See your numbers before you apply.

We're a broker. Instead of pushing one lender's loan, we send your deal to the lenders in our 400+ lender network that fit it and bring back the best structure for what you care about most, whether that's the least cash to close, the lowest rate or the fastest close.

Most fix and flip files fund in 5-14 days once the file is complete, and we've closed in as little as five days. On the fastest programs in select states it can be as little as 72 hours, with your documents ready on day one. DSCR rental loans and new construction take longer, usually 21-30 days.

No. It's a starting point based on what you enter. A lender still reviews you, the property and your documents before anything is approved, and your term sheet says so at the top.

The property address, the purchase price (or your current loan balance on a refinance), your rehab or construction budget if there is one, what you plan to do with the property, and the closing date you're working toward.

No. The application takes about 5 minutes and there's no credit pull. You tell us your credit range up front, and the lender pulls credit later, during underwriting.

It depends on the program and the deal, and your term sheet shows your down payment, every fee and your total cash to close before you sign anything. The lowest is 0% down (100% financing) when purchase plus rehab fits under 70% of ARV. In the major Texas metros that works on a first flip, and when the deal leaves room under that cap the closing costs roll into the loan too, so you can bring $0 to closing and only show reserves. Outside Texas it takes 2+ completed flips, and you bring the closing costs.

No. Fix and flip and bridge lenders look at the deal, your credit, your experience and the cash you have available. DSCR rental loans qualify on the property's rent, so there are no tax returns or W-2s to hand over.

Yes. In the major Texas metros, our 5% down program takes first-time flippers with 590+ credit, and the lender funds 100% of the rehab through draws. One of our Texas lenders also works with first-time investors and doesn't set a minimum credit score. That helps most when a lower score comes from high credit card balances. It doesn't help with a bankruptcy or foreclosure, which lenders generally won't close on. Outside Texas, a first flip usually starts at 10% down with 680+ credit, and the lower down payment programs open up as you complete deals.

Our broker fee is 1% of the loan with a $2,000 minimum and a $10,000 maximum, and it's the only money we make on your loan. On bigger loans it's open to negotiation, never below the $2,000 minimum, and we agree on it with you before you sign anything. It's disclosed before you sign, next to every lender and third-party fee, so you can see exactly who gets paid what.

We place investor loans in 38 states, with our deepest roots in Texas. Every state we lend in has its own page with programs, pricing and local markets, and you can see all of them on our states page.

No. We only arrange business-purpose loans on investment property: flips, rentals, new construction and bridge loans. We don't do loans on a home you live in.