Creative Lending USA
Creative LendingUSA

Investor loans,
same‑day terms.

DSCR, fix-and-flip, bridge and construction loans for U.S. and foreign investors.

  • Same dayterm sheet
  • No hard pullto get your terms
  • Worldwideinvestors served
Renovated single-family rental house

Loan, insurance, title. One team.

  • InsuranceLandlord, builder's risk and flood, quoted with the loan.
  • Title and closingSign in person, remotely or at a U.S. consulate.
Closing documents and house keys on a table

Know where your loan stands.Every hour.

Every step from term sheet to funded. One-tap document upload. Your loan officer, one message away.

A loan we arranged

Fix and flip · Egg Harbor Township, New Jersey

Large renovation funded in an LLC

U.S. investor, multi-member LLC

Loan
$790,000
As-is value
$540,000
After-repair value
$1,100,000
See fix and flip loans

Terms vary by property and borrower.

From request to funded

  1. Send the dealFive minutes. No hard credit pull.
  2. Same-day term sheetRate, leverage and costs on your actual deal.
  3. Insurance and titleOrdered while underwriting runs.
  4. Close and fundBridge and fix and flip in 7-14 days. DSCR in 30 days.

Run the numbers

Free DSCR and hard money calculators. No sign-up. Share any scenario by link.

Investing by state

Rents, home values, property taxes and landlord rules by state. Every figure sourced.

Frequently asked questions

Do I need tax returns?

No. DSCR, fix and flip and bridge loans qualify on the property and the deal, not personal income.

How fast do I receive terms?

Same business day, on every program. No hard credit pull to get your terms.

I live outside the U.S. Can I borrow?

Yes. Every program is open to investors living abroad.

Up to 70% LTV on a rental. No SSN or U.S. credit required.

Are you a lender or a broker?

We're a loan arranger, not a single lender. Your deal goes to the direct lenders whose programs fit it.

One team runs insurance, title and closing through to funding.

All loan questions

Ready to price your deal?

Term sheet the same business day. No hard credit pull.

Get my term sheet