Real estate investing comes in many shapes — flipping, new builds, multifamily rehabs, and long-term rental portfolios. No matter your investment strategy, having the proper loan structure can make or break your profit margin.
At New Wide Lending, we partner with top-tier private lenders, such as Rehab Financial Group, to offer investors flexible, fast, and transparent loan options. Here’s a breakdown of our most popular programs and how each one can fuel your next project.
🧱 1. 100% Fix & Flip Premier Loan
Best for: Investors buying, renovating, and reselling homes quickly.
This loan covers 100% of the purchase and rehab costs, allowing you to preserve your cash for more deals.
Up to 75% ARV based on credit and experience.
Typical term: 9 months (with optional extension).
Loan amounts range from $100K to $1.25M.
Minimum FICO: 650.
Pro Tip: Have a clean scope of work and contractor bid ready — it helps speed up underwriting and ensures fast draw releases.
🏗️ 2. Ground-Up Construction Loan
Best for: Builders and experienced investors creating new inventory from the ground up.
These loans offer up to 70% of As-Completed Value (ACV) and 90% of LTC, making them ideal for developers ready to start building.
Typical term: 12 months + extensions.
Minimum FICO: 650+, with experience preferred.
Must have an entitled land and builder resume.
Close in as little as 5–10 business days.
Pro Tip: Keep your construction timeline realistic and provide your permits early — this reduces friction with draws and inspections.
🏢 3. Multi-Family (5–10 Units) Bridge Loan
Best for: Investors repositioning small apartment properties for higher market rents.
The Multi-Family Bridge program helps you acquire and rehab properties that need value-add work before transitioning into permanent financing.
Up to 85% purchase, 100% rehab, and 65% ARV cap.
Target DSCR ≥ 1.20× based on market rents.
Typical term: 9 months + extension.
Metro areas only; min value per unit ~$35,000.
Pro Tip: Present a rent roll, capex plan, and realistic rent comps. Lender’s loves seeing your exit plan toward DSCR or agency take-out refinance.
🏠 4. 30-Year DSCR (Debt Service Coverage Ratio) Loan
Best for: Buy-and-hold investors building long-term rental portfolios.
This loan focuses on property income, not personal tax returns.
Up to 80% LTV for purchase or rate-term refinance.
Up to 75% LTV for cash-out.
Fixed 30-year, 5/1 ARM, or 10-year Interest-Only options.
Minimum FICO: 640+.
Pro Tip: Calculate your DSCR early by dividing net rent by projected loan payment. A 1.25× DSCR shows positive cash flow and strong investor potential.
⚡ How to Get Pre-Qualified Fast
Select your program — Fix & Flip, Ground-Up, Multi-Family, or DSCR.
Gather essentials: ID, entity docs, credit pull authorization, REO schedule, purchase contract, scope/budget, and rent roll if applicable.
Submit your scenario — Include ARV, timeline, and exit plan.
Receive your term sheet — Typical turnaround within 24–48 hours for complete files.
Ready to start?
📩 Email: tummyholiday@newwidelending. com
or call (310) 853 -5102 ext. 800 for a same-day consultation.
💬 Quick FAQs
Can I roll points and fees into the loan?
Usually yes for bridge programs (Fix & Flip, Multi-Family, Construction), subject to caps and ARV. DSCR loans usually require closing costs to be paid upfront.
How fast can we close?
As few as 5–10 business days with complete documentation and a clear title.
What credit score do I need?
Bridge loans often start at 650, while DSCR loans may start at 640
Disclaimer:
Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender. https://info@newwidelending.com