Published terms, read October 29, 2026

Dominion Financial vs Asset Based Lending: published loan terms side by side

Credit on rentals: Dominion Financial publishes a 680 minimum, ABL 660. Below is everything else each one publishes on its own website, term by term.

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Dominion Financial

Privately held private lender to real estate investors, founded in 2002 and based in Baltimore, Maryland (NMLS 898795). It is the lending arm of The Dominion Group.

Direct private real estate lender based in Jersey City, New Jersey, founded in 2010 (NMLS #2449622). It funds fix and flip, new construction and bridge loans in-house; its DSCR rental loans are brokered to third-party capital partners.

The differences that change a deal

States: ABL excludes Alaska, Hawaii, Montana, North Dakota, South Dakota, Utah and Vermont, which Dominion Financial does not list as excluded.
Flip purchase advance: up to 100% at Dominion Financial, 90% at ABL.
Flip cap on after-repair value: 70% at Dominion Financial, 75% at ABL. On a house worth $300,000 finished, that is $15,000 of loan.
Credit on flips: 680 at Dominion Financial, 660 at ABL.
Units on one rental loan: up to 10 at Dominion Financial, up to 9 at ABL.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Dominion Financial	Asset Based Lending
Loan amount	Not published ($100,000 minimum property value)	$85,000 to $2,500,000
Max LTV (purchase)	Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out	Up to 80% LTV
Min FICO	680 (exceptions down to 660)	660
Min DSCR	1.00x	1.00x
Experience	Not published	Not required (first-time and experienced investors)
Property types	Single family and 2-10 unit residential. Mixed-use with 2-8 units	Single family, 2-4 units, condos (also 5-9 units)

Fix and flip loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Dominion Financial	Asset Based Lending
Loan amount	Not published	$75,000 to $50,000,000
Purchase	Up to 100% of price	Up to 90% of price
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 70% of ARV	Up to 75% of ARV
Min FICO	680 (generally)	660
Experience	Not published	Not required; first-time flippers eligible (experienced borrowers may get higher leverage)
Term	6 to 24 months	12 to 24 months

Ground-up construction loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Dominion Financial	Asset Based Lending
Loan amount	Not published	$75,000 to $50,000,000
Max LTC	Up to 90% of total cost	Not published as LTC; up to 75% of land purchase plus 100% of construction costs
Max ARV	Not published	Up to 75% of ARV
Min FICO	Not published	660
Experience	No set minimum	Prior ground-up experience reviewed (qualifying project completed and sold or refinanced within 36 months); not stated as a hard requirement
Term	12 to 24 months	12 to 24 months

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Dominion Financial	Every state except Nevada, plus Washington, DC. [src][src][src][src]	The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities. [src][src]	Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. [src]
Asset Based Lending	42 states and Washington, DC per its published list (the same page says '43 states'). Not on the list: AK, HI, MT, NV, ND, SD, UT, VT. [src][src]	Business entity required. Title must be held in an LLC or corporation; a personal guarantee is required from all principals. [src][src]	Not published.

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 29, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Dominion Financial	Not published ($100,000 minimum property value)	Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out	680 (exceptions down to 660)	1.00x	Not published	[1][2]
Asset Based Lending	$85,000 to $2,500,000	Up to 80% LTV	660	1.00x	Not required (first-time and experienced investors)	[1][2]

Fix and flip loans. Lender figures read October 29, 2026.
Lender	Loan amount	Purchase	Rehab	Max ARV	Min FICO	Experience	Term	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$50,000 to $3,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	Quoted per loan	None required	12 months; 18 months case by case	terms
Dominion Financial	Not published	Up to 100% of price	Up to 100%	Up to 70% of ARV	680 (generally)	Not published	6 to 24 months	[1]
Asset Based Lending	$75,000 to $50,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	660	Not required; first-time flippers eligible (experienced borrowers may get higher leverage)	12 to 24 months	[1][2][3]

If neither fits

Sources

Dominion Financial: DSCR rental loans. Read October 29, 2026.
Dominion Financial: Fix & flip loans. Read October 29, 2026.
Dominion Financial: Ground-up construction loans. Read October 29, 2026.
Dominion Financial: About. Read October 29, 2026.
Dominion Financial: Licensing. Read October 29, 2026.
Dominion Financial: Rate & program disclosures. Read October 29, 2026.
Dominion Financial: Broker program. Read October 29, 2026.
Dominion Financial: DSCR loan requirements. Read October 29, 2026.
Dominion Financial: Ground-up construction loan requirements. Read October 29, 2026.
ABL: Company and loan program overview (updated Sept 30, 2026). Read October 29, 2026.
ABL: DSCR rental loans. Read October 29, 2026.
ABL: Fix and flip loans. Read October 29, 2026.
ABL: New construction loans. Read October 29, 2026.
ABL: Bridge loans. Read October 29, 2026.
ABL: Where we lend. Read October 29, 2026.
ABL: FAQs. Read October 29, 2026.