Frequently Asked Questions

You submit your deal once through our form or by calling Jeff directly. He personally reviews the scenario, matches it to the lender from our 200+ relationships most likely to fund it, and gets you written terms — usually inside 24 hours.

A real person — Jeff LaVigne, the founder. There's no junior intake desk or offshore call center reading from a script. Jeff reviews every scenario personally and tells you straight whether it's fundable.

Both, depending on the deal. On some scenarios we fund directly; on others we connect you with the best-fit partner from our lender network. Either way, you get one point of contact and one process from submission to closing.

Most scenarios get a response within 24 hours — many inside a few minutes once the file is complete. Urgent deals (tight payoff deadlines, signed purchase contracts) get priority handling; call Jeff directly for same-day attention.

DSCR (Debt Service Coverage Ratio) loans qualify on the rental income the property generates — not your personal income, tax returns, or W-2s. That makes them ideal for investors scaling a portfolio without hitting a DTI wall.

Yes. Up to 90% of purchase price plus 100% of the rehab budget, with fast draw releases so your crews aren't waiting on a slow inspection cycle. Interest-only through the rehab and resale period.

Yes — lot acquisition plus vertical construction in one structure, up to 85% LTC and 70% of the after-repair value, for spec builders, infill developers, and build-for-rent projects.

Yes — 5+ unit multifamily, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add capital from $1M into eight figures, with bridge, agency, and CMBS options depending on the asset.

It varies by program. DSCR and bridge products can go as low as the mid-600s; hard money options can work with lower scores when the asset and equity position support it. Jeff will tell you exactly where you stand once he reviews your scenario.

Not for DSCR, bridge, fix & flip, or hard money — those qualify on the asset and rental income. Full-doc options exist for SBA and some commercial products where income verification is required by the program.

Yes — most investment and commercial programs are built for entity closings (LLC, corporation, partnership). This is standard for investment property and typically doesn't complicate the file.

Yes, on select DSCR and bridge programs. Documentation requirements differ slightly — Jeff will walk you through exactly what's needed for your citizenship status.

Rates depend on loan type, leverage, credit, and the property. Because we're not locked into a single lender's rate sheet, we shop your deal across 200+ relationships to find competitive terms rather than a one-size-fits-all number.

Typically up to 80% LTV on DSCR and commercial, up to 90% LTC on fix & flip, and up to 85% LTC on new construction — exact leverage depends on credit, experience, and the specific asset.

Some longer-term DSCR and commercial products carry a prepayment structure; bridge, fix & flip, and construction loans generally do not, since they're built to be paid off on exit. Your term sheet will spell this out clearly before you sign anything.

As fast as 5–8 days on bridge and DSCR when the file is clean and complete. Construction and commercial deals typically run 14–30 days depending on third-party reports and title work.

Varies by program, but commonly: entity documents, purchase contract (if applicable), insurance binder, and property-specific items like rent roll or scope of work. Jeff will send you an exact checklist once your scenario is matched.

We coordinate the full closing process end to end — title, appraisal, docs, and wire — so you're not chasing five different vendors on your own.