Certain Lending funds 100% of renovation costs at up to 92.5% LTC, capped at 75% LTARV. No prior experience required. Draws funded in 2 days with interest charged only on drawn funds. Multifamily up to 10 units accepted.
| Fix & Flip Feature | Structure & Terms |
|---|
| Max LTP (Purchase Price) | 92.5% |
| Max LTC (Renovation Costs) | 92.5% (100% of renovation funded) |
| Max LTARV | 75% |
| Interest Rate Range | 5.75% to 11.75% |
| Origination Fee | 0% to 3% |
| Loan Amount Range | $100,000 to $4,000,000 |
| Draw Funding Time | 2 days typical |
| Interest on Renovation Funds | Only on funds drawn |
| Experience Required | None — first-time investors welcome |
| Min Credit Score | 660 FICO (soft pull for value-add loans) |
| Multifamily Value-Add | Up to 10 units accepted | 75% LTP / 80% LTC / 60% LTARV |
| Proof of Funds Letter | Available | Auction purchases accepted | Contract not required at application |
Certain Lending funds ground-up residential and small multifamily construction up to 10 units. Up to 85% LTC and 65% LTCV. Minimum 1 prior completed project required. Partially completed construction projects accepted.
| Construction Feature | Structure & Terms |
|---|
| Max LTP (Land Acquisition) | 60% |
| Max LTC (Construction Costs) | 85% |
| Max LTCV | 65% |
| Loan Amount Range | $100,000 to $4,000,000 |
| Experience Required | 1 prior ground-up construction project required |
| Partially Completed Projects | Accepted |
| Interest on Construction Funds | Only on funds drawn |
| Min Credit Score | 660 FICO |
Certain Lending offers 30-year DSCR rental loans for 1-4 unit properties and 5-10 unit multifamily. The 1-4 unit program allows a 0.75x DSCR, STRs with no operating history, foreign nationals, vacant properties, and Section 8. Cash-out available at 3-month seasoning.
| Rental DSCR Feature | 1-4 Unit (DSCR) / 5-10 Unit (Multifamily) |
|---|
| Max LTV (Purchase / Rate-Term Refi) | 80% (both programs) |
| Min DSCR | 0.75x (1-4 unit) | 1.15x (5-10 unit) |
| Interest Rate Range | 6.25% to 10.00% (1-4 unit) | 7.00% to 11.00% (5-10 unit) |
| Loan Amount Range | $100K to $3M (1-4 unit; $5M for portfolios) | $200K to $3M (5-10 unit) |
| Loan Term | 30 years (both programs) |
| Min Credit Score | 660 FICO (1-4 unit, hard pull) | 680 FICO (5-10 unit) |
| Cash-Out Seasoning | 3 months only |
| Short-Term Rentals (Airbnb/VRBO) | Accepted — no operating history required |
| Vacant / Partially Vacant Properties | Accepted |
| Section 8 Properties | Accepted |
| Portfolio Loans | 3 to 10 properties | max $5M |
| Foreign Nationals | Accepted (must have US presence authorized for 12+ months) |
Certain Lending Bridge Loans provide high-leverage short-term financing for as-is purchases, refinances, and cash-out transactions on residential and small multifamily investment properties. Up to 92.5% LTP on purchases with no prior experience required.
| Bridge Loan Feature | Structure & Terms |
|---|
| Max LTP (Purchase, No Value-Add) | 92.5% residential | 80% multifamily |
| Max LTV (Refi, No Cash-Out) | 75% residential | 65% multifamily |
| Max LTV (Cash-Out Refi) | 75% residential | 65% multifamily |
| Interest Rate Range | 5.75% to 11.75% |
| Loan Amount Range | $100,000 to $4,000,000 |
| Multifamily | Up to 10 units accepted |
| Auction Purchases | Accepted | Proof of funds letter available |
| Min Credit Score | 660 FICO |
| Contract Required at Application | No — can apply before property is under contract |
