{
 "publisher": "Janover Capital LLC",
 "note": "Figures are what each lender publishes on its own website, read on the date shown. They are not quotes or offers. Janover Capital LLC arranges loans and is not a lender.",
 "fields": {
  "facts": "Numbers parsed from the text. null means the lender does not publish it. minDscr 0 means no minimum. str = short-term rentals listed as eligible; strMinDscr/strMaxLtv apply to them where published."
 },
 "ourPrograms": {
  "label": "Doors Funded programs, arranged by Janover Capital LLC and funded by a partner lender",
  "url": "https://doorsfunded.com/check-a-deal/",
  "facts": {
   "dscr": {
    "minLoan": 75000,
    "maxLoan": 2000000,
    "maxLtvPurchase": 80,
    "maxLtvCashOut": 75,
    "minFico": 660,
    "minDscr": 1.05,
    "maxUnits": 4,
    "str": null,
    "expRequired": false
   },
   "flip": {
    "minLoan": 50000,
    "maxLoan": 3000000,
    "maxLtc": 90,
    "maxRehab": 100,
    "maxArv": 75,
    "minFico": null,
    "firstFlipOk": true
   },
   "construction": {
    "minLoan": 50000,
    "maxLoan": 3000000,
    "maxLtc": 85,
    "maxArv": 70,
    "expRequired": true
   },
   "portfolio": {
    "minLoan": null,
    "maxLoan": 2000000,
    "maxLtv": 80,
    "minProps": null
   },
   "excludedStates": [
    "ND",
    "SD",
    "VT"
   ],
   "foreignNational": true,
   "entityRequired": true
  }
 },
 "lenders": [
  {
   "slug": "kiavi",
   "name": "Kiavi",
   "legalName": "Kiavi Funding, Inc.",
   "site": "https://www.kiavi.com/",
   "page": "https://doorsfunded.com/lenders/kiavi/",
   "read": "2026-10-24",
   "about": "Investor-only lender based in Pittsburgh, operating since 2013 (formerly LendingHome). Figure Technology Solutions completed its acquisition of Kiavi on September 1, 2026; Figure's 8-K says Kiavi, Inc. survived the merger as a wholly owned Figure subsidiary.",
   "states": "49 states and Washington, DC. Utah is not on the published list.",
   "entity": "Business entity required in every state it lends in.",
   "foreignNational": "Not eligible. Borrowers must be US citizens or permanent residents.",
   "products": {
    "dscr": {
     "loan": "$100,000 to $2,000,000",
     "ltv": "Up to 80% LTV",
     "fico": "660 direct; 680 through a broker",
     "dscr": "0.80x",
     "units": "Single family, PUDs, 2-4 units, condos",
     "experience": "Not required",
     "notes": "Since September 1, 2026, Kiavi's DSCR and rental loans are originated and funded by Figure Lending LLC, per the page footer. Qualifying rent is the lower of the lease and 110% of appraised market rent. 30-year fixed, 5/1 and 7/1 ARMs, interest-only options. Cash-out after 90 days of ownership or on a free-and-clear property. No prepayment penalty after year 3.",
     "src": [
      "k1",
      "k6"
     ]
    },
    "flip": {
     "loan": "$100,000 to $5,000,000",
     "purchase": "Up to 100% of price",
     "rehab": "Up to 100%",
     "arv": "Up to 80% of ARV",
     "fico": "660 direct; 680 through a broker",
     "experience": "Not required",
     "term": "12, 18 or 24 months",
     "notes": "Kiavi's bridge-loan page lists $75,000 to $5,000,000, and an FAQ on that page cites up to 95% of purchase price and $100,000 to $1,000,000; the fix-and-flip page figures are shown here. In-house valuation instead of a third-party appraisal on most deals.",
     "src": [
      "k3",
      "k6",
      "k10"
     ]
    },
    "construction": {
     "loan": "$150,000 to $10,000,000",
     "ltc": "Up to 85% of total cost",
     "arv": "Up to 70% of ARV",
     "fico": "660 direct; 680 through a broker",
     "experience": "Not published for this product",
     "term": "12, 18 or 24 months, with 3- or 6-month extensions",
     "notes": "Single family, 2-4 units and PUDs. Permits are not required to close but are required before the first draw.",
     "src": [
      "k4",
      "k6"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 100000,
     "maxLoan": 2000000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": null,
     "minFico": 660,
     "minDscr": 0.8,
     "maxUnits": 4,
     "str": null,
     "expRequired": false
    },
    "flip": {
     "minLoan": 100000,
     "maxLoan": 5000000,
     "maxLtc": 100,
     "maxRehab": 100,
     "maxArv": 80,
     "minFico": 660,
     "firstFlipOk": true
    },
    "construction": {
     "minLoan": 150000,
     "maxLoan": 10000000,
     "maxLtc": 85,
     "maxArv": 70,
     "expRequired": null
    },
    "excludedStates": [
     "UT"
    ],
    "foreignNational": false,
    "entityRequired": true
   },
   "sources": [
    {
     "id": "k1",
     "label": "Kiavi: DSCR loans",
     "url": "https://www.kiavi.com/loans/dscr"
    },
    {
     "id": "k3",
     "label": "Kiavi: fix-and-flip loans",
     "url": "https://www.kiavi.com/loans/fix-and-flip"
    },
    {
     "id": "k4",
     "label": "Kiavi: new construction loans",
     "url": "https://www.kiavi.com/loans/new-construction-infill"
    },
    {
     "id": "k5",
     "label": "Kiavi: states Kiavi lends in",
     "url": "https://www.kiavi.com/states-kiavi-lends-in"
    },
    {
     "id": "k6",
     "label": "Kiavi: company and product summary (llms.txt, published by Kiavi)",
     "url": "https://www.kiavi.com/llms.txt"
    },
    {
     "id": "k7",
     "label": "Kiavi: FAQs",
     "url": "https://www.kiavi.com/faqs"
    },
    {
     "id": "k8",
     "label": "Figure: 'Figure Completes Acquisition of Kiavi' (GlobeNewswire, Sept. 1, 2026)",
     "url": "https://www.financialcontent.com/article/gnwcq-2026-9-1-figure-completes-acquisition-of-kiavi"
    },
    {
     "id": "k9",
     "label": "SEC EDGAR: Figure Technology Solutions Form 8-K, Item 2.01, filed Sept. 1, 2026",
     "url": "https://www.sec.gov/Archives/edgar/data/2064124/000149315226040931/form8-k.htm"
    },
    {
     "id": "k10",
     "label": "Kiavi: bridge loans",
     "url": "https://www.kiavi.com/loans/bridge-loans"
    }
   ]
  },
  {
   "slug": "lima-one",
   "name": "Lima One Capital",
   "legalName": "Lima One Capital, LLC",
   "site": "https://www.limaone.com/",
   "page": "https://doorsfunded.com/lenders/lima-one/",
   "read": "2026-10-24",
   "about": "Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.",
   "states": "46 states and Washington, DC. The excluded states are not listed on the pages read.",
