Fundsvantage
Fundsvantage Wholesale

Real Estate Brokerage & Investor Capital

Asset-based financing built for real estate investors — bridge, construction, and DSCR rental capital aligned with property performance, not traditional income documentation.

Real Estate Investing

The Factors That Move Every Deal

A disciplined view of the variables that shape every investor underwriting decision.

Property Location

Profit Opportunities

Property Valuation

Investment Purpose

Property Valuation

Real Estate Market

RE-Investment Funding

Easy REI Capital Programs

The following overview outlines the Easy REI Capital programs designed specifically for real estate investors seeking flexible, asset-based financing solutions. These programs are structured to support acquisition, renovation, rental stabilization, and long-term portfolio growth — including bridge financing and DSCR-based rental loans. Whether executing a BRRRR strategy, scaling single-family rentals, or repositioning investment properties, these solutions provide capital aligned with investor timelines and property performance rather than traditional income documentation.

EasyFix

Fix & Flip / Bridge

Rates from 8.90%

EasyFix is the industry leading Fix & Flip / Bridge loan product. No appraisal required, high leverage, and can close in 48 hours. Rates starting at 8.90%.

This Program Is For

  • Short-term acquisition + rehab deals

Core Terms

  • Rates: starting ~8.9% depending on deal
  • Leverage: up to 93% LTC
  • Max LTV: ~75% of ARV
  • Speed closings as fast as ~48 hours for strong deals
  • 10K plus monthly bank deposits
  • 660 credit score

Financing Structure

  • Purchase + rehab costs financed
  • Short-term bridge capital

Common Uses

  • Fix & flip investors
  • Distressed acquisitions
  • Auction deals
  • Value-add repositioning

Typical Projects

  • Spec homes
  • Teardown rebuilds
  • Small investor developments

Highlights

  • In-house refinance option
  • Competitive rates / points
  • No appraisals required
EasyBuild

Ground-Up Construction

Rates from 9.90%

EasyBuild is the easiest construction loan product in the country. Simplify your construction financing with a 48-hour draw process and the ability to close quicker than the competition. Rates starting at 9.90%.

This Program Is For

  • Long-term investor rental loan

Core Qualification

  • Up to 90% loan-to-cost (LTC)
  • Max LTV: ~75%
  • Rates: around 10% range starting depending on project

Credit Score Qualification

  • Typical 680+ credit score requirement

Speed

  • Closings as fast as 7 days
  • Draws processed in 24–48 hours

Financing Structure

  • Can purchase vacant property and lease after closing
  • Land purchase financing
  • Vertical construction financing
  • Draw schedule funding
EasyRent

Long-Term DSCR Rental

Rates from 5.75%

Long-term DSCR loans for cash-flowing investment properties up to 10 units, including mixed use and short-term rentals. Rates starting at 5.75%.

This Program Is For

  • Long-term investor rental loan

Core Qualification

  • Loan amount: ~$100K – $3.5M (portfolio up to ~$5M)
  • Rates: starting around 5.75% depending on deal structure
  • LTV: up to 80% purchase / rate-term refinance
  • Cash-out refinance: up to 75% LTV
  • 680 credit score

Income Qualification

  • Based on DSCR (property cash flow)
  • No W-2 income verification or tax returns required

Property Types

  • Long-term rentals
  • Short-term rentals (Airbnb / STR)
  • Vacation rentals
  • Up to 10 units in some scenarios

Additional Notes

  • Can purchase vacant property and lease after closing
  • LLC ownership allowed
  • No minimum operating history for STR acquisitions
FundRock Capital

Non-QM & Investor Programs

Our FundRock Programs focus heavily on investor real estate and Non-QM financing solutions, including DSCR, bridge, fix-and-flip, and construction loans.

DSCR Investor Loans

Investor rental property program.

