Built for real estate investors.

We redesigned the mortgage to eliminate time, frustration, and surprises. Loans can close in as few as 5 days.

Predictable financing

We redesigned the mortgage to eliminate time, frustration, and surprises. Loans can close in as few as 5 days.

Tailored products

We are a direct lender to real estate investors. Our mortgage products cover most residential investment strategies. Traditional lenders cannot match our superior execution.

Certain Lending construction project.
Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Certain Lending construction project.

Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Certain Lending Residential Investments.
Certain Lending rental properties.
Certain Lending Residential Investments.
Fix and Flip

Short-term financing to buy and renovate properties with up to 10 units. We support experienced and new investors with competitive terms and pricing.

Certain Lending bridge product.
Bridge

Financing of newly constructed or renovated properties that are currently vacant and stabilized and are ineligible for permanent financing.

Certain Lending construction products.
Construction

We finance the construction of residential and small multifamily investment properties. Investors appreciate our flexible terms, ease of draw funding, and speed of closing.

Certain Lending rental properties.
Rental Properties

Permanent financing of rental properties with long-term tenants. These loans use the rental cash flow and stabilized property value to determine the loan amount.

Certain Lending short term rental buildings.
Short-Term Rental

A solution for investors who need permanent financing for their rentals listed on AirBNB and VRBO. This product allows DSCR to be calculated by using 12 months of operating history or AirDNA rents as market rent.

Multi-colored town houses.
Rental Portfolios

For experienced investors, we finance up to 10 rental properties as a single loan. These loans are often more cost effective than closing each loan individually.

Front lawn of a luxury home.
Bank Statement

Small business owners and self-employed individuals have the ability to obtain permanent financing on their rental properties by underwriting their income, instead of rental property cash flow. We do this by analyzing bank statements and do not require tax returns.

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Our process

Create an account or login here

In your portal, click “New project” and input the details for the project to request a loan

Begin checking off the initial tasks within your respective project

An offer will be released to you via your portal, and once accepted, we are off to the races to get your loan closed

Streamlined experience

Intuitive software simplifies every aspect of financing investment properties. Our clients enjoy unmatched speed, predictability, and robust risk management.

Certain Lending iPad dashboard illustration.Certain Lending iPhone dashboard illustration.
Certain Lending iPad dashboard illustration.Certain Lending iPhone tasks illustration.
Certain Lending iPad dashboard illustration.Certain Lending iPhone new project illustration.
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Hear from our clients

We develop and maintain deep relationships with our clients, becoming friends and a trusted adviser. Listen to some of them, and you’ll see why.

David Entz testimonial photo.
“When you’re in middle of a negotiation, and something is going south, it’s nice to know you have someone you can turn to, to help you out.”

– David Entz

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Questions or interested in learning more?