   "entity": "LLC or similar entity required for business-purpose rental loans.",
   "foreignNational": "Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score.",
   "products": {
    "dscr": {
     "loan": "$85,000 to $2,500,000",
     "ltv": "Up to 80% LTV (75% cash-out)",
     "fico": "660",
     "dscr": "1.00x",
     "units": "Single family, 2-9 units, warrantable condos",
     "experience": "Not required",
     "notes": "1.20x or better gets Lima One's lowest rates and highest LTV. 30-year fixed, 5/1 and 10/1 ARMs, 5-year interest-only. A separate short-term rental loan is underwritten to STR data: up to 75% LTV on a purchase, 70% on a cash-out refinance, 1.3x DSCR and a 700 FICO. The program detail page lists $100,000 to $2.5M and 1-4 units; the main rental page figures are shown here.",
     "src": [
      "l1",
      "l2"
     ]
    },
    "flip": {
     "loan": "$100,000 to $5,000,000",
     "purchase": "Up to 95% LTC",
     "rehab": "Up to 100%",
     "arv": "Up to 75% of ARV",
     "fico": "660",
     "experience": "One exit in the last 36 months",
     "term": "13, 19 or 24 months",
     "notes": "The exit can be a flip, or a sale or refinance of an investment property you were on title for. Minimum as-is value or price of $100,000. Non-recourse available.",
     "src": [
      "l3",
      "l4"
     ]
    },
    "construction": {
     "loan": "$100,000 to $5,000,000",
     "ltc": "Up to 90% LTC",
     "arv": "Up to 75% of ARV",
     "fico": "Not published",
     "experience": "Required: ground-up (on title or as GC) or fix-and-flip",
     "term": "19 or 24 months",
     "notes": "Vertical construction only: lots must be zoned with utilities at the lot line. An FAQ on the same page says the most experienced builders get up to 85% of blended cost (100% of construction, up to 60% of lot); the 90% LTC headline figure is shown here.",
     "src": [
      "l5",
      "l6"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 85000,
     "maxLoan": 2500000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": 75,
     "minFico": 660,
     "minDscr": 1,
     "maxUnits": 9,
     "str": true,
     "strMinDscr": 1.3,
     "strMaxLtv": 75,
     "expRequired": false
    },
    "flip": {
     "minLoan": 100000,
     "maxLoan": 5000000,
     "maxLtc": 95,
     "maxRehab": 100,
     "maxArv": 75,
     "minFico": 660,
     "firstFlipOk": false
    },
    "construction": {
     "minLoan": 100000,
     "maxLoan": 5000000,
     "maxLtc": 90,
     "maxArv": 75,
     "expRequired": true
    },
    "excludedStates": null,
    "foreignNational": true,
    "entityRequired": true
   },
   "sources": [
    {
     "id": "l1",
     "label": "Lima One: rental loans",
     "url": "https://www.limaone.com/rental/"
    },
    {
     "id": "l2",
     "label": "Lima One: rental loan detail",
     "url": "https://www.limaone.com/rental/detail/"
    },
    {
     "id": "l3",
     "label": "Lima One: fix and flip loans",
     "url": "https://www.limaone.com/hard-money-fix-n-flip/"
    },
    {
     "id": "l4",
     "label": "Lima One: fix and flip detail",
     "url": "https://www.limaone.com/hard-money-fix-n-flip/detail/"
    },
    {
     "id": "l5",
     "label": "Lima One: new construction loans",
     "url": "https://www.limaone.com/new-construction-loans/"
    },
    {
     "id": "l6",
     "label": "Lima One: new construction detail",
     "url": "https://www.limaone.com/new-construction-loans/detail"
    },
    {
     "id": "l7",
     "label": "Lima One: rental portfolio loans",
     "url": "https://www.limaone.com/rental-portfolio-loans/"
    }
   ]
  },
  {
   "slug": "rcn-capital",
   "name": "RCN Capital",
   "legalName": "RCN Capital, LLC",
   "site": "https://rcncapital.com/",
   "page": "https://doorsfunded.com/lenders/rcn-capital/",
   "read": "2026-10-24",
   "about": "Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.",
   "states": "Most states. Not available in Alaska, Nevada, Utah, North Dakota, South Dakota or Vermont.",
   "entity": "Loans are made to a business entity.",
   "foreignNational": "Not published",
   "products": {
    "dscr": {
     "loan": "$70,000 to $1,500,000",
     "ltv": "Up to 80% LTV (75% cash-out)",
     "fico": "660",
     "dscr": "1.00x",
     "units": "1-4 units, condos, townhomes, PUDs",
     "experience": "Not published",
     "notes": "LTV is tiered by credit score: 80% on a purchase needs 700+; 660-679 gets up to 65%. As-is value at least $115,000. 30-year fixed, 5/1, 7/1 and 10/1 ARMs, interest-only options.",
     "src": [
      "r1",
      "r2"
     ]
    },
    "flip": {
     "loan": "$75,000 to $2,000,000",
     "purchase": "Up to 95% of price (100% for the top tier)",
     "rehab": "Up to 100%",
     "arv": "Up to 75% of ARV",
     "fico": "650",
     "experience": "Not required; tiers by flips in the last 3 years",
     "term": "12 to 18 months",
     "notes": "100% of price needs 10+ flips (5+ in the same state), a 720+ score and a loan of $800,000 or less ($1M in California). With no flips in the last 3 years: up to 70% of price and 60% of ARV. Minimum ARV $100,000 single family, $75,000 for 2-4 units.",
     "src": [
      "r1",
      "r2"
     ]
    },
    "construction": {
     "loan": "$100,000 to $2,000,000",
     "ltc": "Up to 90% LTC (experienced tier)",
     "arv": "Up to 75% of ARV",
     "fico": "650",
     "experience": "Not required; tiers by projects built",
     "term": "12 to 24 months",
     "notes": "Top terms need 10+ ground-up projects, or 5+ in the last 3 years; first-time builders get lower limits. Assumes entitlements, permits and approved plans. Minimum as-completed value $175,000.",
     "src": [
      "r1",
      "r2"
     ]
    },
    "portfolio": {
     "loan": "$2,000,000 to $75,000,000+",
     "ltv": "Up to 70% LTV",
     "dscr": "Not published",
     "fico": "Not published",
     "notes": "5-, 7- and 10-year terms; 1-4 units and 5-9 unit buildings; portfolio at least 90% leased; non-recourse.",
     "src": [
      "r1"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 70000,
     "maxLoan": 1500000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": 75,
     "minFico": 660,
     "minDscr": 1,
     "maxUnits": 4,
     "str": null,
     "expRequired": null,
     "tierNote": "80% LTV on a purchase needs a 700+ score; 660-679 gets up to 65%."
