Property and location
- Street address when available
- City and state when still searching
- Property type and current condition
For non-owner-occupied real estate acquisitions, renovations, rentals, and vertical construction projects financed through an eligible LLC.
Compare fix-and-flip, bridge, gap, DSCR, and new construction loans.
The best real estate investment loan is the one that fits the property today and has a credible way to be repaid. Sponsor Network reviews the project stage, economics, borrower, experience, and exit before matching a transaction to a participating private or commercial lender.
LOAN OPTIONS
Match the financing to the asset's next stage.
These products can be connected in one plan. A renovation or construction loan may exit through a sale or DSCR refinance, while a bridge loan may carry a project through acquisition, completion, or stabilization.
| Loan option | Primary use | Typical repayment path | What the lender reviews first |
|---|---|---|---|
| Fix-and-flip loan | Acquire and renovate an investment property. | Sell the completed property or refinance into eligible rental financing. | Purchase basis, rehab budget, after-repair value, borrower strength, experience, and exit. |
| Real estate bridge loan | Fund a short-term acquisition, mid-construction transition, completion, or stabilization. | Sale, refinance, or permanent financing after the next milestone. | Current property position, existing debt, capital needed, timeline, and repayment plan. |
| Gap funding | Address a defined shortfall within a larger capital stack. | The transaction's documented sale, refinance, or other lender-approved repayment plan. | Senior financing, combined leverage, borrower contribution, collateral, use of funds, and lender consent. |
| DSCR rental loan | Finance or refinance an eligible stabilized investment property held for rental income. | Property cash flow supports scheduled debt service. | Rent, expenses, debt service, appraisal, property eligibility, borrower profile, and leverage. |
| New construction loan | Acquire land where eligible and fund vertical construction through draws. | Sale, refinance, or an eligible DSCR takeout after completion and stabilization. | Land basis, plans, budget, contingency, completed value, borrower strength, construction team, and exits. |
PRODUCT AND PATHWAY
A loan product does not automatically solve an underwriting gap.
A borrower may have the right loan type but the wrong lender. The missing requirement may instead be recent GC experience, documented owner-level sale or refinance exits, key-principal participation, or selective guarantor support.
Sponsor Network first tests Lender Match. Additional support is considered only when the lender identifies a specific requirement and the complete transaction supports the role.
FIRST REVIEW
Five facts identify the useful starting point.
You do not need a finished loan package to begin, but the exact property materially improves lender matching when one has been identified.
Capital request
- Purchase price or land basis
- Renovation or construction budget
- Requested loan and borrower contribution
Repayment and timing
- Sale, refinance, or rental plan
- Target closing date
- Credit, liquidity, and completed project range
LENDING SOURCE
Private money and hard money are related, not identical.
Hard money generally describes a faster, asset-focused segment of private real estate lending. Private lenders may also offer bridge, renovation, ground-up construction, DSCR, and other business-purpose programs with different documentation, pricing, experience, and collateral requirements.
Compare private money and hard moneyFREQUENT QUESTIONS
Real estate investment loan questions.
No. Sponsor Network is not a lender. It reviews eligible business-purpose transactions, matches them to participating third-party lenders, and may consider separately documented experience or sponsor support when required.
Yes. You can begin with your name, contact information, city, and state. An identified property address becomes important once Sponsor Network and a lender review the actual transaction.
No. Sponsor Network refers non-personal, business-purpose real estate financing. A transaction that moves forward must close in an eligible LLC.
No. Approval, leverage, pricing, appraisal, documentation, and closing remain subject to the third-party lender's underwriting.
NEXT STEP
Start with the property stage and the outcome you need.
Start a quick review
For deeper preparation, use the real estate financing resource center.