Blue-inc. Capital fix-and-flip loans cover up to 100% of purchase price and rehab costs, capped at 75% of ARV. Oregon-only direct lender with no appraisals required, 500 FICO minimum, and no experience requirement. Closes in 3 to 10 business days.
| Fix & Flip Feature | Structure & Terms |
|---|
| Leverage (LTP/LTC/LTARV) | Up to 100% LTP, 100% LTC, max 75% LTARV |
| Interest Rate | 9.0% to 14.0% |
| Origination Fee | 3% to 4% (minimum $3,498) |
| Loan Term | 3 to 48 months (up to 4 years) |
| Loan Amount Range | $25,000 to $3,000,000 |
| Appraisal Required | Never - no formal appraisals on any property type |
| Rehab Draw Funding | Interest charged on entire amount of total project costs; same-day draw processing available |
| Min Credit Score | 500 FICO |
| Experience Required | None - 0 prior projects required |
| Equity Sources | Own cash, partner, subject property equity, other investment equity, primary residence equity, seller financing, family |
| Prepayment Penalty | Yes - 3 to 12 months minimum |
Blue-inc. Capital funds ground-up construction across all property types in Oregon with up to 100% LTC and 70% of completed value, on land acquired at up to 50% LTP. No appraisals, no experience requirement, and terms up to 48 months for complex development timelines.
| Construction Feature | Structure & Terms |
|---|
| Land Acquisition | Up to 50% LTP on land |
| Construction Budget | Up to 100% LTC |
| Max Completed Value | Up to 70% LTCV |
| Interest Rate | 9.0% to 14.0% |
| Origination Fee | 3% to 4% (minimum $3,498) |
| Loan Amount Range | $25,000 to $3,000,000 |
| Loan Term | 3 to 48 months |
| Partially Completed Projects | Accepted - will lend on semi-complete construction |
| Experience Required | None - 0 prior projects required |
| Appraisal Required | Never |
| Project Types | Residential, multifamily, commercial ground-up construction; farms, ranches, vineyards, development projects |
Blue-inc. Capital bridge loans fund purchase, refinance, and cash-out transactions across all Oregon property types with no appraisals required and 500 FICO minimum. Loan terms run 3 to 48 months with rates from 9% to 14%. Direct lender with approvals in hours.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Purchase, rate-term refinance, cash-out refinance, note purchase, foreclosure bailout |
| Max LTP / LTV (Residential) | 70% LTP or LTV | Land: 50% |
| Interest Rate | 9.0% to 14.0% |
| Origination Fee | 3% to 4% (minimum $3,498) |
| Loan Term | 3 to 48 months - one of the longest available terms in private money |
| Loan Amount Range | $25,000 to $3,000,000 |
| Closing Speed | Typical: 3 to 10 business days | Fastest: 1 business day |
| Appraisal Required | Never - no formal appraisals on any property type |
| Min Credit Score | 500 FICO |
| Property Types | All Oregon investment properties including residential, multifamily, commercial, industrial, agricultural, land, and specialty assets |
| Prepayment Penalty | Yes - 3 to 12 months minimum |