    },
    "flip": {
     "minLoan": 75000,
     "maxLoan": 2000000,
     "maxLtc": 95,
     "maxRehab": 100,
     "maxArv": 75,
     "minFico": 650,
     "firstFlipOk": true,
     "tierNote": "With no flips in the last 3 years: up to 70% of price and 60% of ARV."
    },
    "construction": {
     "minLoan": 100000,
     "maxLoan": 2000000,
     "maxLtc": 90,
     "maxArv": 75,
     "expRequired": false
    },
    "portfolio": {
     "minLoan": 2000000,
     "maxLoan": 75000000,
     "maxLtv": 70,
     "minProps": null
    },
    "excludedStates": [
     "AK",
     "NV",
     "UT",
     "ND",
     "SD",
     "VT"
    ],
    "foreignNational": null,
    "entityRequired": true
   },
   "sources": [
    {
     "id": "r1",
     "label": "RCN Capital: loan programs",
     "url": "https://rcncapital.com/loan-programs"
    },
    {
     "id": "r2",
     "label": "RCN Capital: FAQs",
     "url": "https://rcncapital.com/faqs"
    }
   ]
  },
  {
   "slug": "visio-lending",
   "name": "Visio Lending",
   "legalName": "Visio Financial Services Inc. dba Visio Lending",
   "site": "https://visiolending.com/",
   "page": "https://doorsfunded.com/lenders/visio-lending/",
   "read": "2026-10-24",
   "about": "Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.",
   "states": "Described as nationwide; the state map is not published as text.",
   "entity": "Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA.",
   "foreignNational": "Not published",
   "products": {
    "dscr": {
     "loan": "From $75,000 (maximum not published)",
     "ltv": "Up to 85% LTV on a purchase",
     "fico": "680",
     "dscr": "Not published",
     "units": "Single family rentals, long-term and short-term",
     "experience": "Not published",
     "notes": "Minimum property value $150,000. No bankruptcy in the last 4 years or foreclosure in the last 3. 30-year terms with no balloon. Visio's site notes no prepayment penalty can apply in NM, OH, MD, PA and RI.",
     "src": [
      "v1",
      "v2",
      "v3",
      "v4"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 75000,
     "maxLoan": null,
     "maxLtvPurchase": 85,
     "maxLtvCashOut": null,
     "minFico": 680,
     "minDscr": null,
     "maxUnits": null,
     "str": true,
     "expRequired": null
    },
    "excludedStates": null,
    "foreignNational": null,
    "entityRequired": false
   },
   "sources": [
    {
     "id": "v1",
     "label": "Visio Lending: home page (state notes)",
     "url": "https://visiolending.com/"
    },
    {
     "id": "v2",
     "label": "Visio Lending: 85% LTV purchase loans",
     "url": "https://visiolending.com/85-ltv/"
    },
    {
     "id": "v3",
     "label": "Visio Lending: long-term rental guide",
     "url": "https://visiolending.com/resources/long-term-rental-guide/"
    },
    {
     "id": "v4",
     "label": "Visio Lending: DSCR loans",
     "url": "https://visiolending.com/dscr-loans/"
    }
   ]
  },
  {
   "slug": "lendingone",
   "name": "LendingOne",
   "legalName": "LendingOne, LLC",
   "site": "https://lendingone.com/",
   "page": "https://doorsfunded.com/lenders/lendingone/",
   "read": "2026-10-24",
   "about": "Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.",
   "states": "Every state except Alaska, Nevada, North Dakota and South Dakota.",
   "entity": "Required: LLC, limited or general partnership, corporation or revocable trust.",
   "foreignNational": "Not published",
   "products": {
    "dscr": {
     "loan": "$85,000 to $2,000,000",
     "ltv": "Up to 80% LTV (75% cash-out)",
     "fico": "Not published",
     "dscr": "0.75x",
     "units": "Single family, 2-4 units, condos, townhouses",
     "experience": "Not published",
     "notes": "30-year fixed, 5/1 and 10/1 ARMs. Short-term rentals considered.",
     "src": [
      "o1"
     ]
    },
    "flip": {
     "loan": "$100,000 to $3,000,000",
     "purchase": "Up to 92.5% LTC",
     "rehab": "Up to 100%",
     "arv": "Not published",
     "fico": "Not published",
     "experience": "Not published",
     "term": "12 to 24 months",
     "notes": "The page headline says 12 months; the term table says 12-24 months standard.",
     "src": [
      "o2"
     ]
    },
    "construction": {
     "loan": "Up to $40,000,000",
     "ltc": "Up to 90% LTC",
     "arv": "Up to 70% of ARV",
     "fico": "Not published",
     "experience": "At least one ground-up project in the last 36 months",
     "term": "12 to 24 months",
     "notes": "Without recent experience, a licensed general contractor with a track record can strengthen the file.",
     "src": [
      "o3"
     ]
    },
    "portfolio": {
     "loan": "Up to $3,000,000",
     "ltv": "Up to 80% LTV (75% cash-out)",
     "dscr": "1.00x",
     "fico": "Not published",
     "notes": "Up to 20 properties in one loan; 30-year term with a 10-year interest-only option; recourse and non-recourse options.",
     "src": [
      "o4"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 85000,
     "maxLoan": 2000000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": 75,
     "minFico": null,
     "minDscr": 0.75,
     "maxUnits": 4,
     "str": true,
     "expRequired": null
    },
    "flip": {
     "minLoan": 100000,
     "maxLoan": 3000000,
     "maxLtc": 92.5,
     "maxRehab": 100,
     "maxArv": null,
     "minFico": null,
     "firstFlipOk": null
    },
    "construction": {
     "minLoan": null,
     "maxLoan": 40000000,
     "maxLtc": 90,
     "maxArv": 70,
     "expRequired": true
    },
    "portfolio": {
     "minLoan": null,
     "maxLoan": 3000000,
     "maxLtv": 80,
     "minProps": null
    },
    "excludedStates": [
     "AK",
     "NV",
     "ND",
     "SD"
    ],
    "foreignNational": null,
    "entityRequired": true
   },
   "sources": [
    {
     "id": "o1",
     "label": "LendingOne: DSCR rental loans",
     "url": "https://lendingone.com/loan-types/dscr-rental-loans/"
    },
    {
     "id": "o2",
     "label": "LendingOne: fix and flip loans",
     "url": "https://lendingone.com/loan-types/fix-and-flip-loans/"
    },
    {
     "id": "o3",
     "label": "LendingOne: new construction loans",
