Frequently Asked Questions

We sit between you and a network of lenders. Our job is to understand your deal, match it to lenders whose lending boxes actually fit, and manage the process from first call to closing. You don't have to shop lenders one-by-one. We do that for you.

We are compensated by you, most often as a broker fee on the HUD. The amount will depending on the loan. We'll disclose the amount on your loan estimate.

Direct lenders have limited lending boxes. If the deal doesn't fit, an honest lender will say no. We have access to lenders with different appetites — different property types, loan amounts, credit requirements, acceptable scopes, and more.

There are only a few states we do not broker in; Nevada and Minnesota being two.

Good credit helps 99% of the time. Most investment lenders underwrite the deal, not just the borrower. Your exit strategy, after-repair value (ARV), and scope of work matter more than your credit score. While most lenders have minimums, there are a few with no minimum... which will not be inexpensive loans.

Residential short-term, hard money / bridge loans can close in 24 hours... with a clean Title. More realistically, short-term loans close in 10-21 days.
Residential rental loans tend to take 4 weeks
Commercial loans take longer due to permitting, appraisals, and lender timelines.

A rehab loan funds both purchase and renovation — it's structured with draw schedules tied to completed work. A bridge loan is a short-term loan to "bridge" a gap — often used when you need to close fast, move equity from one property to another, or hold a property while you line up permanent financing. If you are deciding between a rehab loan and self-funding a rehab, lenders always consider the rehab loan to be a safter place to put their money.

An EMD loan is short-term funding (usually 1–10 days) used to put a property under contract without using your own cash. It's a transactional tool common in wholesaling and double-close deals. The loan is repaid when you assign the contract or close the transaction.

Yes. In fact, most lenders prefer it. Borrowing in an LLC keeps your personal and business activity separate and is standard in the industry. Some lenders require it. I can point you toward the right entity structure for your situation.