Real Estate
Real estate investors, developers, and property managers need fast, flexible financing to close acquisitions, fund renovations, and refinance existing properties. Impruvu connects real estate professionals with specialized lenders offering bridge loans, fix-and-flip financing, and commercial mortgages from $100,000 to $10 million, with the speed to close in as few as 10 business days.
Funding for Real Estate
Real estate investing moves fast, and the ability to close quickly is often the difference between winning and losing a deal. Traditional bank financing can take 45-90 days to close, causing investors to miss time-sensitive opportunities. Bridge loans and hard money loans from private lenders close in 10-14 business days, giving investors the speed advantage they need in competitive markets.
Impruvu partners with a network of real estate lenders including private money lenders, DSCR loan providers, and SBA-approved lenders. Bridge loans from $100,000 to $5 million fund acquisitions and renovations with 12-24 month terms, allowing investors to complete fix-and-flip projects or stabilize rental properties before refinancing into permanent financing. DSCR (Debt Service Coverage Ratio) loans qualify investors based on the property's rental income rather than personal income, making them ideal for portfolio investors with multiple properties.
For commercial real estate purchases including office buildings, retail centers, industrial properties, and multifamily buildings with 5 or more units, we connect you with commercial mortgage lenders and SBA 504 loan providers. SBA 504 loans offer below-market rates with only 10% down for owner-occupied commercial properties, making them a powerful tool for businesses purchasing their own office, warehouse, or production space.
Common Real Estate Funding Challenges
Why Choose Impruvu for Real Estate Funding
- Bridge loans closing in 10-14 business days for acquisitions and fix-and-flip projects, up to 90% LTV on purchase price
- DSCR loans that qualify based on property rental income, not personal income, ideal for portfolio investors
- Commercial mortgages and SBA 504 loans with only 10% down for owner-occupied properties and rates below conventional options
- Experienced lender network covering residential flips, multifamily, mixed-use, retail, industrial, and office properties
Recommended Funding Products
Frequently Asked Questions
Bridge loans through our lending partners typically close in 10-14 business days from application. In some cases, closings can happen in as few as 7 business days when the property appraisal and title work are expedited. This is significantly faster than traditional bank financing, which averages 45-90 days, and gives investors the speed to compete with cash buyers.
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income the property generates rather than your personal income or employment. If the property's monthly rental income covers at least 1.0 to 1.25 times the monthly mortgage payment (including taxes, insurance, and HOA), you can qualify. This makes DSCR loans ideal for investors who own multiple properties or are self-employed, since no personal tax returns or W-2s are required.
Fix-and-flip bridge loans typically offer 80-90% of the purchase price and up to 100% of the renovation budget, with a maximum combined loan-to-value of 70-75% of the after-repair value (ARV). For example, on a property with a $200,000 purchase price and $50,000 in planned renovations with an ARV of $350,000, you could potentially borrow up to $180,000 for the purchase and $50,000 for renovations. Down payments typically range from 10-20% of the purchase price.
Yes. Commercial real estate loans are available for office buildings, retail spaces, industrial properties, warehouses, and multifamily buildings with 5 or more units. SBA 504 loans require only 10% down for owner-occupied commercial properties and offer fixed rates for 10-25 year terms. Conventional commercial mortgages typically require 20-25% down with 5-25 year terms. Investment commercial properties can be financed with DSCR-based commercial loans.
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