Dirt and infill land
Raw and infill lots for one to four units, funded before a single permit is pulled.
- No permits required
- No plans required
- No insurance required to fund
- One to four units
- Permits
- none required
- Decision
- in house
Private capital, direct from the lender
We fund
the dirt
Infill lots, one to four units. No permits, no plans, no insurance to get started.
Start an applicationAnd the build
that stands on it
Ground up construction, draw by draw, serviced by the same people who underwrote it.
See loan programsNo permits, no plans, no insurance required to fund dirt
Our own capital on the first three, decided in house
A soft pull to quote, never a hard hit to shop
Funded with our own capital
Three things we lend on directly
These are ours. The money is ours, the decision is ours, and there is no credit committee sitting between you and an answer. That is why the conditions are short.
Transactional funding
Same day capital for an A to B to C close, so the second closing never waits on the first.
- Funds the A to B leg
- Same day turnaround
- Priced per transaction
- Proof of funds on request
- Term
- same day
- Credit
- not pulled
Manufactured home swaps
Capital to clear an aging manufactured home and set a new one on the same lot.
- Lot retained, home replaced
- Demolition and set included
- Funded as one loan
- Rural and infill parcels
- Structure
- single loan
- Scope
- demo and set
Placed with institutional capital
Bigger deals, the same people
When a deal is larger than our own book, we place it with institutional capital and stay the ones you deal with. The money comes from elsewhere. The underwriting, the draws and the phone number do not change.
Fix and flip
Purchase and rehab on a single schedule, with draws released against work actually finished.
Ground up construction
Vertical construction from a funded lot through certificate of occupancy, draw by draw.
How we work
Built to be easy to borrow from
Most of what makes a loan painful is administrative, not financial. We built our own software so the administrative part stops being your problem.
Servicing stays in house
Your loan is not sold to a servicer who has never seen the file. The people who underwrote it are the people who release your draws and answer the phone.
A soft pull to quote
Shopping a deal should not cost you credit score. We quote on a soft pull, and a hard pull happens once, when you have decided to proceed.
Our own platform
Apply, upload, track draws and see your payoff in one place. No document email chains, no spreadsheet of what is still outstanding.
Numbers that explain themselves
Every quote shows which limit set the number and why, so nothing gets walked back later at the closing table.
The application
Three minutes, and it saves as you go
Five steps, plain questions, and a number that explains itself. Start it on a phone at a job site and finish it later at a desk.
01What you are doing
02The property
03About you
04Business purpose
05Documents
Bring us the lot
before anyone else will look at it
If it is dirt, a double close, or a manufactured home that needs to come off the lot, that is the part we do with our own money.