Haus Lending Logo

Ultra Fast Loans.

We lend to experienced residential real estate investors, nationwide. We fund fix-and-flip projects, ground up construction and a variety of single family and multi-family rental loans.

Haus lending gets it. They know how to talk to pros – they will quickly work through the best funding scenario and get you the best available deal – interest charged as funds are disbursed, no ”as is” appraisal requirements. They understand that time is money, and I move fast.
– Craig Thompson, Boise, ID
– Craig Thompson, Boise, ID
Haus Lending Logo

Ultra Fast Loans.

We lend to experienced residential real estate investors, nationwide. We fund fix-and-flip projects, ground up construction and a variety of single family and multi-family rental loans.

Start Here!

To start the application process for a loan, or to speak with a Haus Lending Loan Specialist, fill out the form below or call 877-464-4287  

One of our Haus Lending Loan Specialists will respond to you shortly!

    If there’s a project you need funded, you’re in the right place. Start an application now! Haus Lending is a leading nationwide platform that has funded nearly $7 billion in loans.

    private_lender
    Nationwide Private Lender
    For Professional Real Estate

    Why Haus Lending?

    Get reliable funding for your rental property projects. In a world where liquidity is scarce, Haus Lending is here. You’re a pro real estate investor. It’s time to get a loan from a pro lender.

    We Know Loans
    As a Roc360 company, Haus Lending is powered by a leading, nationwide platform that has funded nearly $8 billion in loans.
    Ultra Fast and Efficient

    We know how important speed is in real estate and we work hard to make sure our developers have what they need when they need it.

    Personalized Concierge Service

    Receive concierge service with your own dedicated professional loan specialist to guide you from underwriting to closing.

    Outside the Box Thinking

    Real estate is complex, but our professional loan specialists have the experience and the industry knowledge to find the loan that’s right for you.

    Fix & Flip

    Haus Lending fix and flip credit lines provide you with a reliable funding source to purchase new properties or refinance existing investments.

    Fix & Flip

    • Residential (1-4 Units)
    • Loan Amount: $50K - $5M
    • Max Loan to Cost - 85% of Purchase
      Up to 100% of rehab
    • Max Loan to ARV - 70%
    • Term Length - 12 months, Up to 18 at Lender Discretion
    • Recourse - Full Recourse Only
    Get Started

    Multifamily

    Leading lender for multifamily investment property, offering extensive debt solutions through a vertically-integrated, national lending platform.

    Multifamily

    • Residential 5+ Units
    • Loan Amount - $500K - $5M
    • Loan Types - Interest only, fixed and adjustable rate mortgage options
    • Max Loan to Stabilized Value - 75%
    • Up to 24 Months + Two 6-Month Ext.
    Get Started

    Rentals

    Our real estate investment loan products are flexible to meet the needs of different rental property investors allowing you to access long-term financing at a fixed rate.

    Single family

    • Single Family/2-4 Unit/Townhomes/ PUD/ Warrantable Condos
    • Loan: $75,000 - $2,000,000
    • 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
    • Term Length: 30 Years
    • Min Guarantor FICO: Mid-Score of 660
    Get Started

    rental Portfolios

    • Single family, 2-4 units, townhomes, PUD, warrantable condos 5-8 Unit Properties allowed up to 15% of Loan Amount
    • 5-20 Unit Properties allowed up to
      15% of Loan Amount
    • Loan Amount: $150,000 - $50,000,000
    • 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
    • Term Length: 5, 10 & 30 Years
    Get Started

    MULTIFAMILY TERM

    • 5-8 Unit Residential Properties
    • Loan: $250,000 - $3,000,000
    • Max LTV
      Purchase/Rate-Term Refinance 70% Cashout Refinance 70%
    • Term Length: 30 Years
    Get Started

    Ground Up

    Haus Lending offers new construction loan financing that provides builders with a straightforward, common-sense lending program

    Ground up

    • Residential 1-4 Units
    • Loan Amount - $50K - $5M
    • Max Loan to Cost (Land) 50% | 65% of Purchase (Land | Permitted Projects)
      100% of Rehab Costs
    • Max Loan to Cost (Total) - 85%
    • Max Loan to ARV - 75%
    • Term Length - Up to 18 Months
    • Recourse - Full Recourse
    Get Started

    Stabilized Bridge

    Haus Lending’s new Stabilized Bridge loans provide you with more flexibility for your investment properties.

    Purchase

    • For borrowers who are seeking a quick close bridge loan to purchase rental properties that do not need renovations
    • Max LTC
      Subject to LTV Limits
      85% if qualifying FICO ≥ 720
      80% if qualifying FICO 700 - 719
      70% if qualifying FICO 660 - 699
    • Max LTV
      Subject to LTC Limits
      70% if qualifying FICO ≥ 700
      65% if qualifying FICO 680 - 699
      60% if qualifying FICO 660 - 679
    • Cash Out Allowed
      N/A
    • Minimum DSCR
      Minimum in place DSCR of 1.00 based on IO bridge loan payment.
      Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp
    Download Terms
    Get Started

    Seasoned Refinance

    • For borrowers with rent-ready properties that have been owned for more than 12 months, do not have deferred maintenance, and are looking for cash out (value based underwrite)
    • Max LTC
      N/A
    • Max LTV
      Rate/Term Refinance
      70% if qualifying FICO ≥ 700
      65% if qualifying FICO 680 - 699
      60% if qualifying FICO 660 - 679
      Cash Out
      70% if qualifying FICO ≥ 720
      65% if qualifying FICO 700 - 719
      60% if qualifying FICO 680 - 699
      60% if qualifying FICO 660 - 679
    • Cash Out Allowed
      N/A
    • Minimum DSCR
      Minimum in place DSCR of 1.00 based on IO bridge loan payment.
      Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp
    Download Terms
    Get Started