Qualification Highlights

  • No income / employment verification required
  • No DTI ratio calculation
  • Designed for investors qualifying based on rental income

Property Types

  • Condotels
  • Mixed-use properties
  • 5–8 unit properties

Best For

  • Investors buying rental properties
  • Airbnb / short-term rental investors
  • Borrowers with complex tax returns
  • Buyers purchasing under an LLC
  • 680 Credit Score! Can quote strong deals at 660!

Bank Statement Loans

For self-employed borrowers.

Qualification Highlights

  • Uses 12 or 24 months bank statements
  • Personal or business statements accepted
  • As little as 3 months reserves required

Best For

  • Self-employed buyers
  • Business / investors with tax write-offs

ITIN Loans

For borrowers without Social Security numbers.

Qualification Highlights

  • Minimum FICO ~660 for Super Prime program
  • Up to ~80% CLTV
  • Loan amounts up to $1.5M

Best For

  • International buyers
  • ITIN borrowers investing in U.S. real estate

P&L Loans (Self-Employed)

For entrepreneurs with strong business revenue.

Qualification Highlights

  • 1–2 year profit & loss statement accepted
  • Must be prepared by CPA or licensed tax preparer
  • Loan amounts up to $4M

Best For

  • Business owners
  • Real estate investors with active businesses

Short-Term Bridge / Fix & Flip

Designed for transitional investor deals.

Terms

  • 12–18 month terms
  • Loan amounts $250K – $2.5M
  • Cash-out up to 65% of as-is value

Best For

  • Fix-and-flip projects
  • Distressed property acquisitions
  • Transitional investor deals

Long-Term Investor Loans

For stabilized investment properties.

Terms

  • 30-year loans available
  • Loan sizes $100K – $2M
  • Cash-out up to 65% LTV

Best For

  • Long-term rental investors
  • DSCR refinance exits
  • 680 credit score
  • At least 10K income a month

Construction Loans

For ground-up development.

Terms

  • 12–24 month loan terms
  • Loan sizes $100K – $2M
  • Starting rates around 10.99%

Best For

  • Builders / spec home construction
  • Investor development projects

Build-to-Rent Construction

For investors building rental portfolios.

Terms

  • 13 / 19 / 24 month construction terms
  • Non-recourse options available

Best For

  • Investors building rental portfolios
  • Developers building rental communities

Stabilized Bridge Loans

Bridge financing for properties moving toward long-term refinance.

Leverage

  • Purchase up to 75% LTV
  • Refinance up to 70% LTV
  • Cash-out up to 65% LTV

Best For

  • BRRRR strategies
  • Repositioning properties before refinancing
Lending Partner

Truss Investor Programs

Truss is one of our lending partners for both traditional and nontraditional financing scenarios. This channel is especially valuable for investor deals, self-employed borrowers, time-sensitive transactions, and clients who need more flexible underwriting than standard conventional financing allows.

Programs Available Through This Partner

  • DSCR Loans
  • Bridge Loans
  • Hard Money / Fix & Flip Financing
  • Construction Financing
  • Bank Statement Loans
  • Non-QM Solutions
  • HELOC / Second Mortgage Options
  • Conventional, FHA, VA, Jumbo, and Reverse Programs
  • Airbnb / short-term rental investors
  • Borrowers with complex tax returns
  • Buyers purchasing under an LLC
  • 680 Credit Score! Can quote strong deals at 660!

DSCR Loans

A strong option for real estate investors purchasing or refinancing rental property. These programs focus primarily on the property's cash flow rather than personal income, making them especially useful for self-employed borrowers, LLC-held properties, and clients whose tax returns do not fully reflect their earning ability.

Typical Requirements May Include

  • Investment property
  • Credit score generally starting around 620+
  • Down payment typically around 20%–25%
  • DSCR commonly around 1.0–1.25+
  • Lease, appraisal, and basic bank/investment property documentation
  • LLC ownership may be acceptable on eligible scenarios

Best Fit For

  • Investor purchases
  • Rental property refinances
  • Cash-out on investment properties
  • LLC or business-held real estate
  • Some short-term rental scenarios

Self-Employed & Alternative Documentation Programs

These programs are designed for borrowers whose tax returns may not reflect their true income due to business deductions or complex financial structures.

