Bridge and Rental Loans Made Easy

Diya is a national lender that provides a competitive suite of short and long-term financing solutions for real estate investors. Backed by a global investment manager, we provide reliable and cost-effective capital that allows you to scale your business.  Diya leverages proprietary technologies, and our digital borrower experience creates a simple and efficient lending process. We manage all draw underwriting and funding in-house, and assist with various other loan servicing needs.

  • Fix & Flip or Rehab-to-Rent
    • Up to 90% LTC
  • DSCR Long-Term Rental Loans
    • Competitive Pricing
    • Up to 80% LTV
  • Refinance Bridge Loans
    • Up to 75% LTV

We do not offer loans for owner-occupied properties or commercial real estate.

Property Geographic Area Details
Nationwide except 6 states: ID, NV, ND, SD, UT, VT. We consider urban and suburban areas only.
Loan Amounts
$75,000 to $2,500,000
Interest Rates
6.5% to 12%
Loan Terms
6 months to 360 months
Origination Fees
0% to 3%
Lien Position
1st
What we do:
Residential Investment Properties
Multifamily Properties up to 8 Units
Rehab Fix & Flip Loans
Refinance Bridge Loans
DSCR Long-Term Rental Loans
What we don’t consider:
100% Financing
Rural Areas
Owner-Occupied Homes
Short-Term Rentals
Ground-Up Construction Loans
Credit Check Required

yes

Minimum 680 FICO score required
Prepayment Penalty

no

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 80%
Max LTP Multifamily: 70%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 70%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 70%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 80%
Max LTARV: 70%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Mixed-Use
  • Multifamily
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Long-Term Rental

Specialty Loan Types

  • Condo Conversion
  • Partner Buyout
  • Residential Long-Term Rental
  • Reverse 1031 Exchange
We fund up to 90% of the purchase price for rehab projects and up to 80% of purchase for a residential long-term rental loan. If using a gift as equity/down payment, it would require a 5% LTV limit reduction.

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Family

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

0

Maximum After Repair Value

70%

Minimum Loan Amount

$100,000

Maximum Loan Amount

$2,000,000

Minimum Interest Rate

6.5%

Maximum Interest Rate

10%

Maximum Origination Fee

3%

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Maximum Loan-To-Purchase

80%

Minimum Debt Service Coverage Ratio

1.00

Minimum Credit Score

680

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

1

Maximum Number of Properties

10

Minimum Property Value

$75,000

Underwriting Fee

$995

Other Fee

Wire Fee: $50; Recording Fee: $50; Flood Cert Fee: $16/property

Fees which are paid to a third party company

  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

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

8

At this time we are only offering bridge and rehab loans for multifamily properties. We may offer long-term financing for multifamily in the near future.

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Minimum Credit Score Required

680

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
Legal Disclaimer

Loan programs subject to change based on market and underwriting conditions. Interest rates and other terms are subject to change with or without notice and may vary based on the credit worthiness of the borrower, property type and state, and other considerations. Loans are for investment purposes only and not for personal, family, or household use. NMLS 2171121. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-145751. AZ Mortgage Broker License MB-1030388. OR Mortgage Lending License 2171121.

Contact Diya Finance

Diya Finance pays us to be listed, so there is no fee to connect with them directly.
(877) 960-9292 (877) 960-XXXX
Click to show phone number
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Well-Capitalized
Backed by a global investment manager, we provide reliable and cost-effective capital that allows you to scale your business

Easy Process
Leveraging proprietary technologies, our digital borrower experience creates a simple and efficient lending process

Post-Close Support
We manage all draw underwriting and funding in-house, and assist with various other loan servicing needs

License

NMLS ID 2171121, CA 60DBO-145751, AZ MB-1030388, OR 2171121, MN MO-2171121

Office Locations

Diya Finance
515 Marin St Suite 316, Thousand Oaks, California 91360

Diya Finance
6400 S Fiddlers Green Cir Ste. 300, Greenwood Village, Colorado 80111

Primary Capital Source
  • Private Equity Funds

Contact Diya Finance

Diya Finance pays us to be listed, so there is no fee to connect with them directly.
(877) 960-9292 (877) 960-XXXX
Click to show phone number
Send email Create a Loan Request

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$75,000

What we do:
Residential Investment Properties
Multifamily Properties up to 8 Units
Rehab Fix & Flip Loans
Refinance Bridge Loans
DSCR Long-Term Rental Loans
What we don’t consider:
100% Financing
Rural Areas
Owner-Occupied Homes
Short-Term Rentals
Ground-Up Construction Loans

Contact Diya Finance

Diya Finance pays us to be listed, so there is no fee to connect with them directly.
(877) 960-9292 (877) 960-XXXX
Click to show phone number
Send email Visit Website

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Send an email to Diya Finance