Anyone reworking deals they passed on?

[Joyce Ann Magallanes]

Been seeing more flexibility lately across different types of deals, especially on projects that didn’t quite work before.

It feels like more deals are getting a second chance simply based on how they’re structured.

If you’ve got something you passed on recently, it might be worth revisiting with a fresh look. Curious if anyone else is seeing the same shift right now?

Fix & Flip
More leverage is back for the right deals.
• Up to 100% financing available for highly experienced investors*
• Minimum FICO starting at 720 for highest leverage tiers
• Up to $800K loan amount ($1M in select markets)
• Experience now based on completed rehabs within the last 3 years, in any state.

Ground-Up Construction
More flexibility on timing and structure.
• Extended seasoning – up to 24 months
• Recent purchases may still qualify under purchase leverage (delayed purchase structure)
• Experience can include both ground-up and heavy rehab projects.

Rental / DSCR & Short-Term Rental
More room to make deals work.
• Short-term rental scenarios allowed in supported markets
• Up to 80% of projected income (AirDNA-supported markets)
• Minimum FICO starting at 660
• Reduced DSCR requirements depending on credit profile
• Reserves lowered to:
  – 6 months for U.S. citizens
  – 9 months for Foreign Nationals
• Expanded liquidity options, including cash-out proceeds and HELOCs

If you’re working on a deal, feel free to share it — if it fits, we’ll put together a term sheet and proof of funds.

*All terms, rates, leverage, appraisal waivers, and structural options are subject to credit review, property eligibility, and final underwriting approval. Not all borrowers or properties will qualify. Investment properties only. Some programs are available in selected states only.