Create a Loan Request
Click to show phone number (206) 451-1455 (206) 451-XXXX
Send Email Create a Loan Request

Certain Lending

Certain Lending, based in Seattle, Washington, specializes in private lending for real estate investors nationwide. They offer a range of loan products, including Fix and Flip, Bridge, Construction, and Rental Property loans, focusing on transparency and efficient lending processes.

Click to show phone number (206) 451-1455 (206) 451-XXXX
Email
Invite
Common Loan Scenarios
  • Residential Investment Properties
  • Multifamily up to 10 units
  • Rehab Loans up to 92.5% LTC
  • Short-Term Bridge loans
  • Ground-Up Construction loans
  • DSCR Long-Term Rental loans
Scenarios Not Considered
  • 100% Financing
  • Gap Funding
  • Owner-Occupied Homes
  • 2nd Mortgages
  • Land Loans
  • Rural Locations
  • Commercial Properties
  • Credit Scores under 660
Purchase Short-Term (no Value-Add)
Max LTP Residential: 92.5%
Max LTP Multifamily: 80%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 65%
Refinance Long-Term
Max LTV Residential: 80%
Max LTV Multifamily: 75%
Residential Fix & Flip
Max LTP: 92.5%
Max LTC: 92.5%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 92.5%
Max LTC: 92.5%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 75%
Max LTC: 80%
Max LTARV: 60%
Residential Construction
Max LTP Land: 60%
Max LTC: 85%
Max LTCV: 65%
Property Types
  • 2-4 Units Residential
  • Condominium
  • Portfolio of Residential Properties
  • Single Family Residence
Loan Types
  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental
  • Multifamily Bridge
  • Multifamily Rehab
  • Multifamily Long-Term
Specialty Loan Types
  • Residential Long-Term Rental

Details and Requirements

Property Geographic Area Details

Nationwide except 8 states: Hawaii, Illinois, Nevada, North Dakota, South Dakota, Vermont, West Virginia, Utah

Loan Amounts

$100,000 to $4,000,000

Interest Rates

5.75% to 11.75%

Origination Fees

0% to 3%

Loan Terms

6 to 360 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

For value add loans, we will do a soft pull. For long term loans, we will do a hard pull. We do not allow for more than 1 missed mortgage late, or more than 3 missed payments across trade lines.

Minimum Credit Score Required

660

Prepayment Penalty

yes

Prepayment Penalty Details

We allow for multiple types of PPP, depending on state. 5-4-3-2-1, 1-1-1-1-1, 3-2-1, 1-1-1, 2-1, 1 and none.

Payment Structure
  • Interest Only
  • Amortized
Maximum Units for Multifamily Properties

10

Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
Documentation Required
  • Credit Report
  • Bank Statements
Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Always Before Funding

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

yes

Foreign national must have proof to be allowed in the united states for at least 12 months.
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial

Direct Lender for Real Estate Investors Nationwide​

At Certain Lending, we specialize in providing a comprehensive suite of loan products tailored for real estate investors. Our offerings include Fix and Flip loans for purchasing and renovating properties, Bridge loans for transitioning between investments, Construction loans for building new residential and small multifamily properties, and Rental Property loans for long-term financing based on rental income. We also offer Short-Term Rental loans for properties listed on platforms like Airbnb and VRBO, Rental Portfolio loans for financing multiple properties under a single loan, and Bank Statement loans catering to self-employed individuals by assessing income through bank statements rather than tax returns. 

Choosing Certain Lending means partnering with a lender that prioritizes speed, flexibility, and transparency. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on reliability and tailored solutions, we empower both new and seasoned investors to scale their portfolios confidently.

Please note: We do not offer loans for owner-occupied homes, raw land, or commercial properties.

Certain Lending’s Lending Activity
Data Provided By Elementix
Elementix Logo
12mo Loan Volume

$969,005,496

12mo Loan Count

2,230

Total Loan Volume

$2,498,475,993

Average Loan Size

$397,467

Loan Count by State (Past 12 Months)
WA: 501, AZ: 318, CA: 142, FL: 301, OH: 285, TX: 197, PA: 120, GA: 164, NC: 91, TN: 111
Data provided by Elementix | Disclaimer

Certain Lending is a technology-driven lender dedicated to real estate investors. We lend nationwide on 1-10 unit residential properties including fix-and-flip, bridge, construction, and rental/DSCR loans—designed to meet the diverse needs of investors. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on transparency and reliability, we empower both new and seasoned investors to scale their portfolios confidently. Backed by deep industry expertise, we act as a true partner to our clients—offering responsive, high-touch service that ensures a smooth and supportive lending experience from start to finish.

Office Locations

1000 2nd Ave, Suite 2500, Seattle, Washington 98104
License

NMLS ID 1716495

Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
  • Bank Credit Line
  • Life Insurance Companies
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Table Funding with Bank
  • A/B Note Participation with Bank
  • A/B Note Participation with Private Investor
Total Number of Loans Funded to Date

5,300

Total Loan Volume Funded to Date

$1,900,000,000

Info Our minimum loan amount is $100,000

Send an email to Certain Lending

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Create a Loan Request Invite To Existing Request

Connect with Certain Lending:

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE