Real Deal Scenarios, Real Numbers
Three sample deals showing how our fix and flip, ground-up construction, and DSCR rental programs work in practice — from the numbers to the timeline.
Single-Family Flip — Columbus, OH
An investor found a dated 3-bed/2-bath property in a fast-moving submarket, competing against two other cash offers. Speed to a term sheet was the deciding factor in winning the deal.
The Deal
The property needed a full cosmetic rehab — kitchen, both bathrooms, flooring, and exterior paint — with a projected after-repair value of $340,000. The investor had identified the deal on a Friday and needed a term sheet in hand before the seller's Monday offer deadline.
How It Was Financed
Purchase funds covered 90% of the acquisition cost, with the full rehab budget financed through a three-draw schedule tied to inspected milestones (demo/rough-in, finishes, final punch list). Each draw was released within 48 hours of a passed inspection, keeping the contractor crew moving without gaps.
Financing Snapshot
| Purchase Price | $185,000 |
|---|---|
| Rehab Budget | $62,000 |
| Total Loan Amount | $208,650 |
| Leverage | 90% of purchase + 100% of rehab |
| After-Repair Value (ARV) | $340,000 |
| Term | 12 months |
New Construction Duplex — Charlotte, NC
An experienced builder had a buildable infill lot under contract and needed a single lender to cover both the land purchase and the full vertical construction budget.
The Deal
The plan called for a two-unit new-construction duplex on an infill lot in an appreciating neighborhood, with a projected ARV of $650,000 once complete. The builder had detailed plans, specs, and an itemized construction budget ready at application, which moved underwriting quickly.
How It Was Financed
Land funds released at closing; construction funds followed a five-stage draw schedule tied to framing, mechanicals, drywall, finishes, and final inspection. A dedicated advisor tracked draw requests throughout the build so funding kept pace with the crew's schedule.
Financing Snapshot
| Lot / Land Price | $95,000 |
|---|---|
| Construction Budget | $410,000 |
| Total Loan Amount | $454,500 |
| Leverage | 90% of total project cost |
| After-Repair Value (ARV) | $650,000 |
| Term | 18 months |
Turnkey Rental Property — Tampa, FL
A self-employed investor scaling a rental portfolio wanted long-term financing qualified on the property's rental income rather than personal tax returns, which didn't reflect the deal's true cash flow.
The Deal
The property was already tenant-occupied with a signed lease at $2,650/month, giving underwriting a clean, documented income figure to qualify against — no tax returns or employment verification needed.
How It Was Financed
With a DSCR of 1.31, the property comfortably cleared the qualifying threshold, allowing for 75% leverage on the purchase. The loan closed as a 30-year fixed, giving the investor predictable long-term debt service as they continue scaling their portfolio.
Financing Snapshot
| Purchase Price | $310,000 |
|---|---|
| Loan Amount | $232,500 |
| Leverage | 75% LTV |
| Monthly Rent | $2,650 |
| DSCR | 1.31 |
| Term | 30-year fixed |
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