Ledgerock Get a term sheet
DEMO BUILD Ledgerock is an invented brand. Every rate, stat, licence number and testimonial on this page is fictional placeholder content. Nothing here is a real lender, a real offer, or financial advice.

Investor lending desk · 38 states

Term sheet in 24 hours.Priced on the rent, not your W-2.

Rental, bridge, flip and ground-up capital for investors. Send the deal, get a signed number, close in twelve days.

Submit a deal → See loan programs
  • NO DOCSNo tax returns, no W-2s, no DTI calculation
  • ENTITY OKClose in your LLC. No cap on financed properties
  • SPEEDTerm sheet in 24 hours, funded in 12 days average
  • REPEATSecond deal onward, you skip straight to diligence

Rental deal check

Sample pricing
$
$
$
$
Operating assumptions
%
%
%
Qualifies

Best pricing tier. Ready for a term sheet.

DSCR rent ÷ PITIA
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Est. rate
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Loan amount
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Monthly PITIA
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Cash flow / moafter reserves · gross -
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Cash to close
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30-year fixed, DSCR program, non-owner occupied. Sample pricing for this demo, not a quote. DSCR here is gross monthly rent divided by principal, interest, taxes, insurance and HOA, the convention lenders use on rental files. Cash flow is net of the vacancy, maintenance and management assumptions above. Not a commitment to lend; final terms subject to appraisal, title and credit review.

$412MFunded since 2019
1,860Investor loans closed
12 daysAverage purchase to wire
94%Borrowers who come back

Sample figures for this demo build.

Four programs. One underwriter.

Same desk from term sheet to wire, so nobody re-trades your deal at day nine.

DSCR Rental

Most used

Qualify on the property's rent, not your paycheck. 30-year fixed or interest-only, unlimited doors.

Max LTV
80%
Min FICO
660
Rates from
6.75%
Program detail →

Fix & Flip

48h draws

Up to 90% of purchase and 100% of rehab. Draws released within 48 hours of inspection, not "in the queue".

Max LTC
90%
Min FICO
640
Rates from
9.99%
Run the numbers →

Ground-Up Construction

Builders

Land, vertical and interest carry in one facility, for builders with two completed projects behind them.

Max LTC
85%
Min FICO
680
Rates from
10.50%
Program detail →

Bridge & Cash-Out

No seasoning

Pull equity out of a stabilized portfolio in weeks. Blanket up to 40 properties on one note.

Max LTV
75%
Min FICO
660
Rates from
8.25%
Program detail →

Twelve days, start to wire

The sequence every file runs, with the day each step lands on.

STEP 01

Send the deal

Address, price, rent or ARV. Four fields, ninety seconds, no application fee.

Day 0
STEP 02

Signed term sheet

Priced by the underwriter who will close it. A real number, not a rate range.

Within 24 hours
STEP 03

Diligence in parallel

Appraisal ordered day one, title alongside it, one document list that does not grow.

Day 2 to 8
STEP 04

Fund and repeat

Wire to title, draw schedule set, and your next deal pre-approved before you find it.

Day 9 to 12
"I sent Ledgerock an assignment contract at 4pm on a Friday and had a signed term sheet before Monday's walkthrough. My last lender took nine days to tell me they don't lend to LLCs."
Marisol Reyes31 doors · Tampa, FL · borrower since 2021Composite sample testimonial
Deal
4-unit
Program
DSCR 30yr
Loan
$487,500
Funded in
11 days

Know your rate before you close this tab.

Four fields and you'll know your rate, your loan amount and your cash to close before you close this tab.

Get pre-qualified →

Loan programs

Pick the program your deal already fits.

If your deal sits outside a box, you hear it on the first call, not in the third week.

Rate sheetSample pricing - not live
DSCR rental
6.75%
Bridge / cash-out
8.25%
Fix & flip
9.99%
Ground-up
10.50%
Double-close
1.5% flat

Floor pricing for a 760 file at 70% leverage in a primary market. Your file prices off this, not at it.

Know in ten seconds if your deal fits.

Every rate below is invented sample pricing for this demo, not a quote.

ProgramUse it forMax leverageMin FICOTermRates fromClose
DSCR RentalBuy & hold, refi out of hard money80% LTV66030yr fixed / IO6.75%14 days
Fix & FlipRehab and resell inside 12 months90% LTC + 100% rehab64012–18 mo IO9.99%7 days
Ground-UpInfill builds, 1–20 units85% LTC68012–24 mo IO10.50%21 days
Bridge / Cash-OutEquity pulls, portfolio blankets75% LTV66012–24 mo IO8.25%10 days
Wholesaler Double-CloseFunding both sides same day100% of A–BNoneTransactional1.5% flat48 hours

Scroll the table sideways to see all seven columns.

Does the flip pencil?

Move the numbers. Leverage, carry, fees and exit costs all recalculate against our actual Fix & Flip box.

Deal inputs

Sample pricing
$
$
$
%

Projected outcome

Inside the box
Loan amount
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Cash to close
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Points + fees
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Interest carry
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Net profit
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Return on cashover the hold · annualised -
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Capital stack · -

Purchase loan - Rehab holdback - Your cash -

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Send this deal to the desk →

What investors actually ask

Do you pull tax returns or calculate DTI?

No. DSCR, bridge and flip files are qualified on the property and your track record. We pull credit and verify reserves, liquidity and entity documents. Personal income never enters the file.

Can I close in an LLC?

Yes, and we prefer it. Title vests in your entity, you sign a personal guarantee, and there is no cap on how many properties you finance with us.

I'm a wholesaler. Will you fund both sides?

Transactional funding covers the A to B leg at 1.5% flat when the B to C closing is same-day and the end buyer's funds are confirmed. Send the assignment and the HUD, and we clear it in 48 hours.

What kills a deal at the last minute?

Appraisals that come in more than 8% under contract, title clouds nobody ordered early, and rehab budgets that double after the draw schedule is set. We order appraisal and title on day one specifically so the first two surface in week one, not week three.

First deal ever. Am I wasting your time?

No. First-timers price above a seasoned operator and cap at 80% LTC on flips. Bring a contractor bid and a realistic ARV comp set and the file works.

Submit a deal · no credit pull, no fee

Four questions. Then a number you can act on.

Most lenders make you fill in a 40-field application to hear "it depends". This prices the deal on screen, then a human confirms it inside 24 hours.

What happens next
Now
Indicative terms
< 4 hrs
Underwriter calls
< 24 hrs
Signed term sheet
Day 2
Appraisal ordered

Nothing on this page pulls your credit or creates an application.

Pre-qualification
Deal Numbers You

01 · What are you financing?

02 · How fast do you need to close?

No credit pull · no application fee

Realtors, wholesalers & agents

Send us the buyer. Keep the commission.

Your investor client gets funded, you get the close, and we never market to your database.

  • Co-branded pre-approval letters in your name, same day
  • A referral fee per funded deal, where state law allows it
  • A named underwriter's mobile number, not a call centre
  • Weekly pipeline report on every deal you sent
Join the partner desk

Talk to a human

Fifteen minutes with the person who prices your file.

No junior gatekeeper, no discovery call about your goals. Bring a deal and we will tell you whether it funds.

Desk hours
Mon–Fri, 7am–7pm ET
Direct line
(813) 555-0180
Deals inbox
desk@ledgerock.example
Typical reply
Under 4 hours
Book a 15-minute call