REAL ESTATE INVESTOR FINANCING

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    Express Execution

    Break Ground Fast.

    An express ground-up construction structure for time-sensitive projects. No appraisal, express closing options as fast as approximately 48 hours, and approximately 48-hour draws. Best for speed, larger loan size, and longer construction-term flexibility.

    Program Details

    Maximum Leverage
    Up to 90% LTC
    Construction Financing
    100% of eligible construction costs where program allows
    Completed Value / ARV
    Up to 75% completed-value / ARV benchmark
    Loan Amount
    Approximately $75,000 to $5 million+
    Loan Term
    9–24 months
    Extension Options
    Available
    Credit Profile
    Approximately 680 minimum
    Valuation / Appraisal
    No traditional appraisal required on the express program
    Closing Timeline
    Express options as fast as approximately 48 hours on prepared qualifying transactions
    Draw Timeline
    Approximately 48-hour draw process
    Property Types
    1–10 unit options
    Origination Point Options
    Zero origination point options
    Prepayment Penalty
    None
    First-Time Builder Eligibility
    First-time builder product available

    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

    • Time-sensitive projects
    • Investors prioritizing breaking ground fast
    • Deals where appraisal timing could delay the project
    • Larger loan sizes and longer construction-term flexibility

    Why Express Over Maximum Leverage

    The main reason to choose Express over Maximum Leverage is speed. Express offers no appraisal and express closing options as fast as approximately 48 hours, at a slightly lower LTC ceiling. It also extends to larger loan sizes and a longer construction term with extension options.

    How the No-Appraisal Process Works

    Without a traditional full appraisal, value is established through the express program's valuation process, which may use property data, automated valuation, and transaction details. The transaction must still satisfy valuation, property, data, provider, and underwriting requirements.

    How Draws Are Requested

    Draws are requested as eligible construction work is completed. The express program uses an approximately 48-hour draw process once complete draw materials are received. Draw frequency and any draw fees depend on the final transaction documents.

    Who This Generally Fits

    Investors and builders who need speed, larger loan size, or longer construction-term flexibility. First-time builder product available. ~680 FICO starting point; no-appraisal express structure.

    Qualification Snapshot

    Starting Credit
    Approximately 680 minimum
    Builder Experience
    First-time builder product available
    Valuation
    No-appraisal express process
    Completed Value
    Up to 75% completed value / ARV
    Liquidity
    Required for non-financed costs & contingency
    Exit Strategy
    Sale or DSCR / permanent refinance

    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.

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    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 express construction deal?

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