Financing Programs Built for Every Deal Type

Fix & Flip Loans

Crafted for investors looking to purchase distressed or undervalued properties for renovation and resale. Eligible properties generally consist of single-family homes, 2–4 unit buildings, and small to large multifamily assets of 5+ units. Key qualifying factors include borrower experience, after-repair value (ARV), proposed scope of work, and available liquidity. Terms are subject to lender evaluation and underwriting.

Rehab Loans

Structured for moderate-to-heavy renovation projects where the investor needs funding for both acquisition and improvement costs. Lenders may evaluate the loan-to-cost (LTC), loan-to-ARV, rehab budget detail, and contractor qualifications. Available for residential and certain mixed-use assets. Qualification depends on borrower profile, property condition, and lender guidelines.

Hard Money Loans

Asset-based short-term financing for investors who need fast access to capital outside conventional lending timelines. Collateral, property value, and deal equity typically drive qualification rather than income documentation alone. Suitable for time-sensitive acquisitions, distressed assets, or borrowers with non-traditional financial profiles. Approval and terms subject to lender underwriting.

Bridge Loans

Short-term financing bridging the gap between acquisition and a long-term exit strategy — whether that's a refinance, sale, or stabilization. Common applications include acquiring a new property before selling an existing one, covering a gap in permanent financing, or stabilizing a rental asset. Terms, LTV, and duration are subject to lender review and property eligibility.

Ground-Up Construction

Financing for builders and developers taking a project from vacant land or demolition through vertical construction to certificate of occupancy. Lenders typically evaluate the borrower's construction experience, project budget, lot value, contractor relationship, and market conditions. Draw schedules and inspection milestones may apply. Loan amounts, LTC, and terms are subject to lender review and project underwriting.

Multifamily Properties

Bridge and construction financing for 5+ unit apartment buildings, workforce housing, and value-add multifamily acquisitions. Programs may support acquisition, renovation, construction completion, or bridge-to-permanent transitions. Qualifying factors include property occupancy, rent roll, borrower experience, debt service coverage, and market conditions. Terms and availability subject to lender review.

Commercial Properties

Private-money and bridge financing for office buildings, retail centers, industrial properties, self-storage, and other income-producing commercial assets. EXP Capitals connects borrowers with lending partners whose programs are structured around asset value, tenancy, and cash flow rather than strict conventional underwriting. Terms, LTV, and loan structures subject to lender review and property underwriting.

Mixed-Use Properties

Financing for properties combining residential and commercial uses — such as ground-floor retail with upper-floor apartments. Mixed-use assets often require lenders experienced in hybrid underwriting. EXP Capitals sources lending partners familiar with these deal types. Qualification depends on occupancy, property condition, borrower profile, and lender guidelines.

Rental Refinance

Refinance existing rental properties to access equity, lower carrying costs, or restructure debt. Eligible for stabilized single-family rentals and small multifamily assets. Qualification typically based on property value, current occupancy, and borrower profile. Terms subject to lender review.

DSCR Refinance

Debt Service Coverage Ratio (DSCR) refinancing qualifies investors based on the property's rental income relative to its debt obligations — not personal income documentation. Designed for investors with established rental income streams. DSCR thresholds, LTV, and terms vary by lender and property type.

Single Property Rental

Acquisition or refinance financing for a single investment rental property. Programs may be structured as bridge-to-DSCR or long-term rental products. Eligible property types typically include single-family residences, condos, and 2–4 unit properties. Qualification depends on property income, value, and borrower experience.

Rental Portfolio

Blanket or portfolio loan structures for investors holding multiple rental properties who want to consolidate debt, recycle equity, or streamline financing across their portfolio. Portfolio lenders underwrite the aggregate performance of the assets. Availability, structure, and terms subject to lender and underwriting review.

Adult Family Home Purchase and Refinance

Explore purchase and refinancing options for licensed adult family home operators aiming to tap into equity, reorganize current debt, or finance enhancements to their residential care property. Lenders generally assess the property's value, operational condition, licensing, occupancy rates, and the financial profile of the borrower. Terms and availability are contingent upon lender review and state regulations.

Church & Nonprofit Financing

Private-money bridge and acquisition financing for churches, faith-based organizations, and 501(c)(3) nonprofit entities seeking to purchase, refinance, or renovate real property. Lenders assess property value, organizational financials, occupancy, and purpose. Conventional lending often excludes these borrowers — EXP Capitals works to identify lending partners experienced with this sector. Terms and qualification subject to lender review.

First-Time Investor & Fix & Flip Programs

Dedicated programs for first-time real estate investors and first-time fix-and-flip borrowers who may lack an established track record but demonstrate strong deal fundamentals. Lenders may evaluate ARV, deal equity, liquidity, and the quality of the investment plan. EXP Capitals helps first-time borrowers present their scenario in the most complete and competitive way possible. Qualification and terms subject to lender underwriting.