Real estate financing.
Built around the transaction.
Explore common financing scenarios and the information we review. Final availability, leverage, pricing, and terms are determined for each transaction.
Commercial Bridge Loans
Acquisitions, refinances, and transitional commercial properties.
Residential Investment Loans
Non-owner-occupied residential investment financing.
Cash-Out Refinancing
Access equity in qualifying real estate.
Fix & Flip Loans
Acquisition and renovation financing.
Construction & Development
Ground-up construction and development project review.
Specialty Property Loans
Unique properties and complex financing scenarios.
These pages describe review criteria. They are not published rate sheets or guaranteed loan offers.
The property.
The plan.
The path to repayment.
A strong financing request connects the collateral, requested capital, and repayment strategy in a clear, supportable package.
Collateral and leverage
Current value, condition, location, existing liens, and available borrower equity.
Execution and liquidity
Borrower experience, financial capacity, project scope, and funds required beyond the loan.
Repayment and timing
A documented sale, refinance, operating cash flow, or another supportable exit.
Start with a clear understanding.
How are rates, points, and loan limits determined?
Terms depend on the collateral, leverage, borrower profile, loan purpose, timing, and funding source. We discuss proposed terms after reviewing the scenario.
Does submitting an inquiry commit me to a loan?
No. An inquiry starts a review. Any financing requires underwriting, funding acceptance, and final loan documentation.
Who provides the capital?
Funding may come from one trust deed investor, multiple participating investors, Silver Bay capital when applicable, or another private lender. The funding source and our role are clarified for the transaction.
What should I send first?
Start with the property location and type, requested amount, loan purpose, estimated value, existing debt, timing, and exit strategy. We will identify additional documents after the initial review.
Let’s review your next transaction.
Start with the property, the financing need, and your exit strategy.