Built to
close.
Bridge, ground-up construction, and rental financing for residential real estate investors — underwritten by people who've actually run a rehab budget, not just a credit box.
Five ways to finance the deal
Current guidelines for our active programs. Terms are indicative and subject to underwriting — not a commitment to lend.
Ground up construction
ActiveInfill development and new-build financing for experienced borrowers, from single lots to small residential developments.
Full guidelines
- Loan amount
- $50,000–$1M ($3M w/ pre-screen)
- Units per property
- 1–4
- Max LTC
- 75% w/ permits, 60% without
- Max LTFC
- 85% (90% w/ financed IR)
- Max ARLTV
- 70%
- Minimum FICO
- 680 (660 for Tier 5)
- Loan term
- 12 mo (18–24 mo available)
- Occupancy
- Non-owner occupied, business purpose
- Geography
- All US except VT, UT, OR, SD, ND
- Experience
- Prior ground-up or heavy rehab required
Stabilized bridge
ActiveBridge financing for stabilized or near-stabilized 1–4 unit residential properties — purchase or refinance.
Full guidelines
- Loan amount
- $50,000–$3M ($1M+ pre-screened)
- Units per property
- 1–4
- Max LTFC
- Up to 90% (Tier 3–5), 80% (Tier 1–2)
- Max LTV
- 70%
- Minimum FICO
- 660–680 by tier
- Loan term
- 12 mo + extension up to 50% of term
- Occupancy
- Not required
- Geography
- All US except VT, UT, OR, SD, ND
- Recourse
- Full recourse, 51%+ of entity must guaranty
Multifamily bridge
ActiveSmall-balance transitional financing for 5+ unit residential multifamily in primary and secondary markets.
Full guidelines
- Loan amount
- $2,000,000–$5,000,000
- Units per property
- 5+, 100% residential
- Max loan to purchase price
- 75%
- Max loan to cost
- 70%
- Max initial LTV
- 75%
- Max as-stabilized LTV
- 70%
- Min stabilized debt yield
- 9%
- Stabilized DSCR
- 1.25x
- Loan term
- 18–24 mo + two 6-mo extensions
- Geography
- NY, NJ, CT, PA, RI, MA, NH, NC, SC, IL, CA
Fix & flip
ActiveAcquisition and renovation financing for single-family and small residential flip projects, purchase or refinance.
Full guidelines
- Loan amount
- $50,000–$1M ($3M w/ pre-screen)
- Units per property
- 1–4
- Max LTC
- Up to 90% of purchase, 100% of rehab
- Max ARLTV
- Up to 75% (70–75% by tier)
- Refinance max LTV
- 85%
- Minimum FICO
- 660 (680 for Tier 1–2)
- Loan term
- 12 mo (18–24 mo for expansion/ADU projects)
- Occupancy
- Non-owner occupied, business purpose
- Geography
- All US except VT, UT, OR, SD, ND
- Recourse
- Full recourse, 51%+ of entity must guaranty
Rental loans
Active30-year DSCR financing for stabilized 1–4 unit rental properties, purchase or refinance, single-asset or portfolio.
Full guidelines
- Loan amount
- $75,000–$2,000,000
- Units per property
- 1–4
- Max LTV — purchase
- 80% (by FICO tier)
- Max LTV — rate/term refi
- 80%
- Max LTV — cash-out refi
- 75%
- Minimum DSCR
- 1.05x
- Minimum FICO
- 660
- Loan term
- 30 yr; 5/6, 7/6, 10/6 ARM or 30 yr FRM
- Portfolio option
- 2–10 properties, up to $2M
- Geography
- All US except VT, UT, OR, SD, ND
Speed doesn't have to mean sloppy
Three things brokers and borrowers tell us matter most, and how we hold to them.
Speed with discipline
Fast term sheets and funding, underwritten by people who know real construction and renovation cost — not just a credit box.
Relationship over transaction
Repeat borrowers and referring brokers get faster answers and better terms over time. We keep score on relationships, not just deals.
Backed by institutional capital
Real deal experience and institutional funding stand behind every commitment we make.
From submission to close
Submit the deal
Send the property, borrower, and project scope. We'll pre-screen against program guidelines within one business day.
Get a term sheet
Indicative terms based on experience tier, leverage, and exit strategy — no cost, no obligation.
Underwriting
Third-party reports, credit and background review, and construction/renovation budget analysis in parallel.
Close
Funds disbursed at closing, with draws released against verified progress for construction and rehab projects.