(401) 200-4848

ATTENTION: Real estate investors

Your Trusted Lender: Fast, Flexible Funding for Real Estate Success

Funding in 10 Days or Less. No Upfornt or Hidden Fees. Same Day approvals.

Who's This Perfect For

Fix & Flip Investors

BRRR INVESTORS

Landlords / Rental Investors

New Construction Builders

COACHES

Portfolio Investors

Short-Term Rental Operators (Airbnb/VRBO)

Wholesalers Who Want to Close More Deals

Realtors Representing Investor Clients

Does this sound familiar?

  • You can’t get anyone on the phone… and by the time they respond, the deal is gone. Hard money lenders that take days to reply — or suddenly “ghost” you — can cost you real money.

  • You get the term sheet… then they add junk fees, points, and random charges right before closing. Nothing kills trust like a lender changing the numbers when you’re already locked in.

  • You were promised a 3–5 day close… and now it’s week two with no clear answer. Opportunities don’t wait. But slow lenders make you miss out.

Don't worry, we can help!

The #1 Solution in The Game

Same-Day Term Sheets

Get real numbers fast so you can lock in deals before another buyer steps in.

Fast Closings (7–10 Days)

Move with the speed of cash. Our streamlined underwriting wins competitive deals.

No Upfront or Hidden Fees

No application fees. No junk fees. No surprises at closing — ever.

Real Communication

Talk to a lender who actually answers the phone and moves your deal forward.

Flexible Loan Options

Fix & flip, DSCR rental loans, ground-up construction, small balance multi-family, and bridge — we fund real investor needs.

Best Terms Guarantee

Bring us a written offer from another lender and we’ll match it.

Compare our loan programs

Choose Your Loan Solution

Fix & flips

Residential (1-4 Units)

$50,000 - 5,000,000

  • Up to 90% of Purchase, 100% Rehab

  • Rates starting at 10.25%

  • Maximum Loan to ARV: 70%

  • 12 months, up to 18 months at lender's discretion

  • Resource: Full Recourse

No upfront fees — ever.

ground up

residential (1-4 units)

$50,000 - 5,000,000

  • Up to 80% of total project cost, up to 75% of the lower land value or purchase, 60% if unpermitted, and 100% of construction

  • Maximum Loan to ARV: 70%

  • 12 months, up to 18 months at lender's discretion

  • Resource: Full Recourse

No upfront fees — ever.

rentals

Residential (1-4 Units) / Townhomes / PUD Warrantable Condos

$75,000 - 2,000,000

  • Up to 80% Purchase/Rate and Term and Up to 75% Cash Out Refi

  • Rates starting at 6%

  • Maximum Loan to ARV: 75%

  • 12 months, up to 18 months at lender's discretion

  • Resource: Full Recourse

No upfront fees — ever.

fix & Flips

SF/ 2-4 Unit/ Townhomes/ PUD/ Condos

$250.000 - 20.000.000

  • 30-year Fixed Rate (Fully Amortizing)

  • If owned less than 3 Months, 80% of total cost basis

  • Purchase/Rate-Term Refi: 80% Cash Out Refi: 75%

  • 5, 10, & 30 years

  • Minimum Occupancy Rate of 90%

No upfront fees — ever.

small balance multi-family bridge

residential (5+ Units)

$500,000 - 5,000,000

  • Purchase Loans: 75% Purchase + 100% Reno

  • Up to 24 months + 2, 6 month Extensions

  • Unleased Units: 90% of Market Rent (Purchase Loans Only)

  • Purchase/Rate-Term Refi: 70% Cash Out Refi: 65%

No upfront fees — ever.

stabilized bridge

SF / 2-4 Unit / Townhomes / PUD / Condo

$75,000 - 2,000,000

  • 85% Purchase 100% of Completed Rehab Costs

  • Max LTV: 70%

  • 12 months, up to 18 months at lender's discretion

  • Min. DSCR: 1.00x, Min. FICO: 660

No upfront fees — ever.

TESTIMONIALS

What others are saying

"Fast, clear, and no surprises."

"No Limit Capital funded our flip in under 10 days. The terms were exactly what they promised — no junk fees, no last-minute changes. I’ve already sent them my next deal."

- Mark R.

"The smoothest lending experience I've had."

"I’ve worked with a lot of lenders, and NLC is the first that actually communicated every step of the way. Got approved fast and closed even faster. Total game changer."

- Jessica P.

"Finally, a lender who picks up the phone."

"They funded our ground-up project when two other lenders dragged their feet. Straightforward terms, honest communication, and fast draws. Highly recommend."

- Ryan L.

Super Simple 3 Step Process

Book Your Funding Call

Share your deal details and get guidance from a real lender.

Submit Your Application

A simple, fast application so we can underwrite your numbers.

Get Your Custom Quote

Receive transparent terms with no junk fees or last-minute changes.

Ready to get started?

Let's Walk your deal together

Your Deal. Our Capital. Let’s Talk.

TRY IT RISK FREE

Best Terms Guarantee

If you receive a lower written offer from another lender, we’ll match it.

STILL NOT SURE?

Frequently Asked Questions

We want you to feel confident in your next move. These FAQs cover everything you need to know before you get started.

What types of real estate deals do you fund?

We fund fix & flips, rental properties (DSCR), small-balance multi-family, bridge loans, ground-up construction, and mixed-use deals.

Do you require income verification or tax returns?

For DSCR and investor loans, no income verification is required. Approval is based on the property, cash flow, and strength of the deal.

How fast can I get approved?

Most borrowers receive a pre-approval within 24 hours, and full approval shortly after required documents are received.

How quickly can you close?

Fix & flip and bridge loans typically close in 7–10 days, and rental loans in 10–14 days, depending on title and appraisal.

Do you lend to first-time investors?

Yes. We work with both new and experienced investors and can help structure the deal and guide you through the process.

Is there a minimum credit score?

For most programs, we can work with borrowers starting around 650+, but approval depends more on the deal and strategy.

Do you fund properties that need major rehab?

Absolutely. We regularly fund heavy rehabs, full gut renovations, and value-add projects.

Do you offer cash-out refinances?

Yes. We offer DSCR cash-out refinances, bridge cash-outs, and long-term rental loans to pull equity from existing properties.

What states do you lend in?

We fund deals nationwide except in North Dakota, South Dakota, Utah, Arizona, Nevada, Oregon, and Vermont.

Are draw requests fast and easy?

Yes. Rehab draws are typically processed within 24 hours once photos and progress documentation are submitted.

What documents do I need to get started?

Basic personal info, corporate docs (if applicable), deal details, and property documents. We keep it simple and streamlined.

READY TO Get funded?

Take The First Step Towards Your Next Deal!

Whether you’re flipping, building, or adding another rental to your portfolio, we’ll help you understand your options and get you the best terms possible — fast, transparent, and with no upfront fees.

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