Loan Programs

Prestige Property Lending arranges business purpose financing for real estate investors in all 50 states. Loan sizes run from $100,000 to $25 million and most files close in five to ten business days. Below is every program we place, with the strategy each one is built for.

Compare our loan programs

Program	Best for	Typical term	Typical close
Fix and flip	Buy, renovate, resell	6 to 18 months	5 to 10 days
DSCR rental	Long term hold, no tax returns	30 year	2 to 4 weeks
Bridge	Fast acquisition, transition period	6 to 24 months	5 to 10 days
New construction	Ground up builds	12 to 24 months	2 to 4 weeks
BRRRR	Buy, rehab, rent, refinance, repeat	Short term then 30 year	Two stage
Portfolio	Consolidating 5+ rentals into one loan	Long term	3 to 5 weeks
Cash out refinance	Pulling equity to redeploy	30 year	2 to 4 weeks
Hard money	Asset based, speed over paperwork	6 to 24 months	5 to 10 days

How to choose the right program

The deciding factor is almost never the interest rate. It is your exit. Ask what happens to this property in eighteen months. If the answer is that you sell it, you want short term money and you should optimize for speed and leverage. If the answer is that you keep it and collect rent, you want long term money and you should optimize for the rate and the prepayment structure.

Investors lose money by putting a hold property on a bridge loan and then discovering the refinance window is tighter than they planned. They also lose money by waiting three weeks for cheap money on a deal that needed to close in seven days. Match the money to the exit and most of the decision makes itself.

What we look at

These are business purpose loans, so the property carries most of the underwriting weight. We look at the deal first and the borrower second.

• The purchase price against the current market value and, for rehab deals, the after repair value
• Your renovation budget and whether the scope matches the comparable sales you are targeting
• Experience with similar projects, which affects leverage more than it affects approval
• Credit, which sets pricing tiers rather than acting as a pass or fail gate
• Liquidity to carry the down payment, closing costs and the first few months of interest

Run your numbers before you apply

Every program page includes the terms we can typically place. Before you commit to a deal, use the free investor calculators to pressure test it. The ARV calculator and the fix and flip profit calculator will tell you in about a minute whether a deal is worth financing at all.