     "url": "https://lendingone.com/loan-types/new-construction-loans/"
    },
    {
     "id": "o4",
     "label": "LendingOne: SFR portfolio loans",
     "url": "https://lendingone.com/loan-types/sfr-portfolio-loans/"
    },
    {
     "id": "o5",
     "label": "LendingOne: FAQs",
     "url": "https://lendingone.com/resources/faqs/"
    }
   ]
  },
  {
   "slug": "easy-street-capital",
   "name": "Easy Street Capital",
   "legalName": "Easy Street Capital",
   "site": "https://easystreetcap.com/",
   "page": "https://doorsfunded.com/lenders/easy-street-capital/",
   "read": "2026-10-24",
   "about": "Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).",
   "states": "Rental loans in every state except North Dakota and South Dakota, rural included. Flip and construction loans are not offered in Louisiana, Minnesota, North Dakota, South Dakota or some metros, including Baltimore, Chicago and Detroit.",
   "entity": "LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty.",
   "foreignNational": "Resident aliens eligible. Foreign nationals living abroad are eligible when the borrowing LLC is at least 50% owned by US citizens or green card holders.",
   "products": {
    "dscr": {
     "loan": "$100,000 to $3,500,000+",
     "ltv": "Up to 80% LTV (75% cash-out)",
     "fico": "640",
     "dscr": "No minimum",
     "units": "1-10 units",
     "experience": "Not required",
     "notes": "Rural properties capped at 65% LTV. Minimum appraised value $100,000. 30-year fixed, some 5-year hybrid ARMs, 10-year partial interest-only.",
     "src": [
      "e1"
     ]
    },
    "flip": {
     "loan": "$75,000 to $5,000,000+",
     "purchase": "Up to 93% LTC",
     "rehab": "Not published",
     "arv": "Up to 75% of ARV",
     "fico": "600",
     "experience": "First-time flippers considered",
     "term": "6 to 18 months",
     "notes": "Single family and 2-8 units. Easy Street sets value with an in-house valuation.",
     "src": [
      "e2"
     ]
    },
    "construction": {
     "loan": "$75,000 to $5,000,000+",
     "ltc": "Up to 90% LTC",
     "arv": "Up to 75% of ARV",
     "fico": "680",
     "experience": "Not published",
     "term": "9 to 24 months, with extensions",
     "notes": "1-10 units.",
     "src": [
      "e3"
     ]
    },
    "portfolio": {
     "loan": "$225,000 to $5,000,000",
     "ltv": "Up to 80% LTV (75% cash-out)",
     "dscr": "No minimum",
     "fico": "640",
     "notes": "Blanket loan of 3 or more properties, all in the same state; each property worth at least $75,000.",
     "src": [
      "e1"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 100000,
     "maxLoan": 3500000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": 75,
     "minFico": 640,
     "minDscr": 0,
     "maxUnits": 10,
     "str": null,
     "expRequired": false
    },
    "flip": {
     "minLoan": 75000,
     "maxLoan": 5000000,
     "maxLtc": 93,
     "maxRehab": null,
     "maxArv": 75,
     "minFico": 600,
     "firstFlipOk": true,
     "excludedStates": [
      "LA",
      "MN",
      "ND",
      "SD"
     ]
    },
    "construction": {
     "minLoan": 75000,
     "maxLoan": 5000000,
     "maxLtc": 90,
     "maxArv": 75,
     "expRequired": null,
     "excludedStates": [
      "LA",
      "MN",
      "ND",
      "SD"
     ]
    },
    "portfolio": {
     "minLoan": 225000,
     "maxLoan": 5000000,
     "maxLtv": 80,
     "minProps": 3
    },
    "excludedStates": [
     "ND",
     "SD"
    ],
    "foreignNational": true,
    "entityRequired": false
   },
   "sources": [
    {
     "id": "e1",
     "label": "Easy Street Capital: EasyRent DSCR loans",
     "url": "https://easystreetcap.com/easyrent/"
    },
    {
     "id": "e2",
     "label": "Easy Street Capital: EasyFix fix and flip loans",
     "url": "https://easystreetcap.com/easyfix/"
    },
    {
     "id": "e3",
     "label": "Easy Street Capital: EasyBuild construction loans",
     "url": "https://easystreetcap.com/easybuild/"
    }
   ]
  },
  {
   "slug": "corevest",
   "name": "CoreVest",
   "legalName": "CoreVest American Finance Lender LLC",
   "site": "https://www.corevestfinance.com/",
   "page": "https://doorsfunded.com/lenders/corevest/",
   "read": "2026-10-24",
   "about": "Investor lender and a subsidiary of Redwood Trust, Inc., known for larger rental portfolio loans as well as single-property DSCR and bridge loans.",
   "states": "Nationwide except Nevada, Idaho, North Dakota and South Dakota.",
   "entity": "A special purpose entity (usually an LLC) is required on some programs; construction borrowers can be an LLC, corporation or LP.",
   "foreignNational": "Not published",
   "products": {
    "dscr": {
     "loan": "$75,000 to $3,000,000+",
     "ltv": "Up to 80% LTV",
     "fico": "640 (typical)",
     "dscr": "0.80x",
     "units": "1-4 units, condos, townhomes",
     "experience": "Not required",
     "notes": "Fixed or adjustable rates. In the first 6 months of ownership, the loan is generally capped at 90% of total cost.",
     "src": [
      "c1",
      "c4",
      "c5"
     ]
    },
    "flip": {
     "loan": "$75,000 to $3,000,000+",
     "purchase": "Up to 93.5% LTC",
     "rehab": "Not published",
     "arv": "Not published",
     "fico": "Not published",
     "experience": "Not required (general FAQ)",
     "term": "6 to 24 months",
     "notes": "1-4 units. 5-19 unit light rehab is a separate tier at up to 80% LTC.",
     "src": [
      "c2",
      "c5"
     ]
    },
    "construction": {
     "loan": "$250,000 to $7,500,000",
     "ltc": "Not published",
     "arv": "Not published",
     "fico": "Not published",
     "experience": "Not published",
     "term": "12 to 24 months, with interest reserves",
     "notes": "Single family, condos, townhomes and 1-4 units; single property or several.",
     "src": [
      "c3"
     ]
    },
    "portfolio": {
     "loan": "$500,000 to $50,000,000+",
     "ltv": "Up to 70% LTV",
     "dscr": "Not published",
     "fico": "680 or 720 on some portfolios",
     "notes": "5 or more properties or units. 3-, 5-, 7- or 10-year terms. Recourse or non-recourse. Yield maintenance applies; reserves for taxes, insurance and capital expenditures required.",