    Non-Seasoned Refinance

    • For borrowers with rent-ready properties that have been owned for less than 12 months and do not have deferred maintenance
    • Max LTC
      Subject to LTV Limits
      85% +100% of completed renovations if qualifying FICO >=720
      80% +100% of completed renovations if qualifying FICO 700-719
      70% +100% of completed renovations if qualifying FICO 660-699
    • Max LTV
      Subject to LTC Limits
      70% if qualifying FICO ≥ 700
      65% if qualifying FICO 680 - 699
      60% if qualifying FICO 660 - 679
    • Cash Out Allowed
      Follow LTC guidelines
    • Minimum DSCR
      Minimum in place DSCR of 1.00 based on IO bridge loan payment.
      Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp
    Download Terms
    Get Started

    Get Started

    Secure Your Real Estate Loan Today!
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    Fix & Flip

    • Fix and Flip Residential
      1-4 Units
    • Loan Amount:
      $50,000 - $5,000,000
    • Maximum LTC
      Up to 85% purchase
      Up to 100% of rehab
    • Max Loan to ARV
      70%
    • Term Length
      12 months, Up to 18 at Lender Discretion
    • Recourse
      Full recourse only
    GET STARTED

    MULTIFAMILY BRIDGE

    • Small Balance Multifamily Residential
      5+ Units
    • Loan Amount:
      $500,000 - $5,000,000
    • Loan Types:
      Interest only, fixed and adjustable rate mortgage options
    • Max LTC for Purchase
      80% of purchase value + 100% of rehab
    • Max LTC for Refinance
      75% of as-is value + 100% of rehab
    • Maximum Loan to Stabilized Value
      75%
    • Term Length
      Up to 24 months + two 6-month extensions
    • Recourse
      Loans<=$2mm: full recourse
      Loans > $2MM: Full Recourse or Limited Recourse with bad-boy carveouts Completion Guaranty/Reserve Replenishment Guaranty when applicable
    • Minimum Guarantor FICO
      Mid-Score of 680
    GET STARTED

    single family

    • Single Family Rental
    • Property Types
      Single family, 2-4 unit, townhomes, PUD, warrantable condos
    • Loan Amount:
      $75,000 - $2,000,000
    • Loan Types:
      30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
    • Term Length
      30 Years
    • Max LTC
      If Owned <3months, 80% of total cost basis if owned between 3 and 6 months, additional 5% haircut on max eligible ltv
    • Max LTV
      Purchase/rate term refi: 80%
      Cash-out refi: 75%
    • Minimum Debt Service Coverage Ratio
      1.10x (Gross Rent/PITIA)
    • Recourse
      Full recourse only
    • Minimum Guarantor FICO
      Mid-Score of 660
    • Lease Requirements
      - Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
      - Unleased Units: 90% of Market Rent (Purchase Loans only)
    Get Started

    RENTAL PORTFOLIOS

    • Rental Portfolios
    • Property Types
      Single family, 2-4 units, townhomes, PUD, warrantable condos
      5-8 Unit Properties allowed up to 15% of Loan Amount
    • Loan Amount:
      $250,000 - $50,000,000
    • Loan Types:
      30-yr Fixed Rate Mortgage (Fully Amortizing)
      5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
    • Term Length
      5, 10 & 30 Years
    • Max LTC
      80% if owned < 3 months
      No limit if owned > 3 months
    • Max LTV:
      Purchase/rate term refi: 80%
      Cash-out refi: 75%
    • Minimum Debt Service Coverage Ratio:
      For portfolios with <=$2mm and <=10 properties: 1.10x (gross rent/pitia)
      For all other portfolios: 1.20x (Net Cash Flow/Debt Service)
    • Recourse
      Non Recourse with "bad-boy" carveouts and Pledge of Equity of Borrowing Entity
    • Minimum Guarantor FICO
      Mid-Score of 680
    • Lease Requirements
      Minimum Occupancy Rate of 90% by Unit Count
      - Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
      - Unleased Units: 90% of Market Rent (Purchase Loans only)
    GET STARTED

    MULTIFAMILY TERM

    • Multifamily Term
    • Property Types
      5-8 Unit Residential Properties
    • Loan Amount:
      $250,000 - $3,000,000
    • Loan Types:
      30-yr Fixed Rate Mortgage, OR 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
    • Term Length
      30 Years
    • Max LTC
      If Owned <3 months, 80% of Total Cost Basis If Owned between 3 and 6 months, additional 5% haircut on Max Eligible LTV
    • Max LTV
      Purchase/Rate-Term Refinance: 70% Cashout Refinance: 70%
    • Minimum Debt Service:
      1.20x - 1.40x, based on subject market classification (Top, Standard, Small, Very Small)
    • Recourse
      Full recourse or non recourse with bad-boy carveouts and pledge of equity
    • Minimum Guarantor FICO
      Mid-Score of 680
    • Lease Requirements
      Minimum Occupancy Rate of 90% by Unit Count Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent Unleased Units: 90% of Market Rent (Purchase Loans only)
    GET STARTED

    GROUND UP

    • Ground Up Construction Residential
      1-4 Units
    • Loan Amount:
      $50,000 - $5,000,000
    • Maximum Loan to Cost
      Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction

      LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
    • Maximum Loan to Cost Total
      80%
    • Max Loan to ARV
      70%
    • Term Length
      12 months, Up to 18 at Lender Discretion
    • Recourse
      Full recourse only
    GET STARTED