Casa Lending Fix-and-Flip Bridge Loans fund the full purchase and renovation cycle for experienced residential investors, from acquisition through final rehab draw, with no caps on the number of simultaneous projects financed.
| Fix & Flip Feature |
Structure & Terms |
| Project Types | Single-family, condos, townhomes, 2-4 unit multifamily |
| Loan Limits & Terms | $100,000 to $10,000,000+ | 6 to 24 months | Interest-only, first-lien position |
| Leverage Ratios (LTC/ARV) | Up to 95% of Purchase Price, up to 95% of Rehab Budget (Max 95% LTC / 75% ARV) |
| Structural Advantages | Quick, predictable draws for labor, materials, and permits. No project caps - finance multiple flips simultaneously. Pre-approval available. |
Casa Lending Ground-Up Construction Loans support residential developers from land acquisition through vertical completion, with milestone-based draw schedules designed to keep speculative builds and infill projects funded and on schedule.
| Construction Feature |
Structure & Terms |
| Project Types | Single-family spec homes, condos, townhomes, infill multifamily (2-4 units). Will lend on partially completed construction projects. |
| Loan Limits & Terms | $100,000 to $10,000,000+ | 6 to 24 months | Interest-only, first-lien position | Interest charged on drawn funds only |
| Leverage Ratios (LTC) | Up to 75% of Land Acquisition, up to 100% of Construction Budget (Max 90% LTC / 75% LTCV for residential; 70% LTCV for multifamily) |
| Structural Advantages | Funding covers plans, permits, labor, and materials. 3+ completed ground-up projects required. Builders can use the FlipperForce Scheduler and Project Budgeter to produce milestone-based construction draw schedules that align with Casa Lending's draw completion timeline requirements. |
Casa Lending DSCR Rental Loans provide long-term, income-based financing for single-asset rentals, short-term rental properties, and multi-property portfolios - qualifying entirely on property cash flow without W-2s or tax returns.
| Rental DSCR Feature |
Structure & Terms |
| Property Types | Single-family, 2-4 units, condos, townhomes, multifamily up to 8 units |
| Loan Limits & Products | $75,000 to $3,000,000 | 30-Year Fixed, Interest-Only option, or 40-Year Fixed (10-year IO) | Single-asset, short-term rentals, or portfolios up to 10 properties on one loan |
| Leverage Ratios (LTV) | Up to 80% LTV for purchases or rate-term refinances | Up to 75% LTV for cash-out refinances | Minimum DSCR of 1.00x required | 3-month seasoning period |
| Structural Advantages | Delayed financing available. No tax returns required - qualifies through property cash flow and asset strength. Foreign Nationals eligible. Investors can model projected DSCR and validate their rental exit inside the FlipperForce BRRRR Analyzer before refinancing out of a bridge position. |
Casa Lending Short-Term Bridge Loans provide flexible, fast-close capital for real estate investors executing as-is acquisitions, rate-term refinances, cash-out transactions, or BRRRR-strategy rehabs with a planned rental exit strategy.
| Bridge Loan Feature |
Structure & Terms |
| Use Cases | As-is purchases, rate-term refinances, cash-out refinances, residential rehab-and-hold, and BRRRR fix-to-rent acquisitions with a planned DSCR long-term refi exit. |
| Property Types | Single-family residences, 2-4 unit residential, multifamily up to 8 units, mixed-use. No owner-occupied homes or commercial properties. |
| Loan Limits & Terms | $100,000 to $15,000,000 | 6 to 24 months | Interest-only, first-lien position | 8.00% to 11.00% rate | 0% to 3% origination | Processing fee applies |
| Leverage Ratios (LTV/LTC) | Short-Term Purchase: Up to 95% LTP (Residential) | Short-Term Refi (no cash-out): Up to 75% LTV (Residential) | Cash-Out Refi: Up to 70% LTV (Residential) | Rehab-and-Hold (BRRRR): Up to 95% LTP + 95% Rehab Budget, capped at 75% ARV |
| Structural Advantages | Closes in as fast as 3 business days, with streamlined approvals and proof-of-funds letters available. BRRRR investors can model projected DSCR and cash-on-cash returns inside the FlipperForce BRRRR Analyzer before committing to the bridge, validating their rental exit strategy before closing. |
