Financing solutions / Invest & build
Invest & Build
Complex doesn't necessarily mean impossible. Let's look at the entire picture.
Financing paths for investors, builders, and property projects where the asset, timeline, and business plan all matter. Requirements vary by program, lender and borrower profile — we'll confirm the specifics for your scenario.
Jump to a program
Program path
DSCR
Good fit if…
The property’s income story is central to the investment plan.
What is it?
DSCR financing evaluates a rental property’s income potential as part of the financing conversation, rather than relying only on personal income.
Who is it for?
Real estate investors evaluating an income-producing property and its operating picture.
Why would someone use it?
Someone may use it to compare a property-centered structure with other investor financing paths.
What should I know?
Rent assumptions, property performance, reserves, documentation, lender rules, and the broader transaction all matter.
What does DSCR focus on?
It focuses on the relationship between property income and debt obligations, subject to lender review.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Investment Properties
Good fit if…
You are evaluating a property as an investment rather than a primary residence.
What is it?
Investment-property financing supports the purchase, refinance, or repositioning of a property intended to generate income or appreciate.
Who is it for?
Investors buying or refinancing residential or other eligible real estate for investment purposes.
Why would someone use it?
Someone may use it to build a financing structure around the asset and the investment thesis.
What should I know?
Property type, rent, management, reserves, ownership structure, and lender guidelines vary.
What makes investment financing different?
The property’s income, operating plan, and intended use become important parts of the review.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
2–8 Units
Good fit if…
The target property has multiple residential units and needs a tailored review.
What is it?
Two-to-eight-unit financing covers eligible residential properties with multiple dwelling units under a lender-approved structure.
Who is it for?
Buyers and investors considering a small multifamily property or a home with multiple units.
Why would someone use it?
Someone may use it to align financing with a property that has more than one dwelling and more than one income stream.
What should I know?
Unit count, occupancy, property condition, income, appraisal, and intended use all need to be confirmed.
Is every multi-unit property financed the same way?
No. Unit count, use, condition, location, and lender rules can change the path.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Fix & Flip
Good fit if…
You have a specific project and can clearly explain how the acquisition, work, and exit connect.
What is it?
Fix-and-flip financing is short-term, project-focused funding for acquiring and improving a property with a planned resale.
Who is it for?
Investors with a defined acquisition, renovation, budget, and exit strategy.
Why would someone use it?
Someone may use it when timing and project scope need to be considered together.
What should I know?
The property, budget, timeline, experience, liquidity, contractor plan, and exit all receive attention.
What is the exit strategy?
It is the planned way the project will be repaid, such as a sale or refinance, and it must be evaluated carefully.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Hard Money
Good fit if…
The scenario is time-sensitive or asset-focused and you understand the need for a careful cost review.
What is it?
Hard-money financing is a private or asset-focused structure that may prioritize collateral and transaction context.
Who is it for?
Borrowers or investors with time-sensitive, asset-driven, or non-standard financing needs.
Why would someone use it?
Someone may consider it when speed, property value, or a project structure matters differently than in traditional lending.
What should I know?
Cost, term, collateral, repayment plan, and lender-specific requirements vary significantly.
Is hard money a universal solution?
No. It is a specialized structure with meaningful tradeoffs that should be reviewed against the exit plan.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Bridge Financing
Good fit if…
A specific timing gap exists and the next financing or sale can be explained.
What is it?
Bridge financing is temporary funding designed to connect one real estate event to another planned transaction or longer-term structure.
Who is it for?
Investors, buyers, or owners managing a timing gap between acquisition, sale, refinance, or construction.
Why would someone use it?
Someone may use it to coordinate a time-sensitive move when permanent financing is not ready or not the immediate fit.
What should I know?
The repayment event, timing, collateral, liquidity, and backup plan are critical.
What makes bridge financing temporary?
It is built around a defined transition and should have a credible repayment plan.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Renovation / Rehab
Good fit if…
The project has a documented scope and the financing conversation can begin before work starts.
What is it?
Renovation or rehab financing funds eligible property improvements within a structure that accounts for the project plan.
Who is it for?
Investors or owners whose property needs meaningful work before it serves the intended purpose.
Why would someone use it?
Someone may use it when the improvements are central to the property’s value, use, or exit.
What should I know?
Plans, budgets, draws, permits, contractors, inspections, contingency planning, and timeline all matter.
What does the lender need to understand?
The lender needs a clear view of the property, scope, budget, timing, and repayment strategy.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Investor-Focused Solutions
Good fit if…
You want to discuss the investment thesis first and identify the financing path second.
What is it?
Investor-focused solutions are financing structures selected around a real estate investment plan rather than a single product label.
Who is it for?
Investors whose portfolio, entity, property, or timing makes a customized discussion useful.
Why would someone use it?
Someone may use it to connect multiple decisions—acquisition, renovation, cash flow, and exit—into one strategy.
What should I know?
The right structure depends on the specific property, borrower, entity, project, and lender appetite.
Do I need to know the exact program name?
No. Bring the property and plan; the program conversation can be built around them.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Talk through the scenario
Let's look at what you are trying to make possible.
A useful first conversation can start with a goal, a property, a timeline, or a question. The right path comes after the full picture is understood.
LET'S LOOK AT YOUR SCENARIO