Fix & Flip
Purchase and rehab financing for properties you plan to resell.
Start a requestFunding Solutions for Real Estate Investors
Access Capital. Build Confidence. Create Legacy.
Jerni Access Capital helps real estate investors compare financing options for the property you want to buy, improve, or hold — based on the property, the numbers, and the timeline.
- Loans available in 49 states and Washington, D.C.
- No credit information requested
- Business-purpose financing
Photo by Lance Asper on Unsplash
A practical place to start
Start with the deal. Then choose the financing.
You do not need to arrive with a loan program already picked out. Share the property, your plan, and the numbers you have. We will help you work through the financing questions that matter.
- 01Which loan type fits the project
- 02What the deal may need to qualify
- 03How much cash may be required
- 04Which lender programs may fit
Loan options
Financing built around the property plan
Explore common business-purpose loan types for investors. Program availability and terms vary by property, borrower, lender, and state.
DSCR Rental
Rental property loans based mainly on the property's cash flow.
Start a requestBridge
Short-term financing for purchases and other time-sensitive deals.
Start a requestGround-Up Construction
Financing options for experienced builders and real estate investors.
Start a requestDeal evaluator
Run the numbers before you request funding
Enter the basics of the deal to see an estimated loan size, the cash you may need to bring, and how much room the deal has. Estimates only — actual terms vary by lender, borrower, and property.
The deal
What the numbers suggest
- Total project cost
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- Estimated maximum loan
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- Estimated cash needed
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- Projected margin at ARV
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Enter the purchase price, rehab budget, and ARV to see estimates.
Start a funding request with these numbersNot sure about your ARV? Don't guess — it's the number that makes or breaks the deal. Schedule a free call and we'll help you validate it.
Tell us about the deal
Start a funding request
Answer a few questions about the property and your timeline. No Social Security number or credit information is requested here.
Where we work
Real estate financing in 49 states and Washington, D.C.
Jerni Access Capital serves real estate investors in every state highlighted on the map. Tell us where the property is located so we can identify programs that may fit the deal.
Loan availability and terms vary by loan structure, borrower qualifications, LTV, and property factors.
Not currently available: Utah.
After you submit
What happens next
Share the basics
Tell us about the property, the amount you need, and your timing.
We review the request
We check the details and look for lender programs that may fit the deal.
Talk through the options
We will call or email you to discuss the request and what to do next.
Investor questions
How real estate financing works in real deals
Can I use a bridge loan for the initial purchase, do light repairs, and refinance into a DSCR loan without bringing a new 20% down payment to the closing table?
Yes. A refinance does not require a new down payment. Typically, you will not need to bring additional money to the table, provided the new loan proceeds are sufficient to pay off the existing loan and cover the transaction's requirements.
Do hard money lenders care where my down payment comes from, such as a HELOC, personal loan, or business line of credit?
Some lenders do, and some do not. For example, one lender may accept funds from a HELOC while another will not. We identify how your funds are sourced and match the request with a lender whose guidelines fit the situation.
Can I bundle the equity from properties I already own free-and-clear to serve as the down payment for a new portfolio DSCR loan?
Yes, it may be possible to leverage equity in other properties rather than liquidating them for cash. Cross-collateralization depends on the lender, so the request must be placed with a lender that permits that structure.
Will a DSCR lender underwrite my property based on projected Airbnb income, or do I need a signed 12-month lease?
For a short-term rental, lenders generally use documented past Airbnb or short-term-rental income rather than projected income. The documentation and calculation method will depend on the lender's program.
Can I live in one of the units—a house hack—if I purchase a multifamily property using a DSCR or hard money loan?
No. DSCR and hard money loans are business-purpose loans for non-owner-occupied properties. In many multifamily situations, keeping the property fully investment-focused may also be the stronger strategy.
Can I get a DSCR loan as a first-time investor with no real estate experience?
Yes. Lenders care about experience, but first-time investors can still qualify for DSCR financing. Your credit score becomes especially important when you do not yet have a proven real estate track record.
What is the absolute minimum loan amount lenders will accept for a DSCR or hard money loan?
There is no single minimum across every lender. Most lenders prefer loan amounts of at least $75,000, but some will consider smaller loans. We look for the lender whose minimums fit the specific deal.
If a hard money lender funds 80% LTC, do I still need to bring money to the table for the renovation budget?
No—not as an additional 20% contribution toward each rehab expense. If a lender offers 80% loan to cost, or 80% loan to purchase, that means your down payment is 20% of the purchase price. The lender can then cover 100% of the eligible rehab costs, typically through draws, as long as the total loan amount—including the purchase financing and rehab budget—stays within its loan-to-ARV limit. For example, if the lender's maximum is 65% loan to ARV, the complete loan must remain at or below 65% of the property's after-repair value.