Business-purpose loans for real estate investors
Up to 90% of purchase.
100% of rehab.
Fix & flip, bridge, and DSCR rental financing nationwide. Send the address and we’ll reply with leverage, rate, and fees in writing.
90%
Loan-to-cost (LTC)
100%
Rehab funded
[XX]
States we lend in
Get Terms On Your Deal
Institutional pricing delivered within 24 hours. No upfront application fees or hard credit pulls.
Guaranteed term sheet in under 24 hrs · Direct underwriter review
LOAN PROGRAMS
Capital for every stage
of the deal
Purchase, rehab, bridge, rental, and refinance 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
- Term [XX] months
PROGRAM 02
Bridge
Short-term capital to close fast.
- Leverage up to [XX]%
- Rates from [X.XX]%
- Term [XX] months
PROGRAM 03
DSCR Rental
Qualify on rental income.
- Qualify on rental income
- 30-year options
- No income docs required
PROGRAM 04
Refinance
Pull equity or refinance into longer-term debt.
- Cash-out up to [XX]%
- Rate/term available
- 1-4 unit properties
EXECUTION TIMELINE
From deal to closing
in four steps
Clear steps and straightforward communication from start to finish.
01
Submit the Deal
Send property fundamentals and purchase contracts directly to decision-makers.
02
Review Term Sheet
We review the numbers and send leverage, rate, and fees in writing.
03
Appraisal & Title
Simultaneous valuation and title review handled by our dedicated closing team.
04
Close & Fund
We finalize documents, close, and fund according to the approved terms.
CHRISTIAN COLLETT • MANAGING DIRECTOR & ACCOUNT EXECUTIVE
DIRECT PRINCIPAL ACCESS
Talk to the person
originating your deal
Most private lenders insert junior intake coordinators and distant credit committees between you and your capital. At Collett Lending, you negotiate and structure directly with the principal managing the balance sheet.
Having acquired, repositioned, and transacted commercial and residential assets as an active investor and agent, I assess projects from a sponsor perspective: valuing deal momentum, clean term sheets, and non-negotiable execution speed.
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 prior track record or flip experience is required?
We evaluate borrowers across tiered experience bands. First-time investors are eligible with standard leverage (up to 75% LTC), while operators with 3 or more verifiable completions in the past 36 months qualify for preferred tier pricing and maximum leverage up to 90% purchase / 100% rehab.
What are the minimum credit score requirements?
Our baseline mid-score threshold is 660 for standard programs. Because loans are asset-backed and structured around the property's after-repair value, we do not require global cash flow underwriting or W-2 debt-to-income verification.
How are construction and rehab draws administered?
Rehab funds are held in escrow and disbursed via third-party digital or on-site inspections. Once an inspection is verified, draw requests are released via wire within 48 business hours to ensure contractor momentum.
Can capital close directly in an entity name (LLC or Corporation)?
Yes. All credit facilities are commercial real estate loans and must close in the name of an active domestic business entity (LLC, LP, or Corporation). A personal guaranty is executed at settlement by majority equity holders.
Do you finance owner-occupied or consumer residential properties?
No. Collett Lending operates exclusively as a business-purpose commercial lender. All collateralized real estate must be non-owner occupied and acquired or refinanced strictly for investment, rental, or speculative development purposes.
TIME-SENSITIVE ACQUISITIONS
Have a deal under contract?
Submit your executed purchase agreement and preliminary numbers. Our credit committee reviews the collateral directly and issues written term sheets within 24 hours.
Direct balance sheet execution • Rapid approval • Zero commitment fee