Qualification

What it takes to qualify.
No surprises.

We publish our thresholds openly. If you meet the floor, we can structure. If you don't, we'll tell you within 24 hours — not 45 days.

85%

Maximum LTV

600

Minimum FICO

5–7

Days to Funding

$50M

Maximum Draw

Eligibility

Four pillars.
Every deal, same rules.

Property

1–4 unit residential in all 50 states
Owner-occupied, second home, or investment
Minimum $150K estimated value
No manufactured or co-op units

Credit

Middle FICO of 600+
No open Ch. 7/13 bankruptcy
No active foreclosure or notice of default
Tax liens considered case-by-case

Equity Position

Combined LTV up to 85%
Existing liens must season 6+ months
Second liens permitted
Cash-out permitted for any purpose

Documentation

Government-issued ID
Recent mortgage statement
Proof of homeowner's insurance
No tax returns for most structures

Honest Filters

When we say no.

FICO below 600 across all bureaus
Active bankruptcy or foreclosure
Property held less than 6 months
Combined LTV exceeding 85%
Unpermitted major structural additions
Rural / agricultural zoning (limited exceptions)

Timeline

From submission
to wire in one week.

Day 1
Digital intake and preliminary valuation
Day 2
Term sheet issued and advisor consultation
Day 3
Doc collection and title order
Day 4–5
Underwriting review and conditions cleared
Day 6–7
Closing docs signed and funds wired

See if you qualify.

Preliminary valuation and eligibility check in under three minutes.