Answers for investors and builders

AIV vs. ARV: Why Your Loan Amount Depends on Both

As-Is Value and After-Repair Value measure two different things, and your loan amount is usually capped by whichever one is more conservative.

Bridge Loan vs. Fix & Flip Loan: What's the Difference?

Both are short-term, business-purpose loans, but they're built for very different deals. Here's how to tell which one fits yours.

How Much Cash Do You Need to Close a Fix & Flip or Construction Loan?

Your cash to close is more than just a down payment. Here's everything that typically factors in.

What Credit Score Do You Need for Hard Money Financing?

Minimum credit score requirements differ by program. Here's what each one actually requires, and why.

Can First-Time Investors Get a Fix & Flip Loan?

Yes — here's what changes (and what doesn't) when you don't have a completed flip under your belt yet.

What Is Ground-Up Construction Financing and How Does It Work?

Ground-up construction loans fund the land and the build for a brand-new home. Here's how the draws, budget, and eligibility actually work.

How Do Construction and Rehab Draws Actually Work?

Rehab and construction funds aren't handed over up front. Here's how the draw process typically works, step by step.

What Is a Fix and Flip Loan? A Plain-English Guide for Real Estate Investors

A fix and flip loan funds both the purchase and the renovation of an investment property. Here's how it actually works, and who it's for.

What Is Swifty50? A Faster, Simpler Loan for Smaller Deals

Swifty50 trades some leverage for speed and lighter documentation. Here's when that trade makes sense.

What Should Be in Your Rehab Budget? A Line-Item Breakdown

A vague rehab budget slows down underwriting and draws. Here's what a detailed, lender-ready budget actually looks like.