     "src": [
      "c4",
      "c5"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 75000,
     "maxLoan": null,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": null,
     "minFico": 640,
     "minDscr": 0.8,
     "maxUnits": 4,
     "str": null,
     "expRequired": false
    },
    "flip": {
     "minLoan": 75000,
     "maxLoan": null,
     "maxLtc": 93.5,
     "maxRehab": null,
     "maxArv": null,
     "minFico": null,
     "firstFlipOk": true
    },
    "construction": {
     "minLoan": 250000,
     "maxLoan": 7500000,
     "maxLtc": null,
     "maxArv": null,
     "expRequired": null
    },
    "portfolio": {
     "minLoan": 500000,
     "maxLoan": null,
     "maxLtv": 70,
     "minProps": 5
    },
    "excludedStates": [
     "NV",
     "ID",
     "ND",
     "SD"
    ],
    "foreignNational": null,
    "entityRequired": null
   },
   "sources": [
    {
     "id": "c1",
     "label": "CoreVest: 30-year DSCR loans",
     "url": "https://www.corevestfinance.com/loan-types/30-year-dscr-loans"
    },
    {
     "id": "c2",
     "label": "CoreVest: fix and flip loans",
     "url": "https://www.corevestfinance.com/loan-types/fix-and-flip-loans"
    },
    {
     "id": "c3",
     "label": "CoreVest: ground-up construction loans",
     "url": "https://www.corevestfinance.com/loan-types/ground-up-construction-loans"
    },
    {
     "id": "c4",
     "label": "CoreVest: rental portfolio loans",
     "url": "https://www.corevestfinance.com/loan-types/rental-portfolio-loans"
    },
    {
     "id": "c5",
     "label": "CoreVest: FAQs",
     "url": "https://www.corevestfinance.com/faqs"
    }
   ]
  },
  {
   "slug": "new-silver",
   "name": "New Silver",
   "legalName": "New Silver",
   "site": "https://newsilver.com/",
   "page": "https://doorsfunded.com/lenders/new-silver/",
   "read": "2026-10-24",
   "about": "Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR loans.",
   "states": "41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list.",
   "entity": "DSCR loans can be made to LLCs and corporations; whether an entity is required is not published.",
   "foreignNational": "Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR.",
   "products": {
    "dscr": {
     "loan": "$150,000 to $3,000,000",
     "ltv": "Up to 80% LTV",
     "fico": "660",
     "dscr": "0.75x",
     "units": "1-8 units, short-term rentals allowed",
     "experience": "Not required",
     "notes": "30-year fixed.",
     "src": [
      "n1"
     ]
    },
    "flip": {
     "loan": "$100,000 to $5,000,000",
     "purchase": "Up to 90% LTC",
     "rehab": "Up to 100%",
     "arv": "Up to 75% of ARV",
     "fico": "650",
     "experience": "Not required",
     "term": "Up to 18 months",
     "notes": "1-4 units, condos, townhomes. As-is value at least $100,000 and ARV at least $150,000.",
     "src": [
      "n2"
     ]
    },
    "construction": {
     "loan": "$100,000 to $5,000,000",
     "ltc": "Up to 90% LTC",
     "arv": "Up to 75% of ARV",
     "fico": "650",
     "experience": "Not published",
     "term": "18 months",
     "notes": "Up to 100% of construction costs. 1-4 units, condos, townhomes.",
     "src": [
      "n3"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 150000,
     "maxLoan": 3000000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": null,
     "minFico": 660,
     "minDscr": 0.75,
     "maxUnits": 8,
     "str": true,
     "expRequired": false
    },
    "flip": {
     "minLoan": 100000,
     "maxLoan": 5000000,
     "maxLtc": 90,
     "maxRehab": 100,
     "maxArv": 75,
     "minFico": 650,
     "firstFlipOk": true,
     "foreignNational": false
    },
    "construction": {
     "minLoan": 100000,
     "maxLoan": 5000000,
     "maxLtc": 90,
     "maxArv": 75,
     "expRequired": null,
     "foreignNational": false
    },
    "excludedStates": null,
    "foreignNational": null,
    "entityRequired": null
   },
   "sources": [
    {
     "id": "n1",
     "label": "New Silver: DSCR loans",
     "url": "https://newsilver.com/dscr-loan/"
    },
    {
     "id": "n2",
     "label": "New Silver: fix and flip loans",
     "url": "https://newsilver.com/fix-and-flip-loans/"
    },
    {
     "id": "n3",
     "label": "New Silver: construction loans",
     "url": "https://newsilver.com/construction-loan/"
    },
    {
     "id": "n4",
     "label": "New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026)",
     "url": "https://newsilver.com/llms.txt"
    }
   ]
  },
  {
   "slug": "angel-oak",
   "name": "Angel Oak Mortgage Solutions",
   "legalName": "Angel Oak Mortgage Solutions LLC",
   "site": "https://angeloakms.com/",
   "page": "https://doorsfunded.com/lenders/angel-oak/",
   "read": "2026-10-24",
   "about": "Non-QM mortgage lender. Its DSCR program page is written for mortgage originators and says business-purpose loans are offered through approved clients, so most investors reach it through a broker or loan officer.",
   "states": "Not published as a list.",
   "entity": "Optional: title can vest in an LLC, S corp, C corp or revocable trust.",
   "foreignNational": "A separate foreign national DSCR program: $100,000 to $1,500,000, 1.00x DSCR, borrower must live outside the US, US LLC allowed.",
   "products": {
    "dscr": {
     "loan": "$100,000 to $3,000,000",
     "ltv": "Up to 85% LTV with 720+ (75% at 680)",
     "fico": "680",
     "dscr": "Below 1.00x and no-ratio options",
     "units": "Includes non-warrantable condos and condotels",
     "experience": "First-time homebuyers not eligible",
     "notes": "5/6 and 7/6 ARMs, 30-year fixed, interest-only. Up to five loans with Angel Oak, more by exception. Permanent and non-permanent residents eligible.",
     "src": [
      "a1"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 100000,
     "maxLoan": 3000000,
     "maxLtvPurchase": 85,
     "ltvNote": "85% needs a 720+ score; 75% at 680",
     "maxLtvCashOut": null,
     "minFico": 680,
     "minDscr": 0,
     "maxUnits": null,
     "str": null,
     "expRequired": null,
     "tierNote": "85% LTV needs a 720+ score; 75% at 680."
