Brad's program desk

See the range.
Then structure the fit.

These are useful market starting points—not bait-and-switch quotes. Brad compares the complete structure and tells you what the file must prove.

Route my deal

The placement filter

01Property

Type, condition, occupancy, units, zoning, marketability

02Economics

Price, value, rent, DSCR, cost basis, ARV, leverage

03Execution

Experience, liquidity, entity, timeline, draw readiness

04Exit

Sale, stabilization, refinance, hold period, prepayment exposure

Indicative programs · August 2026

What the market can do. What your deal has to support.

Pricing is only one line of the capital stack. Leverage, fees, payments, reserves, draws, prepayment, and the exit decide whether the structure is actually useful.

01Rental cash flow

Portfolio DSCR

Long-term capital built around the property income.

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Loan size$75K–$3M
Select leverageUp to 85% purchase · 80% cash-out
QualificationProperty cash flow · starting profiles near 600 FICO
  • Purchase, rate-term, and cash-out refinance
  • Highest residential DSCR leverage is limited to eligible 1–4 unit properties and stronger profiles
  • SFR, condos, townhomes, and 2–4 units; 5+ units route to commercial multifamily underwriting
  • Entity vesting, interest-only, and multiple prepayment structures may be available
  • Rent, payment, reserves, seasoning, value, state, and property eligibility control execution
02Transitional acquisition

Bridge purchase

Short-term capital for acquisition, timing gaps, and stabilization.

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Indicative rateFrom the high-7% range*
LeverageUp to 90% LTC · 70% exit value**
Term6–18 months
  • Fast acquisition before permanent financing or stabilization
  • Light-improvement and defined transition scenarios
  • Loan sizes commonly available from $75K to $2.5M
  • Deferred-payment or interest-only structures may be available
  • Purchase price, as-is value, exit value, liquidity, title, and takeout control execution
03Transitional equity

Bridge refinance

Replace short-term debt, finish the plan, or access equity without forcing a sale.

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Indicative rateFrom the high-7% range*
Current valueUp to 80% LTV**
Term6–18 months
  • Rate-term refinance, completion capital, and select cash-out
  • Payoff, lien position, seasoning, and current condition reviewed separately
  • Useful when a hard-money maturity or stabilization timeline does not match the permanent takeout
  • Net proceeds and carry are modeled before the request is sized
04Renovation capital

Fix + flip

Acquisition and rehab financing built around the full project.

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Indicative rateFrom the high-7% range*
LeverageUp to 90% LTC · 100% rehab**
Term6–18 months
  • Purchase plus renovation financing
  • Up to roughly 70% of completed value on select programs
  • Points commonly begin around 1.5–2.5 before broker and third-party costs
  • Experience, scope, draw timing, liquidity, ARV, and sale timeline determine the fit
  • First-time investors can be considered when the deal and team are strong
05Build capital

Ground-up construction

Land and vertical financing structured around the build and takeout.

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Indicative rateFrom the high-8% range*
LeverageUp to 85% LTC · 70% completed value**
Loan size$75K–$2.5M+ on select scenarios
  • Land owned free and clear, land with a payoff, under-contract land, and acquisition-plus-build are analyzed differently
  • Interest may accrue only on funds disbursed; deferred structures may be available
  • Plans, permits, hard and soft costs, contingency, experience, and contractor strength matter
  • Draws are released by verified construction progress
  • The sale or rental-refinance takeout is structured before the loan closes

*Indicative interest-rate ranges observed in August 2026, not APR or a rate quote. Starting-rate examples exclude points, broker compensation, origination, third-party charges, extensions, draw fees, escrows, prepaid interest, and other costs. **Maximum leverage is scenario-specific and is not available to every borrower or property. All ranges can change without notice and require current guideline review, complete documentation, valuation, underwriting, and approval. No rate lock or commitment is created by this page.

The real product is judgment

Let Brad do the guideline work.

Start one deal intake Analyze it first