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IMAGINE:
There must be a lender that cares more about the deal and your experience than your W2s!
Yes, approval is based on the asset and the project’s strength, not just your paycheck.
GROUND-UP CONSTRUCTION:
✓ Decisions driven by Loan-to-Value (LTV) and After-Repair-Value (ARV)
✓ We look at your construction experience and the project’s overall viability
✓ Minimum credit score of 680+, but we’re not hung up on tax-return gymnastics
✓ Repayment: Interest-only payments during construction to help manage cash flow
✓ Terms: 12–18 months bridge loan
✓ Structure: Funds are disbursed in stages ("draws") based on project milestones, which requires on-site inspections
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