Smart deals. Everyone connected.

BRRRR is how serious investors scale without running out of cash: buy below market, renovate, rent it out, then refinance to pull your capital back out and roll it into the next deal. We finance every step and know the playbook cold – so your money keeps working instead of sitting idle in one property.

• Purchase + rehab – short-term financing to buy and renovate the property
• Cash-out refinance – pull your capital back out once it's rented and seasoned
• DSCR-friendly – qualify the refinance on the property's rental income, not your W-2s
• Portfolio scaling – repeat the cycle to grow without tapping new savings
• We coordinate the rehab and refinance timeline so nothing stalls

For investors flipping properties or executing 1031 exchanges, we offer short-term bridge financing. Close in days, not weeks, and wrap rehab funds into the loan structure for renovation projects.

• Bridge loans up to 24-month terms
• Interest-only payment structures
• Rehab budgets up to 100% of cost
• 1031 exchange-friendly
• Close in 7–14 days on qualified deals

“Non-QM” stands for non-qualified mortgage – loans for borrowers who don't fit conventional underwriting boxes. We offer a deep menu of these programs, including bank statement loans for self-employed buyers, asset-utilization loans for retirees and high-net-worth borrowers, and 1099 loans for contractors.

• Bank Statement Loans – qualify on 12 or 24 months of business bank deposits
• Asset Utilization – qualify on liquid assets in lieu of income
• 1099 Loans – qualify on 1099 income only, no tax returns
• Jumbo – loan amounts above conforming limits, up to $3M+
• ITIN Loans – for borrowers without SSNs

Refinancing makes sense any time you can cut your rate by ~0.5%+, change your term, or pull cash out for higher-and-better uses. We also originate HELOCs (home equity lines of credit) for clients who want a flexible, draw-as-you-need facility.

• Rate-and-term – lower your interest rate or shorten your term
• Cash-out refinance – replace your mortgage and pull equity
• HELOC – line of credit on top of your existing mortgage
• Streamline refinance – FHA/VA fast-track options

We're a top team lending to athletes, artists, and influencers. NIL deals, endorsements, touring and residuals, sponsorships, and creator income don't fit a standard W-2 box – we understand your contracts and income sources and structure financing around how you actually get paid, so buying a home is simple.

• NIL & endorsement income – qualify on sponsorship, licensing, and brand-deal earnings
• Artist income – musicians, actors, writers, and producers: touring, residuals, royalties, and per-project pay counted as the income it is
• Creator & royalty income – social, streaming, and content revenue counted
• Asset utilization – qualify on liquid assets in lieu of traditional income
• Short-contract friendly – built for variable, deal-by-deal earners

Your business stays your business. Public-profile clients get a discreet process by default: a single senior point of contact, your file limited to the people who actually need it, and no name in marketing, case studies, or referrals — ever.

We're proud partners of FOP (Fraternal Order of Police) and IAFF (International Association of Fire Fighters) affinity programs, and run specialty physician loans for MDs, DOs, dentists, and other medical professionals. These programs carry favorable terms you won't find in standard underwriting.

• Physician Loans – no PMI, low down payments, student-loan-friendly DTI
• FOP Affinity – credits and benefits for law enforcement
• IAFF Affinity – credits and benefits for firefighters
• Available with conventional, FHA, and VA products

FHA loans are insured by the Federal Housing Administration, which lets us approve buyers with credit scores as low as 580 and down payments as low as 3.5%. A favorite for first-time buyers and buyers rebuilding credit.

• 3.5% down with 580+ credit
• More forgiving DTI ratios than conventional
• Gift funds for down payment allowed
• Streamline refinance options available
• Available for 1–4 unit properties

One of the best loan products available – full stop. If you've earned VA eligibility through active duty, veteran status, or as a qualifying surviving spouse, you can finance up to 100% of the purchase price with no monthly mortgage insurance.

• $0 down payment for eligible borrowers
• No private mortgage insurance, ever
• Competitive interest rates
• Funding fee can be financed into the loan
• Available for purchase, refinance, and IRRRL

USDA loans are guaranteed by the U.S. Department of Agriculture and offer $0-down financing for moderate-income buyers in eligible areas. Most of the country qualifies geographically – even some surprisingly suburban zones.

• $0 down payment
• Income limits based on county and household size
• 30-year fixed only
• Property must be in a USDA-eligible area

The bread-and-butter mortgage: predictable monthly payments, broad eligibility, and competitive rates. Down payments as low as 3% for qualifying buyers, 5% for second homes, and 15–20% for investment properties.

• 3% to 20% down (program-dependent)
• Loan limits up to county-specific conforming caps
• PMI removable at 80% LTV
• Available for purchase or refinance