CertainLending offers fast, high‑LTV loan products for residential and small multifamily investment properties, including construction, renovation, permanent rental, short‑term rental, portfolio, and bridge financing. Loans are entity‑only, require minimal credit (660‑700 FICO) and no income verification, and close in 2‑3 weeks (or as fast as 5 days for bridge loans), providing investors with flexible terms and near‑full financing based on property cash flow.
Funding
Funding not disclosed
Founders
Product
Problem
Real estate investors and developers often face lengthy approval processes, strict income verification, and low loan‑to‑value ratios when seeking financing for construction, renovation, or rental acquisitions, limiting their ability to act quickly on investment opportunities.
Solution
CertainLending provides a suite of loan products tailored to investment residential properties, including construction, renovation, permanent rental, short‑term rental, portfolio, and bridge financing. Loans are offered to entities with minimal credit requirements (minimum 660‑700 FICO) and no employment or income verification, allowing investors to secure funding based on credit history and property cash flow. The platform delivers rapid closings—often within 2‑3 weeks or as fast as 5 days for bridge loans—and flexible draw schedules with virtual inspections. High loan‑to‑cost and loan‑to‑value ratios (up to 92.5% LTC and 85% LTV) enable near‑full financing of project budgets. Pricing is adjusted according to borrower experience, and personal guarantees are customary, providing lenders with additional security while keeping the process streamlined.
Target Audience
The primary customers are real‑estate investors, property developers, and rental portfolio owners seeking fast, high‑LTV financing for residential and small multifamily investment properties.
Features
- Construction loans up to 85% LTC and 65% LTV, 100% financing of construction budgets, with 12‑24 month terms and 2‑3 week closing
- Renovation loans up to 92.5% LTC and 100% financing of renovation costs, 6‑18 month terms, no interest on undrawn funds
- Permanent rental financing with 30‑year terms, up to 80% LTV (75% for cash‑out), fully amortizing or ARM options
- Short‑term rental loans for Airbnb/VRBO properties, using 12‑month operating history or AirDNA rents for DSCR calculation, up to 75% LTV
- Rental portfolio loans covering up to 10 properties under a single loan, reducing overall closing costs
- Bridge loans for newly built or renovated vacant properties, 6‑24 month terms, up to 75% LTV, closing in as little as 5 days
- Entity‑only lending with optional personal guarantees, minimum FICO scores (660‑700), and no recent foreclosures or bankruptcies
- Virtual inspections and rapid draw funding (3‑4 business days after inspection) to accelerate project timelines