First-Time & New Investors
Your first deal is our specialty.
Most lenders shy away from first-time investors. We lean in. With 30 years of experience, we help new Maryland investors structure their first deal for success — and learn from our mistakes instead of making their own.
If this is your first flip or first rental, you don't just need money — you need a lender who's actually done it. Michael Krupp has personally flipped 100+ homes, built a large rental portfolio, and funded 400+ loans across Maryland. When you work with us, that experience is on your side of the table.
We evaluate your deal the way an investor would — looking at the property, the numbers, and the exit — and we tell you honestly whether it's a good deal. If something looks off, we'll say so before you're in trouble, not after. That's the difference between a lender and a partner.
How We Help First-Timers
More than a loan — a guide through your first deal
We Evaluate the Deal With You
We review the property, comps, repair budget, and after-repair value together — so you know if the numbers actually work before you commit.
We Mentor the Process
From application to closing to draws, we walk you through each step. No jargon, no guessing — just straight answers from someone who's done it 100+ times.
Structure Built for Success
Up to 100% of purchase and rehab, draws in 24–48 hours, and terms designed so your first project has room to succeed.
A Real Relationship
We're not transactional. When your first deal succeeds, you come back for the next one — and we're invested in getting you there.
Common First-Timer Questions
What new investors ask us
I've never done a deal — will you still lend to me?
Yes. First-time investors are our specialty. We evaluate the deal first — the property, the equity, and your plan — and we help you structure it correctly. Experience helps, but a good deal and a willing, coachable investor matter more.
What credit score do I need?
There's no hard minimum. We look at the deal, your financial ability, and your exit strategy before your credit score.
How much money do I need to bring?
We can finance up to 100% of purchase and 100% of rehab on the right deal (up to 75% of the after-repair value). You'll need funds for closing costs and reserves — we'll walk you through exactly what your deal requires.
What if I'm not sure my deal is any good?
Send it to us. We'll evaluate it with you honestly. If the numbers don't work, we'll tell you — before you lose money, not after.
Ready to fund your first deal?
Bring us your deal — or just your questions. We're here to help you get started the right way.