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REAL ANSWERS. STRAIGHTFORWARD GUIDANCE.
Frequently Asked Questions
Have questions about our lending process, eligibility, or property types? We’ve compiled the most common ones to help you move forward with confidence.
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Do you provide 2nd position loans?Yes, but it must be disclosed and approved upfront. We’re open to creative structures if the deal makes sense and our lien position is protected.
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What’s your process after I submit my request?Once we receive your request and documents are obtained, we perform an initial review within 24–48 hours. If it is determined we can fund your request, we will issue a term sheet and aim to close within 7–20 days. The timeline depends on title and how quickly the borrower provides the information we are requesting.
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Do you report to credit bureaus?No, we do not report to consumer credit bureaus.
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What credit score do I need to qualify?We review credit, but we don’t have a strict minimum. Deals with strong equity or collateral can be approved with lower scores.
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What types of properties do you lend on?We lend on investment properties including single-family, multifamily, and commercial assets. We do not lend on owner-occupied primary residences.
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Do you require income verification or tax returns?No traditional income verification or tax returns are required. We underwrite primarily based on the asset and deal structure. We verify no bankruptcy, tax liens, or other liens have been filed against the property or the entity requesting the loan.
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