Real Estate Investor Funding

Capital For Your Next Project or Portfolio

Trusted by investors nationwide for strategic, fast, flexible funding solutions.

We fund business-purpose, non-owner occupied, short-term and long-term real estate investor loans, including Debt Service Coverage Ratio (DSCR), Fix & Flip, Bridge, New Construction, and Land/Mixed Use nationwide.

Loan Range up to $50M.

DSCR / Rental

Long-term rental financing qualified on the property's cash flow rather than the borrower's personal income. Covers SFR, 2-4 unit, 5-8 unit multifamily, condos, and 2-10 property portfolios.

Key Requirements

  • Loan Amount: $75k - $50M

  • Max Purchase LTV: 85%

  • Max Cash-out LTV: 75%

  • Min DSCR: 0.80

  • Minimum FICO: 620

  • Property: SFR, 2-4, 5-8 MF, Condos

  • Term: 30/40 Yr Fixed - ARM 10

  • Experience: Varies

  • Loan application

  • Lease agreement or market rent

  • Subject property details

  • Entity docs (LLC)

    If Pre-Approved:

  • Appraisal & title

  • Property insurance - 6 mo PITIA reserves

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Fix & Flip

Acquisition-plus-rehab financing on 1-4 unit residential, including Fix & Rent and Wholetail structures. Our most flexible short-term product - asset-based options require no FICO and select Quick-Close programs reach 100% LTC.

Key Requirements

  • Loan Amount: $50k - $25M

  • Max Purchase LTV: Up to 100%

  • Max LTC: Up to 100%

  • MaxLTARV: 75%

  • Minimum FICO: None / 600+ (full docs)

  • Property: 1-4 Unit Residential

  • Term: 6-24 months

  • Close: 3-10 days

  • Loan application / term sheet request

  • Purchase contract

  • Rehab budget / scope of work

  • Borrower experience

  • Entity docs (LLC)

    If Pre-Approved:

  • Credit authorization

  • Appraisal / BPO & insurance binder

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Bridge Loan

Short-term financing for acquisition, stabilization, refinance, or transition across residential, commercial, and mixed-use. Vacant and non-income-producing assets eligible on select programs; fastest close in 48 hours.

Key Requirements

  • Loan Amount: $50k - $50M

  • Max Purchase LTV: 80%

  • Max Cash-out LTV: 70%

  • Max LTC: 90%

  • Minimum FICO: N/A (asset-based)

  • Property: Residential - Commercial

  • Term: Up to 36 months

  • Close: 48 hours - 6 days

  • Loan application

  • Purchase contract or current payoff

  • Subject property details

  • Exit strategy

    If Pre-Approved:

  • Credit authorization & entity docs

  • Appraisal / BPO & preliminary title

Click for a Free Quote

Ground-Up Construction

New construction and acquisition-development-construction for residential and commercial buildds. In-house construction management, draw, and servicing on select programs. Most construction programs require borrower track record.

Key Requirements

  • Loan Amount: $75k - $50M

  • Max LTV: 75%

  • Max LTC: 95%

  • Max LTARV: 75%

  • Land Value: Up to 65%

  • Minimum FICO: None / 640+

  • Property: SFR - MF - Commercial

  • Experience: Required typically

  • Loan application

  • Plans and permits

  • Construction budget & draw schedule

  • Builder / GC info

  • Borrower experience

    If Pre-Approved:

  • Entity docs & credit authorization

  • Appraisal (as-complete) / insurance

Click for a Free Quote

Commercial & SBA

Stabilized and transitional commercial real estate, small-balance commercial, CRE bridge, and SBA 7(a)/504 for owner-user property. Multifamily, office, retail, industrial, mixed-use, self-storage, and hospitality.

Key Requirements

  • Loan Amount: $150k - $30M

  • Max LTV: 85% (SBA)

  • Max LTC: 90%

  • Minimum FICO: 650+

  • Property: MF, Office, Retail, Industrial

  • CRE Bridge Rate: SOFR + 400 bps

  • Term: Up to 30 years (SBA)

  • Position: 1st lien

  • Loan application / executive summary

  • Rent roll & T-12 operating statements

  • Purchase contract or payoff

  • Business & personal returns (SBA)

  • Entity docs

    If Pre-Approved:

  • Appraisal & environmental (CRE)

  • Title / insurance / debt schedule

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Specialty & Distressed

Land and acquisition-development financing, cash-out refinance, and equity-driven workout capital for time-sensitive situations - bankruptcy exit, foreclosure bailout, and sale-leaseback.

Key Requirements

  • Loan Amount: $100k - $25M

  • Land LTV: Up to 50%

  • A&D: 50% acq / 50-65% dev

  • Distressed Max LTV: 65%

  • Cash-out Max LTV: 75%

  • Minimum FICO: N/A

  • Property: Land - CRE - Residential

  • Structures: BK exit - Bailout - SLB

  • Executive summary & deal narrative

  • Subject property details & value support

  • Entitlement status (land / A&D)

  • Payoff / balance confirmation (disstressed)

    If Pre-Approved:

  • Entity docs & credit authorization

  • Appraisal / title / supporting docs

Click for a Free Quote

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Who We Are

Nation-wide data-driven capital strategy partner helping business owners, real estate investors, and developers access funding to start or scale their business.

Services

  • Business Funding

  • Real Estate Funding

  • Credit Repair

  • Capital Strategy

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My Funding Tree provides strategic capital advisory and funding coordination services.

Funding programs are facilitated through a network of approved lending partners. We are not a direct lender.