Create a Loan Request

Our loan request experience is the most efficient way for you to connect with lenders. Provide most of the details that all lenders will need, just once. Then browse profiles and invite lenders to view your loan request. You can also request recommendations, and we’ll invite a few select lenders for you.

Possible But Difficult Loan Scenarios

Only available in certain areas

100% financing for house flips
Loans secured by land (up to 50% LTV)
Rural locations or far from metro area
2nd mortgages (only available in CA, AZ)
Loan amounts under $75,000
Loan amounts over $20MM
Foreign national borrowers
Special purpose properties
Horizontal development financing
Cannabis-use properties
Impossible Loan Scenarios

No lender on our platform will consider these

Gap funding
Down payment money
Loans for owner-occupied homes (except CA, AZ)
Purchase bridge loan over 70% LTV
Refinance bridge loan over 65% LTV
100% financing for rental properties
DSCR Long-term rental loan over 80% LTV
DSCR long-term rental loan with less than 680 FICO
Loans for home occupied by family member
Loans for properties outside the United States
Contact
Deal Overview
Loan Info
Final Details
Review
Contact

Provide your contact information.

Please note: Many of the following questions are directed to the Borrower, but you can answer them on behalf of the Borrower.

Please note: Many of the following questions are directed to the Borrower, but you can answer them on behalf of the Borrower.

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Contact
Deal Overview
Loan Info
Final Details
Review
Deal Overview

Please enter a few basic details about the loan request

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We can only assist with properties located in the USA.

If your loan will NOT be secured by real estate, please exit this form and contact Private Lender Link’s support team for assistance

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Contact
Deal Overview
Loan Info
Final Details
Review
Loan Info

Provide some details about the property and loan purpose.

If a subject property has more than 5 units, go back and select Commercial Property.

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Minimum Down Payment Guide

Property Short-Term Bridge Loan (up to 2 years): 30%+ in cash or equity in another investment property.

Land Short-Term Bridge Loan (up to 2 years): 50%+ in cash or equity in another investment property.

DSCR Long-Term Rental Loan (3+ years): 20%+ in cash and could be higher depending on the debt service coverage ratio. Also varies based on credit score.

Rehab Loan (fix & flip or fix & rent): 10% is the minimum down payment for a small percentage of lenders. Most lenders require 15-20% down, but they typically fund 100% of the rehab budget. Some lenders fund up to 85% of the total project costs (purchase + rehab).

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Property type, occupancy status, address, rental income, etc.

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Minimum Down Payment Guide

Property Short-Term Bridge Loan (up to 2 years): 30%+ in cash or equity in another investment property.

Land Short-Term Bridge Loan (up to 2 years): 50%+ in cash or equity in another investment property.

DSCR Long-Term Rental Loan (3+ years): 20%+ in cash and could be higher depending on the debt service coverage ratio. Also varies based on credit score.

Rehab Loan (fix & flip or fix & rent): 10% is the minimum down payment for a small percentage of lenders. Most lenders require 15-20% down, but they typically fund 100% of the rehab budget. Some lenders fund up to 85% of the total project costs (purchase + rehab).

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Minimum Down Payment Guide

Property Short-Term Bridge Loan (up to 2 years): 30%+ in cash or equity in another investment property.

Land Short-Term Bridge Loan (up to 2 years): 50%+ in cash or equity in another investment property.

Permanent Financing (3+ years): 20%+ and varies depending on the debt service coverage ratio, credit score, location and other factors.

Rehab Value-Add Loan (for investment properties): 20%+

SBA Loans (owner-occupied properties): 10%+

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Property type, occupancy status, address, rental income, etc.

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Minimum Down Payment Guide

Property Short-Term Bridge Loan (up to 2 years): 30%+ in cash or equity in another investment property.

Land Short-Term Bridge Loan (up to 2 years): 50%+ in cash or equity in another investment property.

Permanent Financing (3+ years): 20%+ and varies depending on the debt service coverage ratio, credit score, location and other factors.

Rehab Value-Add Loan (for investment properties): 20%+

SBA Loans (owner-occupied properties): 10%+

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Contact
Deal Overview
Loan Info
Final Details
Review
Final Details

Almost done. Just a few more questions.

Tell lenders the story about your loan. Summarize the challenges you've experienced with other lenders and reasons why you're seeking private financing. Explain your plan for the property, the occupancy, ability to make the payments, and how the loan will be paid off.

Provide the URL for any documents or web pages you would like to share with lenders.
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At this time, we do not accept file attachments, except images of subject property. If you wish to share documents related to the loan request, we encourage the use of a secure cloud storage system in which you can generate a public URL to share files. First enter a name/label, then paste the URL. Click the + buton to add more.

After the initial upload, files cannot be removed or added individually. If you need to add or remove any files later on, you will be required to re-upload previously added files along with any new ones.

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Contact
Deal Overview
Loan Info
Final Details
Review
Review

Please review and double-check all the details you provided.

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How do you want to share your loan request?

Lenders pay a monthly fee to be listed on our platform. Almost all lenders you'll find when browsing the site are paying a monthly fee to be listed.

For our Recomendations service, we mostly recommend lenders that are paying us a monthly fee. However, in rare cases, we may recommend a lender that will pay us a referral fee after funding your loan. The fee would be included in the lender's origination fee and it typically ranges from 0.20% (20 basis points) to 0.50% (50 basis points) of the loan amount.

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