Investor Bridge, Fix & Flip & Construction Financing.

Short-term financing to acquire, renovate, or build, then sell or refinance into long-term financing. Leverage grows with your track record, but first-time investors can qualify on select programs, and qualification is driven mainly by the property, the project, and your exit.

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Up to 80% Purchase LTV*

Fix & Flip: Up to 95% LTC / 80% ARV*

100% of Approved Rehab Budget*

First-Time Investor Options*

*Available on qualifying programs. The 95% LTC / 80% ARV leverage applies to experienced investors on the fix & flip program. Eligibility, loan amounts, leverage, and terms vary by program, property, project, and experience.

Renovation funds are generally released through reimbursement draws as completed work is verified; you may need enough cash to fund each phase before it's reimbursed.

Reviewed by Taylor Cabaniss, Founder & Mortgage Broker, NMLS #910852Updated November 2026

Programs

Bridge

Short-term financing to buy or refinance an investment property quickly, built around your exit.

Purchase financing up to 80% loan-to-value; cash-out refinance up to 75%, on qualifying programs
Loan amounts up to $5M+ on qualifying programs; available loan size generally grows with experience
Interest-only payment structures available; no prepayment penalty
Income and employment documentation generally not required on qualifying programs
Close in an LLC, another entity, or your personal name, depending on the program

Fix & Flip and Rehab

The purchase and the renovation in one loan.

For experienced investors on qualifying programs: up to 95% of total project cost, capped at 80% of after-repair value
100% of the approved renovation budget may be financed on qualifying programs
Renovation funds are reimbursed in draws after each phase is inspected, not advanced up front
Newer investors may qualify on select programs, typically at somewhat lower leverage
No prepayment penalty

How renovation draws work: the approved renovation budget is held back at closing and released as each phase of work is completed and verified by an inspector. Because draws reimburse work already done, you need enough cash on hand to fund each phase before it's paid back. The renovation is fully financed, but it isn't pre-funded, we'll help you map the draw schedule before you close.

Ground-Up Construction

Up to 90% of total project cost, capped at 75% of after-repair value (LTARV), on qualifying programs
Loan amounts up to $5M+ on qualifying programs
Infill lots, ADUs, and build-for-sale projects; construction funds released in draws tied to build milestones
Blanket loans can finance multiple lots or homes under one construction loan on qualifying programs
Stronger terms typically available with 2 to 3 completed projects in the last 36 months; no prepayment penalty on qualifying programs

Larger Spec Builds

A separate program offers loan amounts from $2 million to $20 million at lower leverage, up to 65 to 70% of total project cost on loan amounts up to $3 million, stepping down on larger loans. Tax returns are required, and a prepayment penalty applies; we'll walk through it before you choose.

Build to Rent?

Once the property has its Certificate of Occupancy, a DSCR loan can pay off the construction or blanket loan on qualifying programs, no executed lease required on qualifying transactions. See DSCR Takeout Financing

Mixed-Use & Commercial

Talk with us about financing for mixed-use and commercial real estate. Discuss Your Scenario

How Experience Shapes Your Terms

First-time investors, including those with no completed projects, can qualify on select programs
More experience generally opens higher leverage, better pricing, and larger loan amounts
A completed project is typically a documented sale or refinance of a finished property within a recent look-back period
Eligible properties: single-family, condos, townhomes, 2 to 4 units, and small multifamily up to 9 units in South Carolina

Example

How This Can Work

Example

The Experienced Flipper

An investor with several recent projects buys a North Charleston property that needs a full renovation. The purchase and approved renovation budget are financed together at up to 95% of total cost, capped at 80% of after-repair value, and the loan is repaid when the home sells.

FAQ

Frequently Asked Questions

Yes, on select programs, even with no completed projects. Less experience can mean somewhat lower leverage; liquidity, credit, and the strength of the deal can help.

For experienced investors on the fix & flip program, up to 95% of total project cost, capped at 80% of after-repair value, with 100% of the approved renovation budget financed on qualifying programs. Newer investors typically qualify at somewhat lower leverage.

In draws. The renovation budget is held back at closing and released as each phase is completed and inspected, so you'll need cash to fund each phase before it's reimbursed.

Not on our bridge, fix & flip, and short-term ground-up programs. The larger spec build program is the exception, it carries a prepayment penalty, and we'll explain it before you choose.

Yes. Qualifying programs offer up to 90% of total project cost, capped at 75% LTARV, with loan amounts up to $5M+, for infill lots, ADUs, and build-for-sale projects.

Let's Talk

Tell Us About the Project.

The property, the plan, your experience, and your exit. We'll show you which program fits, including the parts that don't favor the deal.

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Run the numbers:Fix & Flip Calculator Interest-Only Mortgage Calculator