Frequently asked questions

Often within days if the title work and lien sheet are ready. Typically we close loans within 1–2 weeks or less — we're rarely the hold-up, title usually is.

There's no hard minimum. We evaluate the deal first — property value, equity position, your financial ability, and your experience matter more than a credit score. Strong files typically come in around 650+, but we look at the whole picture.

We typically lend 90% of the purchase price and 100% of rehab costs, up to 75% of the loan-to-value (LTV) based on the after-repair value (ARV). On a case-by-case basis we can lend up to 100% of purchase and rehab.

Typically 12 months interest-only, with extension options available. For rentals and commercial properties, we also offer 5-year fully-amortizing loans.

Typically within 24–48 hours of the draw request. We review photos/video or inspect the work, approve the draw, and send funds to you or your contractor by EFT the next day after approval.

No prepayment penalties. Pay off the loan whenever your project is complete.

Throughout Maryland — including Baltimore City and Baltimore, Howard, Anne Arundel, Prince George's, Montgomery, Harford, and Carroll counties, and more. We also consider select deals in the Washington, DC metro, Virginia, and Pennsylvania.

Absolutely — first-time investors are our specialty. With 30 years of experience, we mentor and guide you through the process and help structure your deal for success. You can learn from our mistakes rather than making your own.

• Property address and purchase price
• After-repair value (ARV)
• Renovation budget and scope of work
• Your real estate experience (even if it's your first deal)
• Your finances
• Exit strategy (how you'll repay the loan)