REAL ESTATE INVESTOR FINANCING

    Apply
    Cash-to-Close

    Cover an Eligible Cash-to-Close Shortfall.

    An unsecured loan to cover an eligible cash-to-close shortfall. The primary lender must approve the structure — an unsecured down-payment loan does not automatically satisfy a primary lender's required equity or source-of-funds rules.

    Program Details

    Amount
    Varies
    FICO
    620+
    Purpose
    Cover an eligible cash-to-close shortfall

    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

    • Eligible cash-to-close shortfalls where the primary lender permits the structure

    Primary-Lender Approval Required

    An unsecured down-payment loan does not automatically satisfy a primary lender's required equity or source-of-funds rules. The primary lender must approve the structure before the borrower relies on it to close.

    Who This Generally Fits

    Borrowers with a 620+ FICO and an eligible cash-to-close shortfall, where the primary lender approves the source of funds. Does not automatically satisfy primary-lender equity or source-of-funds rules.

    Qualification Snapshot

    FICO
    620+
    Purpose
    Cover an eligible cash-to-close shortfall
    Primary Lender
    Approval of the structure is required

    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.

    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 unsecured down-payment loan deal?

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