Real estate funding
Buying, building, or refinancing? We line up the money.
Investors, builders, and buyers of homes and commercial property: we structure the funding around the property and your credit readiness, then match you with the right lender.
Funding options we help with
- DSCR loansRental property financing based on the property's income, not a stack of tax returns.
- Construction loans and building lines of creditAcquisition plus the build — the same kind of funding Castles & Cottages Construction Company uses for its own projects.
- RefinancingPull equity out or improve your terms once the project is complete.
- Hard money and bridge loansClose on time when a bank's timeline would lose the deal.
- Commercial real estate loansConventional financing for offices, retail, and mixed-use property.
- Part of the Head Start Real Estate TeamSame Norfolk building. When you work with the Head Start Real Estate Team — the agents, builders, designers, and insurance partners behind your transaction — Operation Lend is the funding side of the deal.
Fees
DSCR loans and other set real estate programs carry a flat program fee, quoted in writing before you start. Owner-occupied home mortgages are handled by licensed mortgage professionals we work with.
Have these ready
- The property address, or the area you're buying in
- Purchase price and rehab or build budget
- Expected rent, for DSCR loans
- The entity that will hold the property
Who it's for
Investors, builders, and buyers
Rental investors who want financing based on the property's income, builders who need acquisition plus the build, owners ready to refinance once a project is complete, and buyers of commercial property such as offices, retail, and mixed-use buildings.
We structure the funding around the property and your credit readiness. Owner-occupied home mortgages are handled by licensed mortgage professionals we work with. Need funding for the business behind the deals? See business funding, or learn more about our family of companies.
How it works
- 01 · Real estate intakeTell us the property, the price, the budget, and how soon you need to close. About two minutes, no hard inquiry.
- 02 · iSoftPull readiness checkWith your okay, a soft credit check with no score impact.
- 03 · Deal review and lender matchWe review your deal and match you with lenders suited to the property and your profile.
- 04 · Funding to closingA hard inquiry happens only after you accept a specific offer. We stay with you to closing.
Real estate funding questions
Before you make an offer.
Have a deal in front of you? Book a free call or call (877) 356-8006.
What is a DSCR loan?
Rental property financing based on the property's income, not a stack of tax returns. Have the expected rent ready when you start your intake.
What should I have ready?
The property address or the area you're buying in, the purchase price and rehab or build budget, expected rent for DSCR loans, and the entity that will hold the property.
What if a bank's timeline is too slow?
Hard money and bridge loans can help you close on time when a bank's timeline would lose the deal. You can refinance once the project is complete.
How are fees handled?
DSCR loans and other set real estate programs carry a flat program fee, quoted in writing before you start. Third-party costs, like appraisals, are paid to the provider.
Do you work with the Head Start Real Estate Team?
Yes. We're in the same Norfolk building, and Operation Lend is the funding side of the deal when you work with the Head Start Real Estate Team.
Find out what you qualify for.
Answer a few questions — about two minutes, and it won't touch your score.