Product Spotlight: Rehab with Less Friction

In 2026, the market is rewarding investors who can move fast and stay disciplined. Winning deals isn’t just about finding opportunity. It’s about having a capital partner that can execute with certainty when timing is tight, access is limited, and the plan needs to stay on track.

That’s exactly what our Rehab product is designed to do: deliver industry-leading leverage, speed, and pricing, without forcing you into “one-size-fits-all” appraisal timelines or clunky handoffs. We built this offering for investors who want to preserve liquidity, stay competitive on acquisitions, and keep projects moving from purchase through payoff, and back again.

What We Mean by “Light" vs "Heavy" Rehab (and Why It Matters)

“Light rehab” gets tossed around loosely in the industry, so we define it clearly.

A project qualifies as Light Rehab when:

• The construction budget is less than 50% of total project costs, and
• There is no use conversion, and
• There is no addition of more than 10% to gross living area (GLA)

Why it matters: Light rehab is where speed wins and terms are at their best. These are the projects where investors often have the cleanest path to execution, but lenders still bog them down with long valuation timelines, unclear document expectations, or process friction that doesn’t match the scope.

Our Rehab products are built to keep the process proportional to the project.

Rehab Terms

Here’s what investors care about—leverage, flexibility, and a clear lane to close.

Core Terms (High Level)

• Up to 92.5% LTC
• Up to 90% advanced against the purchase or as-is value
• Up to 75% ARV
• Up to 20 units (small multifamily included)
• No experience required (we can lend to brand-new investors with solid fundamentals)
• Loan terms: 6–24 months
• Loan amounts: $100,000 – $3,500,000 (higher balances considered with additional review)
• Velocity: we’re built for 7–10 day originations

Eligible Property Types

• SFR (1–4 units)
• Townhomes
• Condos
• Small multifamily (5–20 units)

Who This Product Is Built For: New Investors, Comebacks, and Scaled Operators

This product is intentionally designed for three groups:

The First-Timer With a Real Plan

If you’re getting into rehab now, we care less about having a “perfect résumé” and more about whether:

• the asset makes sense,
• the scope matches the plan,
• the deal math holds,
• and you have the credit & liquidity to execute.

Your dedicated team specializes in rehab projects, even for brand-new investors with solid project fundamentals.

The Comeback Investor

Plenty of strong operators stepped back for a period. Market shifts, capital got expensive, life happened. If you’re returning, a light rehab project is often the most efficient on-ramp: faster cycle times, simpler scopes, and less operational drag.

The Operator Scaling Volume

If you’re doing this professionally, you already know: liquidity is leverage. The ability to preserve cash while staying competitive and fast on acquisitions is the difference between “a few good deals” and a repeatable machine. That’s why our 2026 framework emphasizes competitive leverage and speed.

Valuation & Inspection Options: Faster Decisions Without Guesswork

One of the biggest bottlenecks in private lending is valuation work, especially when the project doesn’t justify a slow, traditional path.

Our underwriting guidelines allow multiple valuation approaches depending on deal size and structure. On rehab projects, our valuation approach is threshold-based: when lending under $500,000 on a property, we may use an Interior BPO, a desktop valuation, or a Hybrid Appraisal supported by third-party interior photos; once lending exceeds $500,000, we'll require a more traditional appraisal. Ultimately, for all valuation types, we work with a plethora of vendors hand-selected to meet our strict timeline and quality requirements.

Why This Matters for Investors

When the property qualifies for desktop/hybrid paths, you can often avoid:

• scheduling delays,
• repeated access coordination,
• and unnecessary time spent waiting for third parties.

And that’s before we even get to the part most lenders still ignore: inspection-photo control.

The “One Access” Problem: Capturing Everything We Need the First Time

Real investors deal with real constraints:

• Tenants are in place.
• Sellers are hard to coordinate with.
• Contractors can’t keep revisiting a property just to satisfy lender documentation.
• You may only get access one time before closing, or one time early in the project. Period.

So we support inspection and documentation strategies that are designed to work with reality, not fight it.

Our Standards

• Geotagged photos (location validation)
• Geofenced capture (photos must be taken on-site)
• Timestamped evidence (clear timing and audit trail)
• Photo sets that help us validate current condition, scope feasibility, and budget alignment

This is the practical advantage: we can obtain the photos we need to complete valuation support and budget review even when access is limited, so the deal isn’t held hostage by scheduling.

If you’ve ever lost a deal because the valuation/inspection timeline didn’t match the opportunity, you already understand the value of this.

Underwriting That’s Deal-First (Not Checklist-First)

Our lending philosophy is simple: focus on asset quality, execution plans, and market fundamentals, not rigid checklists.

That approach matters most on rehab projects, where the project scope is clear and the speed window is narrow.

What we’re underwriting (in plain English):

1. The asset: market, liquidity, and exit realism
2. The plan: scope that matches Light Rehab definition and timeline
3. The numbers: purchase basis, rehab budget, ARV logic, and margin
4. The sponsor: liquidity and ability to execute

Servicing & Draws: Keeping Projects From Stalling

A loan isn’t “done” at closing. That’s where execution starts.

In 2026, we built our standard around reducing post-close friction:

• Zero handoffs
• No ticketing system black holes
• The same team stays with the project through payoff

Draw Speed That Protects Your Timeline

In most cases, draw reimbursements are sent within two business days of request.

Self-Service Tools That Match How Investors Operate

Investors benefit from:

• Self-service budget monitoring, modification & inspection ordering tools
• Clear visibility into draw status
• Payment, extension, and payoff self-service

When servicing slows down, projects stall and costs rise, so we designed servicing to be a core part of the platform, not an afterthought.

How to Get a Rehab Closed Faster: A Practical Checklist

If you want a fast close, align the file early. Here’s the simplest playbook:

A) Before You Submit

• Confirm whether its light (budget < 50% of total costs; no use conversion; no >10% GLA add) or heavy rehab
• Have a clean purchase contract (or refinance scenario clearly documented)

B) Package the Deal Like an Operator

• Detailed Itemized scope + budget
• Bank statements
• Entity formation and governing documents
• Government-issued identification for all owners

C) Know Your Likely Valuation Path

• < $500K may qualify for desktop/hybrid/BPO paths
• ≥ $500K more traditional appraisal

D) Set Expectations on Timeline

We’re built to move quickly, as fast as 7 days, when the file is tight.

Next Step: Bring Us Your Deal

Whether it’s your first project, your return to the market, or the next one in a scaled pipeline, we are built to support strong leverage, fast execution, and less friction between a good deal and funded capital.

Connect with our team at (216) 206-6079 or create an account and submit your application.