Real Estate Investment Loans

Up to 90% of purchase.
100% of rehab.

Fix & flip, DSCR and Ground-Up financing nationwide. Send the address and we’ll reply with terms same day.

90%

Loan-to-purchase (LTP)

100%

Rehab funded

Nationwide

States we lend in

Get Terms On Your Deal

Takes about two minutes. Investment properties only.

required

Business-purpose loans on investment property only. Not for owner-occupied homes.

LOAN PROGRAMS

Capital for every stage
of the deal

Purchase, rehab, refinance, and ground-up construction loans for real estate investors.

PROGRAM 01

Fix & Flip

Purchase and rehab in one loan, with draws as work completes.

  • Up to 90% of purchase

  • Up to 100% of rehab

  • Up to 18 months

PROGRAM 02

Refinance

Pull equity or refinance into longer-term debt

  • Cash-out up to 80%

  • Rate/term available

  • 1-4 unit properties

PROGRAM 03

DSCR Purchase

Qualify on rental income.

  • Qualify on rental income
  • 30-year options
  • No income docs required

PROGRAM 04

Ground-Up Construction

Pull equity or refinance into longer-term debt.

  • 90% LTC

  • 70% Land Acquisition

  • We'll Actually Close

EXECUTION TIMELINE

From deal to closing
in four steps

Clear steps and straightforward communication from start to finish.

01

Submit the Deal

Send property address, purchase price, rehab budget, ARV and borrower information. We'll review the information and get you terms same day.

02

Review Term Sheet

We review the numbers and send leverage, rate, and fees so you know exactly what the deal looks like before moving forward.

03

Appraisal & Title

Once approved, appraisal (desktop on flips) is ordered while our team coordinated the closing conditions.

04

Close & Fund

Final documents are prepared, closing is scheduled, and funds are released according to the approved loan terms.

Principal Underwriter and Managing Partner at Collett Lending

CHRISTIAN COLLETT • MANAGING DIRECTOR & ACCOUNT EXECUTIVE

DIRECT PRINCIPAL ACCESS

Talk to the person
directly structuring your deal

At Collett Lending, you work directly with me from initial deal review through closing. I structure the loan, coordinate underwriting, communicate terms, and stay involved through funding - so there’s one point of contact accountable for moving the deal forward.

Because I work with investors and real estate transactions every day, I look beyond the application itself. I focus on the property, leverage, rehab scope, exit strategy, and what needs to happen to get the transaction across the finish line.

UNDERWRITING STANDARDS & CRITERIA

Investor Questions

Clear capital guidelines for residential real estate operators. All facilities are underwritten with institutional rigor and direct balance sheet clarity.

What terms do you offer?

For experienced borrowers with strong credit, rates can start in the 8% range, with financing available up to 90% of the purchase price and 100% of the rehab budget. Pricing varies by credit, experience, leverage, and deal strength, with rates reaching approximately 11.95% for newer borrowers or. Exact rate, points, and fees are provided upfront in your term sheet.

We do lend 100/100 for specific borrowers - please inquire.

What prior track record or flip experience is required?

First-time investors are eligible for financing. Your experience level helps determine leverage, rate, and overall loan structure. Experienced borrowers with strong credit may qualify for our best pricing and maximum leverage of up to 100% of the purchase price and 100% of the rehab budget.

What are the minimum credit score requirements?

For fix-and-flip loans, borrowers typically need a minimum 660 credit score. Stronger credit can help qualify for better pricing, higher leverage, and more favorable terms. Final approval also depends on experience, the property, and the overall strength of the deal.

On occasion we have program who can qualify for loans with lower credit scores. We understand that credit can flucuate due to floating draws.

What documents do I need to get started?

To evaluate a deal, we typically need the property address, purchase price, rehab budget, estimated ARV, borrower information, and experience history. If the property is already under contract, send the purchase agreement as well.

How fast can you close?

Straightforward transactions can often close in approximately 10–14 business days, depending on title, valuation, documentation, and borrower responsiveness. Rush closings may be available depending on the deal.

DSCR typically takes 21-28 days start to finish.

TIME-SENSITIVE ACQUISITIONS

Have a deal under contract?

I understand that time kills deals so my goal is to get you funding as fast as possible. If the deal is already under contract your timer has already started - text me the information directly at (407)-223-2981 and I'll get the process going asap.

Direct balance sheet execution • Rapid approval • Zero commitment fee