REAL ESTATE INVESTOR FINANCING

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    Real-Estate-Secured Solution

    Use Equity in a Separate Property to Fill a Larger Capital Gap.

    A real-estate-secured gap solution that takes an applicable second-position lien on a separate property already owned by the borrower — not the subject acquisition property. The available amount is determined by the equity remaining inside the 75% combined leverage ceiling after existing mortgage debt.

    Program Details

    Maximum Total Debt Supported
    75% × appraised as-is value of the separate collateral property
    Maximum Available Second-Position Capital
    75% of as-is value − all existing mortgage debt / applicable liens
    Minimum FICO
    650
    Collateral
    Separate qualifying property
    Valuation
    Appraisal required
    Lien Position
    Second position on the separate collateral property
    Subject Property
    Not used as collateral for the supplemental loan unless explicitly structured otherwise

    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

    • Larger capital gaps beyond unsecured capacity
    • Borrowers with a separate property and available equity
    • Transactions where a secured second-position structure is preferred

    How It Works

    This strategy uses a separate property already owned by the borrower as collateral. It does not use the subject acquisition property as the collateral for the supplemental loan unless explicitly structured otherwise. The gap lender takes an applicable second-position lien on the separate collateral property. The structure is similar conceptually to accessing equity from an existing property.

    How the Maximum Is Calculated

    The maximum total debt supported equals 75% of the appraised as-is value of the separate collateral property. The maximum available second-position capital equals 75% of the as-is value minus all existing mortgage debt and applicable liens. The appraisal establishes the current as-is value; existing debt is deducted from the 75% leverage ceiling; the remaining equity inside that limit determines the maximum theoretical amount available. This is a maximum calculation, not an automatic approval.

    Primary-Lender Compatibility

    As with all gap capital, the primary lender's source-of-funds and leverage rules still control. A secured gap structure does not automatically satisfy a senior lender's required equity, reserves, or seasoning. The borrower must confirm compatibility before relying on it.

    Who This Generally Fits

    Borrowers who own a separate qualifying property with available equity inside the 75% combined leverage ceiling, meeting the 650 minimum FICO requirement, where the gap is too large for unsecured profile-based tools.

    Qualification Snapshot

    Minimum FICO
    650
    Collateral
    Separate qualifying property
    Valuation
    Appraisal required
    Maximum Combined Leverage
    75% of the separate property's appraised as-is value after accounting for existing mortgage debt / applicable liens

    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.

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