Investor lending, built by investors.
Built for one job: getting capital to the people who build, operate and invest in American real estate.
From the borrower's side of the table.
Our principals have personally closed hundreds of real estate investor loans - from first flips to nine-figure multifamily refinances.
We started Creative Lending USA after seeing the same problems on deal after deal.
Borrowers pushed into the wrong product. Loan officers who stopped answering. Surprises at the closing table.
So we rebuilt it. Loan, insurance and title through one team. Loan officers who answer the phone.
Term sheets that match the final HUD. The pricing you were quoted is the pricing you close.
Four commitments on every loan.
Transparent pricing
The number on the term sheet is the number at the wire. No surprise points or fees.
Speed
Same-day term sheets. Bridge and fix and flip in 7-14 days. DSCR in 30 days.
A dedicated loan officer
One person runs your deal from term sheet to closing. No call center.
Investors worldwide
Every program is open to foreign nationals. No SSN. No U.S. credit.
Sign at a U.S. consulate abroad.
One team from term sheet to closing.
A closing needs more than a loan. Insurance, title and escrow run through the same team: one contact instead of five.
Send the deal
Property, price, loan amount and experience.
Five minutes. No hard credit pull.
Same-day term sheet
Your deal goes to the direct lenders whose programs fit.
Terms back the same day.
Insurance and title
Landlord or builder's risk insurance, title and escrow.
Ordered while underwriting runs.
Close and fund
One loan officer from term sheet to closing.
Sign in person, remotely or at a U.S. consulate.
U.S. and foreign real estate investors.
First-time flippers. Landlords building a portfolio. Operators scaling into multifamily and new construction.
Foreign nationals buying U.S. rentals and flips, with no SSN or U.S. credit.
About working with us
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.
Why not go to one lender directly?
Each lender has its own guidelines. Your deal goes to the program that fits it, not the one product a single lender sells.
Which states do you cover?
Loans are arranged nationwide. Program availability varies by state and property type.
Your term sheet confirms it for your deal.
Do you work with foreign investors?
Yes. Every loan program is open to investors living abroad.
No SSN. No U.S. credit.
Do you arrange loans for a home I will live in?
No. Business-purpose loans for investment property only: rentals, flips, construction and commercial real estate.
Ready to price your deal?
Five minutes. No hard credit pull. Term sheet the same business day.
Get my term sheet