    },
    "excludedStates": null,
    "foreignNational": true,
    "entityRequired": false,
    "brokerChannel": true
   },
   "sources": [
    {
     "id": "a1",
     "label": "Angel Oak Mortgage Solutions: DSCR (investor cash flow) program",
     "url": "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/"
    },
    {
     "id": "a2",
     "label": "Angel Oak Mortgage Solutions: foreign national program",
     "url": "https://angeloakms.com/programs/foreign-national-mortgage-program/"
    }
   ]
  },
  {
   "slug": "griffin-funding",
   "name": "Griffin Funding",
   "legalName": "Griffin Funding, Inc.",
   "site": "https://griffinfunding.com/",
   "page": "https://doorsfunded.com/lenders/griffin-funding/",
   "read": "2026-10-29",
   "about": "Direct-to-consumer mortgage lender founded in 2013 and based in San Diego, California (NMLS 1120111). It offers DSCR loans alongside VA, bank-statement and other non-QM products.",
   "states": "All 50 states and Washington, DC for DSCR loans, per the DSCR page. Its state-licensing page lists licenses in 47 states plus DC (New York, Utah and West Virginia are not on that list).",
   "entity": "Not required. You can borrow as an individual or through a U.S. LLC with a personal guarantee. Partnership, corporation, S corp or revocable-trust vesting depends on the program.",
   "foreignNational": "Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs.",
   "products": {
    "dscr": {
     "loan": "$100,000 to $4,500,000 (larger loans by exception)",
     "ltv": "Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV",
     "fico": "620",
     "dscr": "No minimum (no-ratio program available)",
     "units": "1-4 units, condos, townhomes, PUDs and short-term rentals",
     "experience": "Not published",
     "notes": "No tax returns, W2s, employment verification or DTI. The no-ratio program does not use rent to qualify and goes up to 75% LTV with a 700+ FICO. Ratios below 1.0 are approved when reserves and down payment support the deal. Cash-out offers no-seasoning options. Short-term rentals are eligible, with their own coverage minimums and LTV limits, and the market must permit STR use. Prepayment penalties typically run 1 to 5 years, and no-penalty options are available. Interest-only, 30-year and 40-year fixed, ARM and SOFR ARM options. There is no limit on the number of financed properties. Properties must be rent-ready (no fixer-uppers). The lender fee is a flat $1,990.",
     "src": [
      "gf1",
      "gf2"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 100000,
     "maxLoan": 4500000,
     "maxLtvPurchase": 85,
     "ltvNote": "80% standard; 85% needs a 740+ FICO on loans up to $1,000,000",
     "maxLtvCashOut": 80,
     "minFico": 620,
     "minDscr": 0,
     "maxUnits": 4,
     "str": true,
     "expRequired": null
    },
    "excludedStates": null,
    "foreignNational": true,
    "entityRequired": false
   },
   "sources": [
    {
     "id": "gf1",
     "label": "Griffin Funding: DSCR loans",
     "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/"
    },
    {
     "id": "gf2",
     "label": "Griffin Funding: DSCR loan requirements",
     "url": "https://griffinfunding.com/blog/dscr-loans/dscr-loan-requirements/"
    },
    {
     "id": "gf5",
     "label": "Griffin Funding: Foreign national lending",
     "url": "https://griffinfunding.com/non-qm-mortgages/foreign-national-lending/"
    },
    {
     "id": "gf6",
     "label": "Griffin Funding: State licensing",
     "url": "https://griffinfunding.com/state-licensing/"
    }
   ]
  },
  {
   "slug": "dominion-financial",
   "name": "Dominion Financial",
   "legalName": "Dominion Financial Services, LLC",
   "site": "https://dominionfinancial.com/",
   "page": "https://doorsfunded.com/lenders/dominion-financial/",
   "read": "2026-10-29",
   "about": "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.",
   "states": "Every state except Nevada, plus Washington, DC.",
   "entity": "The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities.",
   "foreignNational": "Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals.",
   "products": {
    "dscr": {
     "loan": "Not published ($100,000 minimum property value)",
     "ltv": "Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out",
     "fico": "680 (exceptions down to 660)",
     "dscr": "1.00x",
     "units": "Single family and 2-10 unit residential. Mixed-use with 2-8 units",
     "experience": "Not published",
     "notes": "30-year fixed, no call, 30-year amortization; interest-only options. No tax returns. Short-term rentals are eligible. Cash-out seasoning is usually three months and can run up to six; a Delayed Purchase option needs no seasoning within six months of an all-cash buy. Prepayment penalty is declining-point: none on select loans, 3-2-1 or 5-4-3-2-1. Mixed-use must be at least 51% residential with occupied office or retail. The Express Rental Loan targets 10-day closings with a price-beat guarantee. The 1.00x minimum comes from Dominion's DSCR requirements guide, not the product page. That guide also says cash-out goes to 80% LTV, while the product page says 75%; the product page figure is used.",
     "src": [
      "df1",
      "df8"
     ]
    },
    "flip": {
     "loan": "Not published",
     "purchase": "Up to 100% of price",
     "rehab": "Up to 100%",
     "arv": "Up to 70% of ARV",
     "fico": "680 (generally)",
     "experience": "Not published",
     "term": "6 to 24 months",
     "notes": "No appraisal is required, closings can happen in as little as 48 hours, and there is an option for no upfront origination points. Interest-only, with no prepayment penalty. Closing costs and points cannot be rolled into the loan. Proof of at least $30,000 in reserves is required. Extensions are case-by-case and may carry fees. Not for owner-occupied homes. The same page gives terms of 6 to 12 months in one FAQ and 6 to 24 months in another.",
     "src": [
      "df2"
     ]
    },
    "construction": {
     "loan": "Not published",
     "ltc": "Up to 90% of total cost",
     "arv": "Not published",
     "fico": "Not published",
     "experience": "No set minimum",
     "term": "12 to 24 months",
