Loan Services
Real Estate Investment Loans Designed for You
Groundfloor Lending offers four flexible loan options tailored to real estate investors looking to grow their portfolios. Whether you’re flipping homes, building new properties, bridging the gap between deals, or scaling your rental empire, we have the financing solution to match your goals.
Fix & Flip Loans
Fund property purchases and renovations with speed.
Covers purchase and rehab costs. Flexible draws for each project stage. Built for fast-moving real estate deals.
Covers purchase and rehab costs. Flexible draws for each project stage. Built for fast-moving real estate deals.
Ideal For: first-time or experienced flippers.
loan options
Fix & Flip Loans
Fix and flip loans from Groundfloor Lending provide short-term financing for investors purchasing, renovating, and reselling residential properties. These loans are ideal for those looking to move fast and maximize returns on value-added projects.
- Close in as little as 7 days
- Up to 100% of renovation costs financed
- Up to 70% Loan-to-After-Repair-Value (LTARV)
- No income or employment verification
- Streamlined application process
- Competitive interest rates with flexible 6 to 18 month terms
- Minimum credit score of 640
- Minimum property value of $50,000
- Experience reviewed over the past 5 years
Ideal For: Experienced or first-time flippers looking to scale their operations quickly.
Bridge Loans
Close quickly before selling your current property.
Short-term funding for fast closings. Secure next property before you sell. Great for timing gaps in transactions.
Short-term funding for fast closings. Secure next property before you sell. Great for timing gaps in transactions.
Ideal For: Investors with
tight timelines.
loan options
Bridge Loans
Bridge loans help investors act fast when opportunities arise. Whether you need to purchase a new property before selling another or fund a short-term renovation, our bridge loans offer the speed and flexibility required in today’s market.
- Close in as little as 7 days
- No income or DSCR requirements
- Flexible terms from 6 to 24 months
- Up to 75% Loan-to-Value (LTV)
- Streamlined application process
- Interest-only payments
- No prepayment penalties
- Use existing property equity to access fast capital
Ideal For: Investors navigating tight timelines or juggling multiple deals.
DSCR Loans
Finance rentals using property income, not personal income.
Use rental income to qualify, not employment. Build long-term wealth through real estate. Short- or long-term rentals.
Use rental income to qualify, not employment. Build long-term wealth through real estate. Short- or long-term rentals.
Ideal For: Rental-focused
real estate investors.
loan options
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are perfect for investors growing their rental property holdings. These loans are based on a property’s rental income, not your personal income, making them ideal for scaling efficiently.
- No tax returns or W-2s required
- Based on property cash flow with DSCR as low as 1.1
- 30-year fixed and interest-only options
- Available for SFR, multifamily, and condo rentals
- Minimum credit score of 660
- 20% down payment required
- Up to 80% Loan-to-Value (LTV)
- Nationwide coverage with investor-friendly terms
Ideal For: Long-term investors, buy-and-hold strategies, or short-term rental owners looking to leverage property income.
Construction Loans
Finance new builds from start to completion.
Fund construction from start to finish. Staged draws for every build phase. Finance new builds with confidence.
Fund construction from start to finish. Staged draws for every build phase. Finance new builds with confidence.
Ideal For: Builders and
real estate developers.
loan options
New Construction Loans
Our new construction loans are designed for investors and builders developing single-family, townhome, or small multifamily projects. Groundfloor Lending helps finance both the land purchase and construction costs, so you can bring your vision to life without delays.
- Up to 90% loan-to-cost and 100% construction financing
- Interest-only payments on disbursed funds during construction
- Origination fees financed into the loan
- Quick approvals with minimal documentation
- 15% down payment required
- Supports a range of residential property types
- Maximum loan amount of $2.5 million
- Experience reviewed over the past 5 years
Ideal For: Real estate developers or investors transitioning from flips to ground-up builds.
Groundfloor lending
How It Works
- Apply Online: Complete our simple application
- Get Approved: Receive your conditional approval
- Submit Property Details: Provide information about your investment opportunity
- Review Terms: We'll present loan options tailored to your specific deal
- Close Quickly: Get funded fast and start your project
