Deals others said were impossible.

Borrower Profile

Experienced flipper, 640 FICO, recent credit event from a closed business line.

Property

Single-family rehab in a Class B suburban market, 38% ARV basis at acquisition.

Challenge

Conventional fix-and-flip programs declined on credit. Borrower needed certainty of close before losing the contract.

Financing Structure

• LTC reduced from 90% to 80% to offset credit risk
• Desktop appraisal in lieu of full interior
• Interest-only, 12-month term
• Borrower liquidity preserved for rehab carry

Creative Solution

• Reframed file from credit-driven to deal-driven
• Negotiated reduced leverage in exchange for credit waiver
• Used desktop valuation to compress timeline by 14 days

Borrower Profile

Active flipper running 6 concurrent projects.

Property

Estate sale, 2.5 weeks to close, three competing cash offers.

Challenge

Standard appraisal queues were 3+ weeks. Seller would not extend.

Financing Structure

• Reduced leverage from 93% to 88%
• AVM-driven value, supported by BPO
• Interest-only, 12 months
• Funded via wire on day 3

Creative Solution

• Traded ~5% in leverage for total certainty of close
• Ordered BPO within 24 hours; AVM ran same-day
• Cleared title and entity docs in parallel with valuation

Borrower Profile

Investor with recent BK discharge and active collections.

Property

Dated single-family in a rapidly appreciating submarket.

Challenge

Every credit-based program declined immediately on tri-merge pull.

Financing Structure

• True no-credit-check, asset-based underwriting
• Collateral and exit drove approval
• Experience-based review of prior projects

Creative Solution

• Removed credit from the equation entirely
• Built a file around the asset, the comps, and the borrower's track record
• Used reserves to demonstrate capacity instead of credit history

Borrower Profile

First-time small-multifamily sponsor with strong single-family track record.

Property

Under-rented 6-unit, ~40% below market rents.

Challenge

Asset wouldn't DSCR at acquisition. Bank wouldn't touch it until stabilized — but the deal had to close now.

Financing Structure

• Bridge sized to as-is value, 80% LTC
• Interest reserve to carry the stabilization period
• Pre-underwritten DSCR take-out at month 9

Creative Solution

• Single capital relationship across bridge → permanent
• Stabilization runway built into bridge structure
• No second appraisal at refinance

Borrower Profile

Portfolio investor with $4M in low-leverage assets, low post-tax liquidity.

Property

Off-market 12-unit, time-sensitive seller.

Challenge

Borrower had equity, not cash. Down payment was the blocker.

Financing Structure

• Blanket lien across 4 free-and-clear rentals
• Combined LTV held below 75% of portfolio value
• Pre-agreed release prices for future sales

Creative Solution

• Pulled equity from the portfolio to fund the entire down payment
• Single closing, single facility, single coupon
• Preserved liquidity for capex on the new asset

Borrower Profile

Builder banking shovel-ready lots, free-and-clear basis.

Property

Entitled infill parcel, building 4 detached SFR for retail sale.

Challenge

Equity trapped in land. Banks declined cash-out on raw collateral.

Financing Structure

• Cash-out refi on the land to recapture liquidity
• Rolled into a ground-up construction facility at break ground
• Interest reserves on both tranches

Creative Solution

• Treated the land as the equity it actually was
• Sequenced cash-out → construction in a single closing strategy
• Pre-modeled the take-out at certificate of occupancy