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Fix and Flip Loans are short-term financing solutions designed for real estate investors who buy distressed properties, renovate them, and sell for a profit. Traditional banks often have slow approval processes and strict lending requirements, making it difficult for investors to move quickly on opportunities. That’s where private Fix and Flip Loans come in—offering fast funding, flexible terms, and high loan-to-value (LTV) ratios to help you secure and renovate properties without delays.

✅ Fast Approvals & Funding – Get approved in days, not weeks, so you can move quickly on deals.
✅ Flexible Loan Terms – Short-term financing options tailored to your project timeline.
✅ High LTV Ratios – Borrow up to 85-90% of the purchase price and 100% of rehab costs in some cases.
✅ No Traditional Income Verification – Approval is based on the property’s value and potential, not your personal credit score.
✅ Scalability – Fund multiple projects at once to grow your real estate business faster.

1. Find a Profitable Property – Identify a distressed or undervalued property with strong resale potential.
2. Apply for Financing – Submit basic property details and an investment plan for quick approval.
3. Close Quickly – Receive funding in days, allowing you to purchase the property without delays.
4. Renovate & Improve – Use the loan to complete necessary repairs and upgrades.
5. Sell for a Profit – List the property at an increased value and repay the loan upon sale.

At White Arrow Funding, we specialize in fix and flip financing with investor-friendly terms, ensuring you have the capital needed to turn properties into profits. Whether you’re a seasoned flipper or just getting started, we’re here to help fund your success.

🚀 Need fast capital for your next flip? Contact us today to get started!

Refinance loans allow real estate investors and homeowners to replace an existing mortgage with a new loan—often with better terms, lower interest rates, or access to equity. Whether you want to lower your monthly payments, pull cash out for new investments, or switch to a different loan structure, refinancing can be a powerful financial tool.

✅ Rate-and-Term Refinance – Replace your current loan with a new one that has better terms, such as a lower interest rate or a different loan duration.
✅ Cash-Out Refinance – Tap into your property’s equity by borrowing more than you owe, giving you extra cash for investments, renovations, or debt consolidation.
✅ Debt-Service Coverage Ratio (DSCR) Refinance – Ideal for investors, this loan is based on the rental income of the property rather than personal income.
✅ Bridge-to-Perm Refinance – Transition from a short-term bridge loan to long-term financing, ensuring stability for your investment.

✔ Lower Interest Rates – Reduce your borrowing costs and save money over time.
✔ Access Cash for Investments – Use your property’s equity to fund new real estate deals or renovations.
✔ Improve Loan Terms – Switch from an adjustable-rate mortgage (ARM) to a fixed rate, or extend your loan term for lower payments.
✔ Consolidate Debt – Pay off high-interest debts by rolling them into a lower-cost mortgage.

1. Evaluate Your Goals – Determine why you want to refinance and what loan type fits your needs.
2. Apply for Refinancing – Provide basic details about your property, current mortgage, and financial situation.
3. Loan Approval & Underwriting – Your property’s value is assessed, and terms are finalized.
4. Close on Your New Loan – Pay off your old loan and start benefiting from improved terms or cash-out funds.

At White Arrow Funding, we help real estate investors and homeowners secure fast and flexible refinance loans with competitive terms. Whether you need to reduce costs, pull equity, or restructure your debt, we provide customized financing solutions tailored to your goals.

📞 Ready to refinance? Contact us today to explore your options!

Bridge loans are short-term financing solutions designed to help real estate investors and business owners “bridge the gap” between acquiring a property and securing permanent financing. Whether you're waiting on a sale, refinancing, or need quick capital to close on a deal, bridge loans provide fast funding with flexible terms, allowing you to move forward without delays.

A bridge loan is a temporary loan that provides immediate cash flow while you finalize long-term financing. It’s commonly used for:

• Fix-and-flip projects – Secure a property quickly before obtaining a long-term loan.
• Commercial real estate purchases – Buy a new property before selling an existing one.
• Auction or foreclosure deals – Act fast on time-sensitive investment opportunities.
• Business expansion – Access capital for growth while waiting for revenue or funding.

✅ Fast Approvals & Funding – Close in days, not weeks, to seize investment opportunities.
✅ Flexible Qualification Criteria – Approval is based on the property’s value and potential rather than strict income verification.
✅ Short-Term Solution – Typically 6 to 24 months, ideal for transitional financing needs.
✅ Interest-Only Payments – Lower monthly payments while you execute your exit strategy.
✅ High Loan-to-Value (LTV) Ratios – Borrow up to 75-80% of the property’s value.

1. Identify Your Funding Need – Determine how much financing you require and your exit strategy (sale, refinance, etc.).
2. Apply for a Bridge Loan – Submit property details and investment plans for a quick approval process.
3. Receive Fast Funding – Access capital in as little as a few days to complete your purchase.
4. Execute Your Exit Plan – Pay off the bridge loan by selling, refinancing, or securing long-term financing.

At White Arrow Funding, we specialize in fast and reliable bridge loans tailored to real estate investors and entrepreneurs who need quick capital to close deals and grow their business. Whether you’re flipping a property, waiting on permanent financing, or expanding your portfolio, we provide flexible, short-term funding solutions that keep you moving forward.

📞 Need fast capital for your next deal? Contact us today to get started!

A Ground-Up Construction Loan is a specialized financing option designed for real estate investors and developers looking to build new properties from scratch. Unlike traditional loans that finance existing structures, these loans provide funding for land acquisition, construction costs, and sometimes even soft costs like permits and architectural plans.

