REAL ESTATE INVESTOR FINANCING

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    Maximum Leverage

    Build With Maximum Leverage. Then Refinance Into DSCR.

    A two-step strategy: standalone ground-up construction financing at up to 95% LTC with 100% eligible construction financing, then a separate DSCR refinance after the property is completed and stabilized.

    Program Details

    Strategy
    Standalone construction → complete → stabilize → separate DSCR refinance
    Construction Leverage
    Up to 95% LTC
    Construction Financing
    Up to 100% of eligible construction budget
    Construction Term
    12–18 months, interest only
    Origination Point Options
    Zero origination point and deferred origination point options
    Prepayment Penalty
    None
    Permanent Phase
    Separate DSCR refinance after completion and stabilization

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Investors prioritizing maximum construction-phase leverage
    • Investors comfortable with two closings
    • Investors who want flexibility to choose the permanent lender after completion

    How the Strategy Works

    Step 1: Close standalone ground-up construction financing at up to 95% LTC. Step 2: Complete construction. Step 3: Stabilize the property. Step 4: Close a separate DSCR refinance to transition into permanent rental financing.

    Trade-off

    This path offers maximum construction-phase leverage but requires two closings: the construction loan and a later DSCR refinance.

    Who This Generally Fits

    Investors building new residential rentals who prioritize maximum construction-phase leverage and accept a separate DSCR refinance after completion. First-time builders welcome. Zoning, entitlements, GC, completed value, and projected rent are reviewed.

    Qualification Snapshot

    Builder Experience
    First-time builder options available
    General Contractor
    Experienced, licensed GC preferred
    Projected Rent
    Market-rent support & comparables required
    Permanent Exit
    Separate DSCR refinance after stabilization
    Market Risk
    Investor must qualify for permanent financing later
    Exit Strategy
    DSCR refinance (long-term rental hold)

    Published thresholds are pre-screening guidelines, not approvals. Final eligibility depends on the complete borrower profile, property, transaction, provider, and underwriting. Broader or alternative programs may be available for profiles outside these guidelines.

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

    Open Calculator

    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a maximum leverage build & hold deal?

    Submit once. We'll review the transaction and identify potential financing paths.