Steven REI

A modern two-story investment property with fresh white siding, dark-framed windows, and a neatly landscaped front yard, captured in crisp photographic realism. The house sits on a quiet suburban street with a newly paved driveway and a “for sale” style yard marker shown as a simple neutral post without text. Soft late afternoon sunlight casts gentle shadows, highlighting the clean lines of the renovation. The camera is positioned at eye level with a slight angle to show both the front and side, emphasizing curb appeal and potential value. The background is subtly blurred to keep focus on the property, creating a professional, trustworthy atmosphere ideal for a real estate investing site.

Loan Programs

Fast capital for flips, rentals, and new builds with transparent terms, clear criteria, and flexible structures.

Programs

A clean, newly built rental property captured in photographic realism, with three attached townhome-style units featuring neutral stucco exteriors, black metal railings, and large windows subtly glowing from within. The property is set along a quiet street with young trees and parked cars softly blurred in the background. Early evening blue-hour lighting creates a calm, stable atmosphere, with warm interior light spilling gently onto a smooth concrete walkway. Shot from a slightly elevated corner angle, the composition emphasizes consistent, cash-flow-focused design, symbolizing DSCR loan-backed investments and long-term rental portfolios in a professional, trustworthy style.

Fix and flip financing for acquisitions, rehab, and resale, with leverage based on purchase price and renovation budget.

A side-by-side photographic scene of a small, outdated single-story house transitioning into a newly renovated fix-and-flip property. On the left, the exterior shows worn paint, an overgrown lawn, and an aging roof; on the right, the same house appears with fresh siding, new windows, and tidy landscaping. A faint, vertical dividing line in the center visually separates before and after, with the camera at eye level and wide enough to capture both states clearly. Soft, even daylight ensures all details are visible, creating a professional, informative mood that illustrates the transformation potential enabled by hard money fix-and-flip funding.

DSCR rental and ground‑up construction loans tailored to cash flow, experience, and project costs from dirt to stabilization.

Pricing

Fix‑Flip Loan

Fix-and-Flip & Ground-Up Construction: Most projects qualify in the 10.99%–13.99% interest range, with 1–3 points at closing depending on experience, leverage, and project risk. Typical leverage is up to 85%–90% of purchase price and 100% of rehab/construction costs, not to exceed 70%–75% of the after-repair value (ARV) for fix-and-flip or 65%–70% of completed value for new builds. Terms generally run 6–18 months with interest-only payments, no prepayment penalty after the minimum interest period, and funding available to experienced and newer investors who can document a viable deal, exit strategy, and basic financial capacity.

✓ Max LTV

✓ Loan term

✓ Min FICO

✓ Close speed

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DSCR Rental

DSCR Rental & Cash-Out Refi: Typical investor DSCR loans range from about 7.50%–10.50% interest, with 1–3 points based on property type, credit profile, and documentation strength. Loan-to-value usually maxes out at 75%–80% on purchases and 70%–75% on cash-out refinances, with higher LTVs reserved for stronger DSCR coverage. Most programs require a minimum DSCR of 1.0–1.25, with more favorable pricing at 1.25+ and solid market fundamentals. Fixed terms commonly run 30 years, often interest-only for the first 5–10 years, and are underwritten primarily to the property’s income, making them accessible to investors who may not qualify for traditional bank loans but maintain clean credit, reserves, and well-performing rentals.

✓ DSCR minimum

✓ Cash‑out

✓ Interest only

✓ No tax‑returns

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Scenarios

See sample deals that show purchase price, rehab or build costs, timelines, exit strategies, and projected investor returns, so you can picture how Steven REI funding works on real projects.

View examples
An elegant, well-lit workspace featuring a large wooden desk with a detailed stack of printed loan documents, a sleek open laptop showing abstract charts without readable text, and a neat row of miniature architectural models of houses. The setting is a professional office with floor-to-ceiling windows revealing a blurred city skyline. Soft natural daylight fills the room, complemented by a warm desk lamp that creates subtle highlights on the paper edges and laptop keyboard. Photographic realism, shot from a slightly elevated angle, with sharp focus on the documents and models and a gentle bokeh on the background, conveying clarity, organization, and confidence in real estate financing decisions.