Fix & Flip · Ground-Up Construction · Bridge Loans
Fix and flip, construction, bridge and rental loans in California, Florida and Texas: our term sheet, our team and our borrower portal, with our private lender behind every loan.
Anatoliy KanevskyFounder · NMLS #2775380Pick the closest one. Each page has the full terms, a worked example and the paperwork you’ll need.
You deal with one company from the first call to the payoff, and the capital is there when the deal is.
I work in mortgage lending and real estate, and I’ve been on the developer’s side of a project too. So when you send me a deal, I read it the way you do: what you’re paying, what the work will really cost, what it sells or rents for when it’s done, and how much cash you need to get there.
If the numbers work, I’ll tell you which program fits and about how much leverage to expect before you spend money on an appraisal. If they don’t, I’ll tell you that too. When it’s time to sell or rent it out, our sister brokerage West Coast Capital Realty can help, and once it’s rented we can move you into a long-term DSCR loan.
Use a fix and flip loan to buy and renovate, a ground-up construction loan to build, a bridge loan to hold a finished property while it sells or leases, and a DSCR or rental portfolio loan to keep rentals long term. The table shows each program’s maximums.
| Program | Best for | Maximum leverage | Loan size | Term | Credit from | Experience |
|---|---|---|---|---|---|---|
| Fix & flip | Buy, renovate, then sell or rent | 90% of purchase + 100% of rehab | $50K–$3M | 12 months, interest only | 660 (680 for newer investors) | Not required |
| Ground-up construction | New homes | 75% of land + 100% of construction | $50K–$3M | 12 months (18–24 available) | 680 | Completed ground-up projects |
| Bridge | Finished property being sold or leased | 70% of value | $50K–$3M | 12 months, interest only | 660 (680 for newer investors) | Not required for renovated homes |
| Rental portfolio | 2–10 leased rentals | 80% LTV purchase or rate-and-term, 75% cash-out | Up to $2M | 30 years, fixed or ARM | 660 (700 for 80% LTV) | Not required |
| Multifamily bridge | 5+ unit value-add in California | 75% of purchase + 100% of renovation | $2M–$5M | 18–24 months + extensions | 725 | Multifamily in the same submarket |
Single-rental DSCR terms are on the DSCR page.
A short-term loan to buy and fix or build, then a sale or a long-term loan to keep it. We can do both, and our sister brokerage can help on the buying and selling side.
The address, the price and your budget are enough to start. You’ll hear which program fits and how much leverage to expect before you spend money on an appraisal.
Anatoliy Kanevsky reviews investor deals himself. Direct line 310-686-5053
Business-purpose loans only. The programs on this page finance non-owner-occupied investment property purchased or refinanced by an LLC or corporation. They are not available for personal, family or household purposes or for a home you live in. Owners typically sign a personal guarantee. Loans are made or arranged by West Coast Capital Mortgage (NMLS #2817729, CA DRE Corporation License #02440065) and funded by our private lender. Figures are program maximums under current program guidelines as of November 5, 2026. Actual leverage, loan amount, rate, term and eligibility depend on experience, credit, liquidity, the property, the market and underwriting. Some markets receive lower leverage or are not eligible, and programs change without notice. Nothing on this page is an offer of credit, a rate quote or a commitment to lend.