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Casa Lending

Casa Lending

Casa Lending is a leading nationwide private lender specializing in fast, reliable fix and flip, new construction, and DSCR rental loans.
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Casa Lending

1300 E 9th Street, Suite 801 Cleveland, OH 44114

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$500M+
Capital Deployed
2,500+
Properties Funded
2024
Year Founded
Formed as a specialized division of Builders Capital, the nation's largest private construction lender, Casa Lending blends institutional execution with a builder-first approach. Headquartered in Cleveland, Ohio, the division was launched by recruiting premier residential private lending executives and operations teams to focus exclusively on small-balance real estate strategies. By combining a streamlined digital interface with robust internal balance-sheet capacity, they remove traditional paperwork clutter to help house flippers and developers finance multiple investment projects simultaneously.

Where They Lend

Nationwide
Casa Lending lends in 46 states across the country, everywhere except for Nevada, Vermont, North Dakota, and South Dakota. Their platform easily handles local market nuances so you can secure properties wherever your next deal takes you.

Loan Types, Structures and Terms

Fix-and-Flip (Bridge)
New Construction
Rental (DSCR)
Casa Lending offers asset-based financing structures designed to fund every stage of an investment lifecycle, from short-term renovation project bridge loans to long-term DSCR rental holdings.
Fix-and-Flip
New Construction
Rental (DSCR)
Casa Lending Fix & Flip Loans support real estate investors through the entire lifecycle of a project, offering flexible capital from property purchase through rehab completion to final resale.
Fix & Flip Feature Structure & Terms
Project Types Single-family homes, condos, townhomes, and 2-4 unit residential properties.
Loan Limits & Terms $100K to $10M+ | 6 to 24 months | Interest-only, first-lien position with rates from 8% to 11%.
Leverage Ratios (LTC/ARV) Up to 95% of the purchase price and 95% of the rehab budget (Max 95% LTC / 75% ARV).
Structural Advantages Capital covers labor, materials, plans, and permits. No active project caps mean you can finance multiple flips at once.
Casa Lending Ground-Up Construction Loans provide residential developers with specialized financing to manage everything from initial lot acquisition to complete vertical spec builds.
Construction Feature Structure & Terms
Project Types Single-family spec homes, townhomes, condos, and 2-4 unit multi-family builds.
Loan Limits & Terms $100K to $10M+ | 6 to 24 months | Interest-only, first-lien loans.
Leverage Ratios (LTC) Up to 75% of land acquisition costs and up to 90% of the construction budget (Max 75% LTCV).
Structural Advantages Financing handles your builds from groundbreaking to vertical finish with milestone draw schedules to keep contractors moving.
Casa Lending DSCR Long-Term Rental Loans allow real estate investors to expand buy-and-hold portfolios by qualifying individual property debt service metrics instead of personal W-2 income.
Rental DSCR Feature Structure & Terms
Property Types Single-family, 2-4 units, condos, townhomes, and commercial multi-family up to 8 units.
Loan Limits & Products $75K to $3M | 30-year fixed, 40-year fixed, or interest-only | Covers long-term rentals, STRs, or portfolios.
Leverage Ratios (LTV) Up to 80% LTV for purchases and standard rate-term refinances | Up to 75% LTV for cash-out refis.
Structural Advantages Delayed financing is available. You can also package up to 10 rentals together on a single cross-collateralized loan.

Borrower Qualifications (Am I qualified?)

The Underwriting process prioritizes the project profitability and property valuation over the individual borrower's income. Approvals focus on the viability of the deal, the borrower's scope of work, verified comps, and profitability over personal income and tax documentation.
Qualification Parameter Lender Requirements
Experience Levels At least 3 completed projects for flip and construction loans. Rental loans are open to beginners at lower leverage tiers.
Credit Requirement Minimum 700 FICO for short-term flips and builds; minimum 660 FICO for rental loans. Soft credit pull won't hurt your score.
Income Verification Zero tax returns or W-2 records needed. They qualify you based on property cash flow and asset strength.
Entity Requirement Must close under a business entity like an LLC. Personal owner-occupied homes are not eligible.

Underwriting Process (how long with this take to get approved)

The draw process operates as a reimbursement system to help manage cash flow and keep your contractors paid on time. Once milestones are hit, you request a draw and get your wire cleared without painful, multi-week delays.
Stage / Requirement Process & Timelines
Initial Review Files are reviewed quickly by an internal team to give you an upfront pre-approval.
Property Valuation Property value and ARV are verified through a standard appraisal, though BPOs are sometimes accepted.
Speed to Close Most deals close within 10 days, but clean files can fund a wire in as few as 3 days.
Document Checklist Required docs include the purchase contract, LLC business papers, recent bank statements, and a credit pull authorization.

Draw Process (how long will it take to get my money)

Rehab distributions are closely aligned with contractor milestones to preserve project timeline continuity and balance sheet security. Capital allocations follow an accelerated schedule that processes draws quickly following documentation verification.
Operational Step Methodology & Timelines
Draw System Reimbursement-based draws where you are only charged interest on the capital you've actually drawn.
Inspection Method A third-party physical inspector visits the site to verify that milestones match your rehab plan.
Funding Turnaround Wires typically hit your account within 1.5 to 2 days after the inspection is cleared.
Draw Fees Standard processing and inspector fees apply per draw request depending on project size.

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