics
Fix & Flip calculator
Model project profit, financing, cash requirements and the effect of cost or timing changes.
Open the calculatorRental coverage
DSCR calculator
Compare qualifying rent with the proposed payment and estimate the lower of the DSCR- and LTV-based limits.
Open the calculatorCommercial cash flow
Commercial loan calculator
Test property NOI or owner-occupied business cash flow against the proposed debt structure.
Open the calculatorDocuments by loan type
Prepare the forms that fit the financing path.
Start with the property address, requested loan amount, use of proceeds, timing, borrower or entity information, liquidity and repayment plan. Then use the loan-type guide to identify the forms most likely to apply.
DSCR rental
- Lease, rent roll or supported market-rent information
- Property insurance and current mortgage information
- Entity and guarantor documents
- Appraisal and rent schedule when requested
Commercial real estate
- Rent roll, leases and occupancy
- Operating statements and property or business cash flow
- Property condition, valuation and existing debt
- Supported acquisition, stabilization or refinance plan
Fix & Flip
- Purchase contract and current property condition
- Itemized renovation budget and scope of work
- Contractor qualifications and project schedule
- Completed-project experience and sale or refinance exit
Ground-up construction
- Site control, plans, permits and approvals
- Detailed construction budget and schedule
- Contractor qualifications and completed-project experience
- Interest, contingency and completion liquidity
Bridge
- Current condition, occupancy and operating performance
- Immediate repairs, lease-up or other transition work
- Borrower liquidity and carrying-cost plan
- A dated sale, refinance or other repayment event
DSCR rental
- Lease, rent roll or supported market-rent information
- Property insurance and current mortgage information
- Entity and guarantor documents
- Appraisal and rent schedule when requested
Commercial real estate
- Rent roll, leases and occupancy
- Operating statements and property or business cash flow
- Property condition, valuation and existing debt
- Supported acquisition, stabilization or refinance plan
Fix & Flip
- Purchase contract and current property condition
- Itemized renovation budget and scope of work
- Contractor qualifications and project schedule
- Completed-project experience and sale or refinance exit
Ground-up construction
- Site control, plans, permits and approvals
- Detailed construction budget and schedule
- Contractor qualifications and completed-project experience
- Interest, contingency and completion liquidity
Bridge
- Current condition, occupancy and operating performance
- Immediate repairs, lease-up or other transition work
- Borrower liquidity and carrying-cost plan
- A dated sale, refinance or other repayment event
These lists support preparation; they are not complete underwriting requests. Provide sensitive documents only through the secure process confirmed by the financing team.
Documents by type
Download the current forms and templates.
Choose the document below. Confirm the required form and edition with the financing team before completing it.
Applications and borrower informationApplications and borrower questionnaires
Financial and property schedulesOperating, liquidity and property schedules
Personal financial statement with SREO
DownloadT-12 monthly operating statement
DownloadProperty operating statement
DownloadRent roll with unit mix
DownloadPortfolio property information
DownloadTrack record with SREO
DownloadStabilized budget and three-year P&L
DownloadBusiness debt schedule
DownloadBusiness annual P&L
DownloadBusiness quarterly P&L
DownloadBusiness monthly P&L
DownloadRent payment ledger
DownloadConstruction and property formsBudgets, scopes and property review
Authorizations and disclosuresBorrower permissions and required notices
Borrower certification and authorization
DownloadCash-out letter of explanation
DownloadAppraisal point of contact
DownloadPrimary point of contact
DownloadVerification of mortgage
DownloadW-9 (March 2024)
DownloadECOA and Fair Credit Reporting disclosure
DownloadACH authorization
DownloadCredit-card authorization
DownloadGovernment forms retain their issuing-agency language; confirm the required edition before signing. Entity templates may require legal review. Return completed forms only through the secure channel provided for your transaction.
Borrower education
Understand the decision before the term sheet.
How Much Cash Do You Need to Buy a Rental Property?Separate purchase equity, closing costs, reserves and post-closing liquidity before choosing a loan amount.Read the guide 
How One-to-Four-Unit DSCR Loans WorkUnderstand qualifying rent, PITIA, DSCR, leverage and the evidence used to evaluate a residential rental loan.Read the guide 
How Owner-Occupied Commercial Real Estate Loans WorkConnect operating-business cash flow, property value, equity and guarantor obligations before buying business premises.Read the guide Your next step
Have a deal in mind?
Start with a question, or send the full financing details.