We provide short-term bridge loans to purchase and renovate investment properties. Our loans support fixing and flipping, fixing and renting, buying and holding properties for future construction, and adding ADUs. Our technology enables closing with the speed of a local hard money lender while pricing at a much more affordable debt cost.

  • Eligible Properties: 1-4 unit residential and 5-20 unit multifamily (larger unit counts may also be considered)
  • Loan Amount: $100,000 to $1,000,000 (may go higher for larger multifamily)
  • Interest Rate: 8-12% (terms depend on location, experience, and leverage)
    Loan Fees: Starting at 1-2pts + $1,495 (covers appraisal, processing, and underwriting)
  • Loan Term: 12-month standard, but can range between 6-24 months
  • Closing Speed: 3-10 business days; experienced investors can close without an appraisal
  • Loan to Value: Up to 85% of purchase price and 100% of rehab, up to 75% ARV
  • Liquidity Required: Down payment + closing costs + 30% of rehab budget + 6 months of payments
  • Minimum FICO: 660 (based on a soft credit pull)
  • Draw Process:  Rehab draws are reimbursed within 2-3 business days (requires a virtual inspection and lien release)
  • Experience:  We count completed flips and BRRRRs within the last 3 years as part of your experience; we lend to new investors too!

We currently lend in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Maine, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, and Washington. We can lend in other states if you are doing a lot of volume there. Rural properties are not eligible.

We also provide 30-year LLC rental loans based on property cashflow. Click here for more details on our short-term bridge and long-term rental products.

To get started, please complete a 5-minute submission at certainlending.com.