BUSINESS-PURPOSE LENDING · NO PERSONAL INCOME DOCS

Closing deals in the
real estate sector.

Closector matches your deal — DSCR, fix & flip, ground-up, or bridge — with the right lender in our network. One submission, real terms, no runaround.

PROGRAM HIGHLIGHTS SELECT PROGRAMS
FIX & FLIP✓ No experience needed*
FIX & FLIP✓ No credit check required*
FIX & FLIP✓ No appraisal*
FIX & FLIP✓ Close in as few as 5 days*
DSCR✓ No lender points
DSCR✓ Multi-family
DSCR✓ Appraisal Cost Reimbursement
*Fix & Flip: no appraisal, no experience requirement, no credit check, and 5-day closings available in select markets only.
REPRESENTATIVE DEAL FLOW — SAMPLE FIGURES, NOT ACTUAL CLOSED LOANS
LOAN PROGRAMS

Four ways to fund your next deal.

Every program below is business-purpose only — built for investors, not owner-occupants. Terms shown are representative and subject to underwriting.

DSCR

DSCR Rental

Qualify on the property's rental income, not your personal income or tax returns. Built for buy-and-hold investors.

✓ No lender points
✓ Multi-family
✓ Appraisal Cost Reimbursement
FIX & FLIP

Fix & Flip

Short-term capital for acquisition plus rehab, sized to your after-repair value. Draws released as work completes.

✓ No experience needed*
✓ No credit check required*
✓ No appraisal*
✓ Close in as few as 5 days*
*Available in select markets only.
GROUND UP

Ground-Up Construction

Land acquisition and vertical construction in a single facility, with a draw schedule tied to build milestones.

✓ Mid-construction financing
✓ ADU (accessory dwelling unit)
✓ Foreign national eligible
✓ Loan amounts up to $10M
BRIDGE

Bridge Loans

Move fast on acquisitions, payoffs, or repositioning plays when a conventional timeline doesn't fit the deal.

✓ Cash-out refinance
✓ Rate/term refinance
✓ Purchase
✓ Cross-collateral allowed
PROCESS

From submission to funded.

1

Submit your deal

Property, loan type, numbers, and three comps — one form, five minutes.

2

Get matched

We route your deal to the lender in our network best suited to it.

3

Review terms

An indicative term sheet, typically within 24 hours of submission.

4

Close

Fix & flip loans can close in as few as 5 business days*; bridge loans in as few as 10.

*Fix & Flip 5-day closings available in select markets only.
GET YOUR TERMS

Tell us about the deal.

No commitment, no hard credit pull. Takes about two minutes.

STEP 1 OF 5

What's your investing experience?

This helps us match you with lenders whose experience requirements fit.
First deal
This is my first investment deal
Some experience
2–5 deals in the last 3 years
Experienced
6–10 deals in the last 3 years
Highly experienced
10+ deals in the last 3 years

What are you financing?

Choose the program that fits, then the transaction type.
DSCR Rental
Long-term hold, qualify on rental income
Fix & Flip
Acquisition + renovation, short term
Ground-Up Construction
Land + vertical build
Bridge
Fast, short-term capital
Purchase
Refinance
Cash-Out Refi

Property details

Basic information about the subject property.
Mid-construction
Build already started, needs completion
Uninhabitable
No certificate of occupancy, missing utilities
Rural area
Limited comps or low population density
Unique property
Log cabin, earthship, geodesic, mixed-use, etc.
Prior damage
Fire, water, or structural damage on record
Title / zoning issue
Open lien, boundary dispute, non-conforming use
Off-grid utilities
Septic, well water, solar-only, no municipal hookup
Foreign national
Borrower is a non-U.S. citizen or resident
Other
Something else not listed here

Construction scope

Details about what's being built and where it stands.

Renovation scope

Details about the planned rehab work.

Deal numbers

Figures used to size the loan.
Sell
Hold

Rental income & expenses

Used to calculate the property's debt service coverage ratio (DSCR).

Anything else we should know?

Optional — add any additional deal details, context, or notes for the lender.

Almost done

Where should we send your terms?
✓

Deal submitted.

A member of our team will follow up with indicative terms within one business day.
4
Loan Programs
50
States Covered
24h
Typical Term Sheet Turnaround
10d
Fastest Closings
FULL APPLICATION

Complete your application.

This mirrors our commercial loan application — the more you complete now, the faster underwriting can move once your deal is matched.

1. Financing Request
Purchase
Refi - Rate
Refi - Cash-out
2. Property Information
Yes
No
Yes
No
1-4 residential units
5+ resi units
Mixed use
Retail
Warehouse
Office
Auto service
Other
30y Fixed
30y Fixed I/O
30y ARM - 5/6
30y ARM - 7/6
Fix & Flip - 24 mo IO
Fix & Flip - 12 mo IO
Made
To be made
Yes
No
Yes
No
3. Applicant Information
Primary Applicant
Sensitive fields like SSN require secure, encrypted handling on the backend before this form collects real applicant data.
Married
Unmarried
US Citizen
Permanent Resident Alien
Non-permanent Resident Alien
Own
Rent
Co-Applicant (optional)
Married
Unmarried
US Citizen
Permanent Resident Alien
Non-permanent Resident Alien
Own
Rent