Quanta Finance offers fix-and-flip loans, bridge loans, new construction loans, DSCR rental loans, refinancing, and heavy rehab financing for non-owner-occupied residential investment properties, including single-family and multi-family.
We work with both experienced and first-time real estate investors who are purchasing investment properties for renovation and resale. The property must be non-owner-occupied, and the borrower should have a clear exit strategy.
Our loans can close in as little as 5 days, depending on deal readiness and documentation. We're known for fast real estate funding that allows our investors to take advantage of time-sensitive opportunities.
You’ll typically need a loan application, purchase contract, renovation budget, entity documents (if applicable), a scope of work, and possibly past project experience. For rental loans, property income documentation may also be required.
Most programs require a minimum credit score of 620, though exceptions may be made based on borrower experience, project strength, and exit strategy.
Loan amounts typically range from $100,000 to $10 million, depending on the type of project, borrower qualifications, and property location.
Most of our loans offer 6- to 18-month interest-only terms. This keeps your monthly payments lower while you execute the project and prepare for sale or refinance.
Yes — we typically fund up to 90% of the purchase price and 100% of renovation costs, as long as the loan remains within our maximum loan-to-after-repair value (ARV) limits, usually up to 75% ARV.
We currently lend in 39 states nationwide and are always expanding. Contact us to confirm availability in your market.
A hard money loan is a short-term, asset-based loan used by investors to fund projects quickly. Unlike traditional mortgages, these loans are based on the property’s value and potential, not just borrower income or credit.
We use licensed appraisers, investor input, and market comps to estimate the ARV. This helps us underwrite the loan based on the property’s future value after improvements.
Typical fees include an origination fee, underwriting fee, appraisal, and draw inspection fees. As a relationship-based lender, we provide full transparency and are happy to walk you through a clear breakdown of all costs up front.
Yes! We offer ground-up construction loans for residential single-family and multi-family projects, including funding for lot acquisition, construction draws, and even exit strategies, such as bridge or DSCR loans.
Construction draws are issued after third-party inspections verify completed work. We work with you to align draws with your project milestones and schedule.
Yes. Many investors use a fix-to-rent strategy, where they refinance into a long-term DSCR rental loan after renovations are complete and the property is stabilized.
No, but it helps. We welcome both seasoned investors and first-time flippers. If your deal is strong, we’ll help you get it funded—with tailored programs to meet your experience level.
We fund both individuals and legal entities, including LLCs, corporations, and trusts. Many investors prefer to borrow through an entity for liability and tax reasons.
We fund a wide range of residential investment properties, including single-family homes, 1–4 unit rentals, and multi-family buildings. Owner-occupied properties do not qualify.
You can start your application online or call us at 714-696-6915 to speak with a lending specialist. We’ll guide you through a quick pre-qualification and get you on your way.