The Investor Loan Qualification Checklist

Credit score of 500 or higher (620+ for Bridge, 650+ for Ground-Up Construction)

Higher scores unlock better leverage and lower rates across every program.

The property (or land) is for investment or business purposes only

These are business-purpose loans — not available for a primary residence or personal use.

You know your total project cost

Purchase price plus rehab or construction budget — leverage is measured against this total.

You have a realistic ARV or completed-value estimate

A comp-based estimate of what the property will be worth after renovation or construction.

Down payment / cash-to-close funds available

Typically 10-50% of total project cost depending on the program and your qualifying tier.

Reserve funds available after closing

Several months of payments, sourced and seasoned, depending on the program.

A defined scope of work (for Fix & Flip or Ground-Up Construction)

Even a rough budget breakdown helps us price the deal accurately from the start.

You know your investor experience level

Number of prior completed flips, bridge loans, or construction projects — this affects your leverage tier on most programs.