     "notes": "Covers up to 50% of entitled-land acquisition, 75% of horizontal development and 100% of vertical construction. Eligible properties are single family, 2-10 unit residential and majority-residential mixed-use, on entitled, permitted land. Spec builds are allowed. A subject-to-completion appraisal is required. Interest-only on drawn funds, no prepayment penalty, extensions available for a fee. Single-property and portfolio options. Dominion's construction requirements guide says the 90% LTC applies to experienced builders.",
     "src": [
      "df3",
      "df9"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": null,
     "maxLoan": null,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": 75,
     "minFico": 680,
     "minDscr": 1,
     "maxUnits": 10,
     "str": true,
     "expRequired": null
    },
    "flip": {
     "minLoan": null,
     "maxLoan": null,
     "maxLtc": 100,
     "maxRehab": 100,
     "maxArv": 70,
     "minFico": 680,
     "firstFlipOk": null
    },
    "construction": {
     "minLoan": null,
     "maxLoan": null,
     "maxLtc": 90,
     "maxArv": null,
     "expRequired": false
    },
    "excludedStates": [
     "NV"
    ],
    "foreignNational": null,
    "entityRequired": null
   },
   "sources": [
    {
     "id": "df1",
     "label": "Dominion Financial: DSCR rental loans",
     "url": "https://dominionfinancial.com/dscr-loans"
    },
    {
     "id": "df2",
     "label": "Dominion Financial: Fix & flip loans",
     "url": "https://dominionfinancial.com/fix-flip-loans"
    },
    {
     "id": "df3",
     "label": "Dominion Financial: Ground-up construction loans",
     "url": "https://dominionfinancial.com/ground-up-construction-loans"
    },
    {
     "id": "df4",
     "label": "Dominion Financial: About",
     "url": "https://dominionfinancial.com/about"
    },
    {
     "id": "df5",
     "label": "Dominion Financial: Licensing",
     "url": "https://dominionfinancial.com/licensing"
    },
    {
     "id": "df6",
     "label": "Dominion Financial: Rate & program disclosures",
     "url": "https://dominionfinancial.com/program-disclosures"
    },
    {
     "id": "df7",
     "label": "Dominion Financial: Broker program",
     "url": "https://dominionfinancial.com/brokers"
    },
    {
     "id": "df8",
     "label": "Dominion Financial: DSCR loan requirements",
     "url": "https://dominionfinancial.com/learn/dscr-loan-requirements"
    },
    {
     "id": "df9",
     "label": "Dominion Financial: Ground-up construction loan requirements",
     "url": "https://dominionfinancial.com/learn/ground-up-construction-loan-requirements"
    }
   ]
  },
  {
   "slug": "temple-view-capital",
   "name": "Temple View Capital",
   "legalName": "Temple View Capital Funding, LP",
   "site": "https://www.templeviewcap.com/",
   "page": "https://doorsfunded.com/lenders/temple-view-capital/",
   "read": "2026-10-29",
   "about": "Private portfolio lender to residential real estate investors, headquartered in Bethesda, Maryland. Its footer dates Temple View Capital, LLC to 2012 and the lending entity, Temple View Capital Funding, LP, to 2016.",
   "states": "47 states. North Dakota, South Dakota and Vermont are excluded; other states may be approved by exception. Its licensing note says some services may not be available to Nevada customers.",
   "entity": "Business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name.",
   "foreignNational": "Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs.",
   "products": {
    "dscr": {
     "loan": "$55,000 to $2,500,000",
     "ltv": "Up to 80% LTV",
     "fico": "660",
     "dscr": "0.75x on long-term rentals; 1.0x on short-term rentals",
     "units": "Single family, 2-4 units, condos, townhomes, PUDs (non-owner-occupied)",
     "experience": "Not published",
     "notes": "Purchase, rate-and-term and cash-out refinance; separate cash-out LTV is not published. Qualifies at 125% of appraisal market rent, or on lease income for leased properties; leased and unleased properties eligible. Short-term rentals qualify on a 12-month Airbnb/VRBO ledger. Prepayment penalty applies (structure not published). Property must be rent-ready (rated C4 or better, no renovations) and cash-flow positive; boarding houses not accepted. Single properties or portfolios. Contradiction on the same page: the terms box says 0.75x minimum DSCR, while the advantages list says 'No DSCR Minimum for Rate & Term or Cash-Out'. The FAQ page says it lends to 'experienced real estate investors', while the homepage says it serves investors 'just starting out'.",
     "src": [
      "tv1",
      "tv6",
      "tv7"
     ]
    },
    "flip": {
     "loan": "$75,000 to $6,000,000",
     "purchase": "Up to 90% LTV",
     "rehab": "Up to 100% (rehab budget 100% funded)",
     "arv": "Up to 75% of ARV",
     "fico": "Not published for rehab loans (bridge loans require 660)",
     "experience": "Not published (experience is an underwriting factor)",
     "term": "Up to 24 months",
     "notes": "Purchase, refinance and cash-out. Advanced rehab draws available; monthly payments can be rolled into the loan. No income, tax return or reserve documentation; no asset verification (restrictions apply). LLCs, LPs and corporations. Recommends a 10% contingency. Separate bridge program: $75,000 to $4,000,000, up to 80% LTAIV, 6-24 month terms, 660 minimum credit score, no prepayment penalty, purchase transactions, entities only.",
     "src": [
      "tv2",
      "tv3"
     ]
    },
    "construction": {
     "loan": "$200,000 to $7,500,000",
     "ltc": "Up to 90% of total cost",
     "arv": "Up to 75% of ARV",
     "fico": "Not published",
     "experience": "Required (program is for experienced builders and investors)",
     "term": "12 to 24 months",
     "notes": "1-4 unit single-family homes and townhomes. Entities only (LLCs, LPs, corporations). Survey required. Non-Dutch interest; interest-only monthly payments. Reimbursement draws after inspection; approved plans and permits required. Purchase, delayed purchase, rate-and-term refinance. Construction-to-perm financing available.",
     "src": [
      "tv4"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 55000,
     "maxLoan": 2500000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": null,
