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Questions?
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Get quick answers from a lending team that understands local acquisition, rehab, and bridge financing across Utah.
How do you determine rates, leverage, and loan terms?+
Our rates and terms are determined by property value, borrower experience, project scope, and market conditions. We structure each loan to the specific deal instead of forcing one template.
If my project takes longer than expected, can you extend the loan term?+
Yes. Extension requests are reviewed case-by-case. Contact us as soon as timing changes so we can evaluate project status and discuss next steps before maturity.
Do you lend to first-time flippers?+
Yes. We work with both first-time and experienced investors. First-time borrowers may need additional documentation and a stronger execution plan.
How do you determine the after-repair value ("ARV")?+
We determine ARV through comparable sales, market analysis, and property-level review. Accurate scope and budget details from the borrower are key to a fast valuation decision.
How do repair draws work?+
Draws are released as approved milestones are completed and verified. We keep communication direct so your project can move efficiently from phase to phase.
What if repair costs differ from the original budget?+
Minor variances are common. If costs shift materially, we review updated scope, timeline, and valuation assumptions to determine whether a modification is appropriate.
Do you pull credit? If so, when?+
Yes. Credit may be reviewed during underwriting after initial deal qualification and property analysis.
What reserves do I need to qualify?+
Reserve requirements vary by deal complexity and risk profile. Most projects require a defined liquidity cushion to support payments and contingencies.