Programs

  • Bank Statement Loans
  • Stated Income Loans
  • No Doc Loans
  • Asset Depletion Loans
  • Self-Employed Mortgages

Income Verification

  • 12–24 months of personal or business bank statements may be used instead of tax returns

Down Payment

  • Typically 10–20% for primary residences
  • 20–30% for investment properties

Borrower Profile

  • Self-employed entrepreneurs
  • 1099 contractors
  • Business owners with significant tax deductions
  • Borrowers with strong deposits but low taxable income

Key Advantage

  • Borrowers may qualify using deposit history or liquid assets rather than traditional tax return analysis.

Real Estate Investor Programs

These products allow investors to qualify primarily based on property performance rather than personal income.

Programs

  • DSCR Loans
  • Fix & Flip Loans
  • Hard Money Loans
  • Bridge Loans

Credit Score

  • Generally around 620–660+ minimum depending on lender

Down Payment

  • Usually 20–25% for most DSCR loans

Property Income

  • Rental income must generally support the mortgage payment
  • DSCR ratio commonly 1.0 or higher

Reserves

  • Typically 3–6 months of mortgage payments

Property Types

  • Single-family rental properties
  • Condominiums
  • Townhomes
  • 2–4 unit properties
  • Short-term rental / Airbnb properties

Key Advantage

  • Qualification is often based on property cash flow instead of borrower income.

Home Equity Solutions

These programs allow homeowners to access existing property equity without refinancing the primary mortgage.

Programs

  • No Tax Return HELOC
  • No Appraisal HELOC
  • Bank Statement HELOC
  • Investor HELOC
  • Senior HELOC

Equity

  • Borrowers typically need at least 20% equity

Income Documentation

  • W-2 borrowers may provide 2–3 months of statements
  • Self-employed borrowers may provide 12–24 months of bank statements

Loan Amounts

  • HELOC limits can reach up to approximately $750,000 depending on equity and borrower profile

Best Use Cases

  • Renovation funding
  • Investment property acquisitions
  • Business liquidity
  • Debt consolidation
  • Accessing equity without refinancing

Bridge Loans

Designed for short-term financing needs where speed and flexibility matter.

Typical Requirements May Include

  • 1–4 unit or similar eligible residential investment property
  • Loan amounts generally from $100,000 to $3,000,000
  • Up to 80% LTV
  • Short-term structure, typically 6 to 24 months
  • Exit strategy through refinance or sale

Best Fit For

  • Time-sensitive purchases
  • Properties needing light or moderate rehab
  • Borrowers planning to refinance or sell after stabilization
  • Clients who need a faster solution than conventional lending
When a Deal Needs Structure — Send It to Brandi

Real Estate & Financing Referral Cheat Sheet

As a Funding Coordinator and Capital Structuring Advisor, I help borrowers and investors access financing solutions that extend beyond traditional retail lending. If you encounter any of the scenarios below, there is a strong chance we can structure a viable financing pathway.

Got a deal that seems tough? Send it anyway.

  • • Our lending network specializes in investor loans, self-employed borrowers, and alternative documentation financing.
  • • Programs available for borrowers starting around a 650 credit score.
  • • If there's a path to getting the deal done — we'll find it.

Self-Employed Borrowers

Send the deal when the borrower

  • Owns a business or is self-employed
  • Shows strong income but low tax return income due to deductions
  • Receives 1099 income
  • Has strong bank deposits but complicated tax returns
  • Cannot qualify through traditional income documentation

Possible Solutions May Include

  • Bank statement mortgages
  • Asset depletion loans
  • Alternative income documentation programs

Note

  • These programs are designed to capture real income through deposits, assets, or cash flow rather than tax returns.

