Private Lending for Real Estate Investors

Get your real estate project funded and closed faster than ever before. We Lend takes the headaches out of real estate loans with speed and simplicity. We provide investors with real estate loans from in 46 States coast to coast. As former real estate professionals, it was crucial for us to make the process as quick and as simple as possible. Learn more about our tried-and-true four-step process by reading more.

  • Fix & Flip Loans: Up to 90% acquisition and 100% rehab costs. Close in 5-7 days with no bank statements or tax returns.
  • Rental Property Loans (DSCR): Tailored for income-generating properties. Simplified qualification based on cash flow.
  • Ground-Up Construction Loans: 90% land acquisition and 100% construction funding. Perfect for new developments.
  •  Bridge Loans: Flexible, short-term financing solutions for quick closings and seamless transitions.
  •  Multifamily Loans: Financing for 5+ units, ideal for expanding your portfolio.
  •  Vertical & Horizontal Expansions: Maximize property value by adding more units or square footage.

Please note: We do NOT offer loans secured by owner-occupied homes.

Loan Amounts
$150,000 to $15,000,000
Interest Rates
10.75% to 12%
Loan Terms
6 months to 18 months
Origination Fees
1.5% to 2%
Lien Position
1st
What we do:
Fix and Flip Loans
Rental Property Loans (DSCR)
Ground-Up Construction Loans
Bridge Loans
Multifamily Loans (5+ Units)
Vertical & Horizontal Expansions
What we don’t consider:
100% Financing
Gap Funding
Junior Liens (2nd's)
Owner-Occupied Homes
Credit Check Required

yes

600+ FICO score required. No past bankruptcy or foreclosures allowed, except for our Foreclosure Bailout refinance bridge loans.
Prepayment Penalty

yes

We only charge a prepayment penalty on DSCR loans.
Typical Closing Time (Days)

7

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 90%
Max LTP Multifamily: 80%
Max LTP Commercial: 65%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 60%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 65%
Max LTP Commercial: 65%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 75%
Max LTC: 80%
Max LTARV: 65%
Commercial Value-Add
Max LTP: 65%
Max LTC: 65%
Max LTARV: 65%
Residential Construction
Max LTP Land: 65%
Max LTC: 85%
Max LTCV: 65%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Portfolio of Residential Properties
  • Retail
  • 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

Specialty Loan Types

  • Bankruptcy Resolution
  • Condo Conversion
  • Debtor in Possession
  • Foreclosure Bailout
  • Luxury Homes
  • Partner Buyout
  • Residential Long-Term Rental
  • Vacation Rental
At We Lend, we provide tailored financing solutions to help you acquire and maximize the value of your investment properties. Whether you're focused on Fix & Flip acquisitions, bridge loans, or implementing a BRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy, our flexible loan programs are designed to support your goals. Key Features: * Competitive rates for short-term and long-term investments. * Streamlined process to close deals quickly. * High LTV options to preserve your capital. * Nationwide coverage for diverse market opportunities.

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Gap Lender
  • Crowdfunding
  • Family
We Lend offers flexible and efficient rehab loan solutions to fund your renovation projects, ensuring you can bring distressed or value-add properties back to life. Key Features: * Up to 90% financing on acquisition and 100% coverage for construction costs. * Quick closings in 5-7 days, even for properties with no access or significant distress. * No need for bank statements or tax returns – we streamline the process to get you fun

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

3

Maximum After Repair Value

70%
We Lend specializes in ground-up construction loans designed to help you bring your vision to life from foundation to finish. Key Features: * Financing up to 90% of land acquisition and 100% of construction costs. * Fast closings in 5-7 days, so you can start building without delays. * No need for bank statements or tax returns – our streamlined process keeps it simple. * Perfect for investors and developers building new properties in high-demand markets.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

5

Max LTC for Ground-Up Construction Costs

80%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

no

Minimum Loan Amount

$200,000

Maximum Loan Amount

$7,000,000

Minimum Interest Rate

6%

Minimum Origination Fee

2%

Maximum Origination Fee

3%

Minimum Loan Term

60 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Maximum Loan-To-Purchase

80%

Seasoning Time

3 months

Minimum Debt Service Coverage Ratio

0.75

Minimum Credit Score

660

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

5

Minimum Property Value

$250,000

Minimum Loan Amount

$500,000

Maximum Loan Amount

$7,000,000

Minimum Interest Rate

7%

Maximum Interest Rate

10%

Minimum Origination Fee

2%

Maximum Origination Fee

3%

Minimum Loan Term

60 months

Maximum Loan Term

360 months

Seasoning Time

3 months

Minimum Debt Service Coverage Ratio

1.10

Minimum Credit Score

660

Maximum Number of Units

65

Underwriting Fee

$2000

Appraisal Fee

$400-$1000

Minimum Origination Fee Amount

$4,000

Details and Requirements

Fastest Closing Time (Days)

7

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

65

Will lend to a foreign national

no

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

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

yes

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

600

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

We Lend LLC Testimonials

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At We Lend, we specialize in providing innovative, fast, and flexible financing solutions for real estate investors nationwide. With a mission to empower growth and opportunity, we offer tailored loan programs designed to meet the unique needs of our clients, from first-time investors to seasoned professionals.

Our expertise spans a variety of asset classes, including single-family homes, multifamily properties, mixed-use buildings, and commercial real estate. Whether you’re working on a fix-and-flip project, a rental property acquisition, or a multifamily expansion, We Lend delivers competitive rates, quick closings, and personalized service to help you achieve your investment goals.

With over 30 years of combined experience in real estate lending, our dedicated team is committed to helping you scale your portfolio and maximize your returns. We pride ourselves on transparency, efficiency, and a client-first approach, making We Lend a trusted partner for real estate investors across the country.

Why Choose We Lend?

  • Quick closings, with loans funded in as little as 5-7 days.
  • Customized loan solutions, including Fix & Flip, DSCR, Ground-Up Construction, and more.
  • Nationwide lending, available in 46 states.
  • Low starting rates and high LTV options to optimize your ROI.

Let We Lend be your partner in success. Discover how our tailored financing solutions can take your real estate investments to the next level!

Company Size (Number of Employees)

18

Year Established

2018

Associations

  • National Private Lenders Association
  • American Association of Private Lenders

Office Locations

88-10 136th St , Kew Gardens, NY 11418

15 West 47th Street, New York, NY 10036

Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
  • Individual Investors
  • Friends & Family
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Table Funding with Capital Partner
  • LLC Syndicated Investors
Percentage of Loans Secured by Commercial Property

40%

Percentage of Loans Secured by Residential Property

60%

Total Number of Loans Funded to Date

1,500

Total Loan Volume Funded to Date

$6,000,000,000

Our Team

Ruben Izgelov

Co-Founder/Managing Partner

Moses Suleymanov

Director of Credit Analysis

Solomon Suleymanov

Director of Originations

Contact We Lend LLC

We Lend LLC pays us to be listed, so there is no fee to connect with them directly.

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

Our Minimum Loan Amount Is

$150,000

What we do:
Fix and Flip Loans
Rental Property Loans (DSCR)
Ground-Up Construction Loans
Bridge Loans
Multifamily Loans (5+ Units)
Vertical & Horizontal Expansions
What we don’t consider:
100% Financing
Gap Funding
Junior Liens (2nd's)
Owner-Occupied Homes

Contact We Lend LLC

We Lend LLC pays us to be listed, so there is no fee to connect with them directly.
315-810-6741 315-810-XXXX
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