Our interest rates typically range from 6.99% to 12.99% depending on the loan program, property type, loan-to-value ratio, borrower experience, and credit profile. Fix & flip loans generally start at 8.99%, rental property loans at 6.99%, and bridge loans at 9.5%. We offer competitive rates compared to other private money lenders and provide transparent fee structures with no hidden costs.

Our typical timeline from application to funding is 5-10 business days. Pre-qualification decisions are usually provided within 24-48 hours of initial consultation. The exact timeline depends on how quickly you can provide required documentation and the complexity of the property. For time-sensitive deals, we offer expedited processing that can close in as little as 3-5 business days for an additional fee.

Our documentation requirements are streamlined compared to traditional lenders. Typically, you'll need to provide: government-issued ID, completed loan application, property details (purchase contract or address for refinances), proof of funds for down payment, basic income verification (varies by loan program), and information about your investment experience. For fix & flip loans, we also request a scope of work and after-repair value estimate.

Most of our loan programs have minimal or no prepayment penalties. Fix & flip and bridge loans typically have no prepayment penalties after 3 months. Rental property and commercial loans may have prepayment penalties during the first 1-3 years, depending on the term. We structure our loans to align with your investment strategy, and we're transparent about any prepayment terms before you commit.

We finance a wide range of investment properties including single-family homes, multi-family properties (2-4 units and 5+ units), condos, townhomes, mixed-use properties, commercial properties (retail, office, industrial), and land with development plans. We lend on properties in various conditions, including those needing significant renovation. Currently, we primarily lend in Colorado, with select lending available in neighboring states.

Yes, we have loan programs available for borrowers with credit challenges. While our standard programs typically require a minimum credit score of 600+, we evaluate each application holistically, considering the property's value, your investment experience, down payment amount, and exit strategy. For borrowers with scores below 600, we may require a larger down payment or slightly higher interest rate. We also offer credit repair services to help improve your score for future financing needs.