     "minFico": 660,
     "minDscr": 0.75,
     "maxUnits": 4,
     "str": true,
     "strMinDscr": 1,
     "expRequired": null
    },
    "flip": {
     "minLoan": 75000,
     "maxLoan": 6000000,
     "maxLtc": null,
     "maxRehab": 100,
     "maxArv": 75,
     "minFico": null,
     "firstFlipOk": null
    },
    "construction": {
     "minLoan": 200000,
     "maxLoan": 7500000,
     "maxLtc": 90,
     "maxArv": 75,
     "expRequired": true
    },
    "excludedStates": [
     "ND",
     "SD",
     "VT"
    ],
    "foreignNational": true,
    "entityRequired": true
   },
   "sources": [
    {
     "id": "tv1",
     "label": "Temple View: DSCR loan program",
     "url": "https://www.templeviewcap.com/programs/dscr-loan-program"
    },
    {
     "id": "tv2",
     "label": "Temple View: Rehab (fix and flip) loans",
     "url": "https://www.templeviewcap.com/programs/rehab-loans"
    },
    {
     "id": "tv3",
     "label": "Temple View: Bridge loans",
     "url": "https://www.templeviewcap.com/programs/bridge-loans"
    },
    {
     "id": "tv4",
     "label": "Temple View: Ground up construction",
     "url": "https://www.templeviewcap.com/programs/ground-up-construction"
    },
    {
     "id": "tv6",
     "label": "Temple View: FAQs",
     "url": "https://www.templeviewcap.com/resources/faqs"
    },
    {
     "id": "tv7",
     "label": "Temple View: Homepage and licensing footer",
     "url": "https://www.templeviewcap.com/"
    }
   ]
  },
  {
   "slug": "asset-based-lending",
   "name": "Asset Based Lending",
   "legalName": "Asset Based Lending",
   "site": "https://www.ablfunding.com/",
   "page": "https://doorsfunded.com/lenders/asset-based-lending/",
   "read": "2026-10-29",
   "about": "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.",
   "states": "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.",
   "entity": "Business entity required. Title must be held in an LLC or corporation; a personal guarantee is required from all principals.",
   "foreignNational": "Not published.",
   "products": {
    "dscr": {
     "loan": "$85,000 to $2,500,000",
     "ltv": "Up to 80% LTV",
     "fico": "660",
     "dscr": "1.00x",
     "units": "Single family, 2-4 units, condos (also 5-9 units)",
     "experience": "Not required (first-time and experienced investors)",
     "notes": "30-year fixed term. Purchase, delayed purchase, rate-and-term and cash-out refinance; separate cash-out LTV not published. Short-term rentals qualify with AirDNA data. Blanket loans up to 20 properties. Up to 70% of vested retirement accounts and 25% of crypto count toward reserves. DSCR loans are brokered to third-party capital partners and serviced on that partner's terms. Contradictions: the DSCR page FAQ says ABL brought term rental loans in-house, while the company overview says DSCR is brokered; the overview says 'average minimum DSCR 1.0' while the product page says 1.0 minimum.",
     "src": [
      "abl2",
      "abl1"
     ]
    },
    "flip": {
     "loan": "$75,000 to $50,000,000",
     "purchase": "Up to 90% of price",
     "rehab": "Up to 100%",
     "arv": "Up to 75% of ARV",
     "fico": "660",
     "experience": "Not required; first-time flippers eligible (experienced borrowers may get higher leverage)",
     "term": "12 to 24 months",
     "notes": "Up to 92.5% of total cost. Interest-only, no prepayment penalty, 0-2 points. Draws reimbursed after inspection. Blanket loans and extensions available. Single-family, multifamily and condos. The 90% of purchase / 100% of rehab split appears on the company overview, not the fix and flip page. Separate bridge program: $75,000 to $50,000,000, up to 70% LTAIV on the product page (70% LTARV on its FAQ and the overview), 12-24 months, 660 minimum credit score, no prepayment penalty.",
     "src": [
      "abl3",
      "abl1",
      "abl5"
     ]
    },
    "construction": {
     "loan": "$75,000 to $50,000,000",
     "ltc": "Not published as LTC; up to 75% of land purchase plus 100% of construction costs",
     "arv": "Up to 75% of ARV",
     "fico": "660",
     "experience": "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",
     "notes": "100% reimbursement on construction draws, released after inspection. No prepayment penalty, 0-2 points. Blanket loans and extensions available. Single-family, multifamily and condos. The overview says 'up to 75% of land value'; the product page says 'up to 75% of purchase'.",
     "src": [
      "abl4",
      "abl1"
     ]
    }
   },
   "facts": {
    "dscr": {
     "minLoan": 85000,
     "maxLoan": 2500000,
     "maxLtvPurchase": 80,
     "maxLtvCashOut": null,
     "minFico": 660,
     "minDscr": 1,
     "maxUnits": 9,
     "str": true,
     "expRequired": false
    },
    "flip": {
     "minLoan": 75000,
     "maxLoan": 50000000,
     "maxLtc": 90,
     "maxRehab": 100,
     "maxArv": 75,
     "minFico": 660,
     "firstFlipOk": true
    },
    "construction": {
     "minLoan": 75000,
     "maxLoan": 50000000,
     "maxLtc": null,
     "maxArv": 75,
     "expRequired": null
    },
    "excludedStates": [
     "AK",
     "HI",
     "MT",
     "NV",
     "ND",
     "SD",
     "UT",
     "VT"
    ],
    "foreignNational": null,
    "entityRequired": true
   },
   "sources": [
    {
     "id": "abl1",
     "label": "ABL: Company and loan program overview (updated Sept 30, 2026)",
     "url": "https://www.ablfunding.com/company-overview/"
    },
    {
     "id": "abl2",
     "label": "ABL: DSCR rental loans",
     "url": "https://www.ablfunding.com/loan-programs/dscr-rental-loans/"
    },
    {
     "id": "abl3",
     "label": "ABL: Fix and flip loans",
     "url": "https://www.ablfunding.com/loan-programs/fix-flip/"
    },
    {
     "id": "abl4",
     "label": "ABL: New construction loans",
     "url": "https://www.ablfunding.com/loan-programs/new-construction/"
    },
    {
     "id": "abl5",
     "label": "ABL: Bridge loans",
     "url": "https://www.ablfunding.com/loan-programs/short-term-bridge-loans/"
    },
    {
     "id": "abl6",
     "label": "ABL: Where we lend",
     "url": "https://www.ablfunding.com/where-we-lend/"
    },
    {
     "id": "abl7",
     "label": "ABL: FAQs",
     "url": "https://www.ablfunding.com/who-we-are/faqs/"
    }
   ]
  }
 ]
}