These loans are typically short-term and funded in stages, meaning funds are released at different construction milestones. This ensures the project progresses efficiently and within budget. The process typically involves:

1. Land Purchase (if applicable) – Secure the site for development.
2. Construction Budget & Planning – Outline project costs, permits, and timelines.
3. Loan Approval & Funding – Get approved based on project feasibility and borrower experience.
4. Disbursement in Phases – Funds are released as construction progresses (foundation, framing, roofing, etc.).
5. Project Completion & Exit Strategy – Once built, refinance into a permanent mortgage or sell the property for profit.

✅ High Loan-to-Cost (LTC) Financing – Borrow up to 85-90% of construction costs and 75% of the finished value.
✅ Interest-Only Payments – Lower monthly costs during the build phase.
✅ Fast & Flexible Funding – Quick approval and customized loan terms.
✅ Stage-Based Disbursement – Funds are distributed based on completed milestones, keeping projects on track.
✅ Ideal for Investors & Developers – Perfect for spec homes, multi-family developments, and commercial projects.

• Real estate investors looking to develop new properties for sale or rental.
• Builders & developers who need capital to complete large-scale projects.
• Fix-and-flip investors expanding into new construction opportunities.

At White Arrow Funding, we provide fast and flexible ground-up construction loans tailored to real estate investors, builders, and developers. If you’re looking to bring your next project to life with reliable funding, we’re here to help!

📞 Ready to build? Contact us today to discuss your financing options!

A 30-Year DSCR Loan (Debt-Service Coverage Ratio Loan) is a specialized loan designed for real estate investors who want long-term, stable financing based on a property’s income potential rather than personal income. Unlike traditional mortgages that require extensive income verification, DSCR loans focus on the rental income of the property to determine eligibility.

Instead of evaluating your personal debt-to-income (DTI) ratio, lenders assess the Debt-Service Coverage Ratio (DSCR), which measures the property’s ability to cover loan payments. The formula is:

📊 DSCR = Rental Income ÷ Mortgage Payment

For example, if a rental property generates $2,000 per month and the mortgage payment is $1,500, the DSCR is 1.33—meaning the property earns 33% more than the required payment, which is favorable for loan approval.

✅ No Personal Income Verification – Approval is based on the property’s rental income, not W-2s or tax returns.
✅ Long-Term Stability – Fixed 30-year terms with competitive interest rates.
✅ Easier Qualification – Designed for investors, not traditional homebuyers.
✅ Multiple Property Financing – Ideal for growing rental portfolios.
✅ Cash-Out Options – Pull equity from properties to reinvest in new deals.

• Real estate investors looking for long-term, low-cost financing.
• Buy-and-hold investors seeking passive rental income.
• Self-employed investors who may not qualify for traditional mortgages.
• Portfolio investors who want to finance multiple properties.

At White Arrow Funding, we help investors secure 30-year DSCR loans with flexible terms and competitive rates. Whether you’re financing your first rental or expanding your real estate portfolio, we provide tailored lending solutions to maximize your investment potential.

📞 Ready to finance your next rental property? Contact us today to explore your DSCR loan options!

Commercial loans are financing options designed specifically for business purposes, whether you’re purchasing, refinancing, or renovating commercial properties. These loans can be used for a wide range of business-related needs, such as acquiring office buildings, retail spaces, industrial properties, or multi-family residential buildings. Commercial loans typically offer higher loan amounts and longer repayment terms than residential loans, making them ideal for businesses and investors looking to grow their portfolios or expand their operations.

1. Traditional Commercial Real Estate Loans
    
   • Used for purchasing or refinancing properties like office buildings, retail centers, or industrial complexes.
   • Offers fixed or variable interest rates with long-term repayment options (up to 25 years).

1. SBA Loans (Small Business Administration Loans)
    
   • Government-backed loans with favorable terms for small businesses.
   • Can be used for both property purchases and business expansion.

1. Commercial Bridge Loans
    
   • Short-term loans designed to help businesses bridge the gap between the purchase of a property and long-term financing.
   • Fast funding to capitalize on time-sensitive opportunities.

1. Hard Money Loans
    
   • Asset-based loans primarily for real estate investors.
   • Quick access to capital, typically with higher interest rates and shorter terms.

1. Construction Loans
    
   • Used to finance new commercial developments or major renovations.
   • Funds are typically dispersed in stages as construction progresses.

1. Portfolio Loans
    
   • Custom loans for real estate investors looking to finance multiple properties.
   • Can be tailored to suit specific investment goals, offering flexibility in terms and conditions.

✅ Large Loan Amounts – Borrow substantial amounts of capital for high-value business and property investments.
✅ Flexible Terms – Customize your loan terms to match your financial situation and business goals.
✅ Longer Repayment Periods – Many commercial loans offer longer repayment schedules, helping to lower monthly payments.
✅ Cash-Out Options – Use the equity in your property for business expansion, renovations, or other investments.
✅ Tax Benefits – Certain loan interest payments may be tax-deductible as a business expense.

To qualify for a commercial loan, lenders typically review:

• Property Value – The value and location of the property you plan to purchase or refinance.
• Debt-Service Coverage Ratio (DSCR) – A measure of the property’s ability to generate enough income to cover loan payments.
• Creditworthiness – While personal credit may not be the primary factor, your business and personal credit score will be considered.
• Business Financials – A solid track record of your business’s revenue, expenses, and profitability.

At White Arrow Funding, we specialize in commercial loans tailored to the needs of real estate investors, business owners, and developers. Whether you're acquiring new commercial properties, expanding your business, or refinancing existing loans, we provide flexible financing options to help you achieve your goals.

📞 Ready to grow your business or investment portfolio? Contact us today to learn more about your commercial loan options!