Real Estate Investors — High-Leverage / Multi-Use Capital

Send the deal when the borrower

  • Is purchasing a rental property
  • Is buying a short-term rental or Airbnb
  • Needs financing based on property cash flow rather than personal income
  • Is building or scaling a real estate portfolio
  • Wants to refinance an investment property into an LLC
  • Needs financing across multiple properties or projects

Possible Solutions May Include

  • DSCR rental loans
  • Bridge loans
  • Fix & flip financing
  • Portfolio investor loans

Note

  • Investor programs can often provide high loan limits, flexible underwriting, and hybrid financing strategies depending on the project structure.

Homeowners Purchasing an Investment Property

Send the deal when a homeowner

  • Wants to purchase their first rental property
  • Wants to expand from homeowner to real estate investor
  • Wants to keep their current home and purchase an investment property
  • Wants to use rental income to help qualify for the loan
  • Is purchasing a long-term rental or short-term rental property

Possible Solutions May Include

  • DSCR rental loans
  • Investment property mortgages
  • Bridge financing for acquisitions
  • Hybrid investor financing strategies

Note

  • These programs allow homeowners to transition into real estate investing with flexible qualification structures and scalable financing options.

Investors Seeking Capital Stacking — Multi-Use Funding / High Limit Access

Send the deal when a borrower

  • Needs capital for real estate acquisition and renovations
  • Wants to leverage property equity for additional purchases
  • Is executing a BRRRR strategy
  • Is purchasing multiple properties or scaling a portfolio
  • Needs funding for real estate plus business use

Possible Solutions May Include

  • Investment property loans
  • Equity-based lending solutions
  • Hybrid financing strategies
  • Business credit capital stacking

Note

  • These strategies can help investors access higher funding limits and flexible capital structures to support growth. At least 10K income a month.

Difficult or Declined Mortgage Files

Send the deal when a borrower

  • Another lender declined the file
  • Debt-to-income ratios are too high
  • Income documentation is complicated
  • The borrower has strong assets but limited taxable income
  • Timing requires faster approvals or creative structuring

Note

  • Many of these deals can often be repositioned through alternative lending programs or investor-focused underwriting.

Homeowners with Equity

Send the deal when the borrower

  • Needs access to cash but does not want to refinance
  • Wants to fund renovations or improvements
  • Wants to leverage equity to purchase additional real estate
  • Wants to consolidate debt
  • Owns investment properties with significant equity

Possible Solutions May Include

  • HELOC programs
  • Investor HELOCs
  • Bank statement HELOC options

Note

  • These programs allow borrowers to unlock property equity while keeping their current mortgage in place.
Fundsvantage Next Steps

What Happens Next

Thank you for taking the time to review this lending overview. Our goal is to help identify the most strategic financing path for each client based on profile strength, property type, timing, documentation, and overall transaction goals. Because every scenario is different, the right solution often comes down to proper positioning as much as program fit.

After a scenario is reviewed

  • Confirming initial program fit
  • Identifying any documents needed for term review
  • Positioning the file for stronger lender presentation
  • Matching the scenario to the most appropriate lending channel
  • Advising whether the client should move forward now or strengthen the file first

A follow-up email will also be sent with the appropriate application links and deal review submission form for easy next steps.

Our Role

We serve as a strategic financing and placement resource, helping clients and referral partners navigate lending options through our network of lending relationships. Our role is to help structure, position, and present each scenario as strongly as possible based on the information provided.

Best way to submit a scenario

For the most efficient review, please provide:

  • Borrower overview
  • Property details
  • Estimated credit profile
  • Income or business profile
  • Timeline and transaction goal
  • Any available supporting documents

Important Notes

  • All financing scenarios are subject to lender review, underwriting, valuation, title, and final approval.
  • Program availability, rates, leverage, terms, and documentation requirements may change without notice.
  • Submission of information does not guarantee approval.
  • Additional documentation may be required based on borrower profile, property, and loan structure.
  • Not all programs are available in all states or for all property types.
  • Initial terms are preliminary unless otherwise stated by the lender.