REAL ESTATE INVESTOR FINANCING
Combine Multiple Unsecured Term-Loan Approvals to Fill a Real-Estate Capital Gap.
Rather than relying on one lender, multiple unsecured term-loan approvals may be strategically sequenced across compatible institutions. The resulting capital can be used to solve eligible real-estate cash requirements without placing a lien on the subject property.
Program Details
- Funding Range
- Approximately $20,000–$120,000
- Term
- Approximately 3–5 years
- Structure
- Fixed-payment term loan
- Security
- Unsecured
- Property Lien
- None on the subject real estate
- Funding Speed
- Approximately 1–3 days on qualifying files
- Prepayment
- No early-payoff penalty on the current underlying product structure
- Equity Split
- None — the investor keeps full ownership
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
- Down payment the primary loan does not cover
- Closing costs and earnest money
- Initial rehab float before the first draw
- Holding costs and reserves
- Furniture or setup costs where applicable
- Business-purpose capital needs
How It Works
Unsecured term-loan stacking is created by strategically placing and stacking unsecured term loans across applicable institutions. Because the capital is generally not secured by the subject property, it can avoid second-lien complications with a primary hard-money or DSCR lender. Multiple loans are sometimes used to diversify across institutions and reach the target amount.
What It Is Not
This is not a second mortgage. Under the standard unsecured structure, no lien is placed on the investment property. It is also not a substitute for the primary lender's required liquidity, equity, reserves, or seasoning — the borrower must still comply with the primary lender's source-of-funds and leverage rules. Borrowed funds do not automatically count as required liquidity for every senior lender.
Primary Lender Compatibility
Not every senior lender will count borrowed funds as required liquidity, equity, reserves, or seasoning. The borrower remains responsible for confirming that gap capital is acceptable to the primary lender and complies with its source-of-funds and leverage requirements before relying on it to close.
Who This Generally Fits
Investors with verifiable income (typically $40K+/year), a preferred FICO of 680+, and credit that is not already severely maxed. Broader lender options may begin around 650 FICO.
Qualification Snapshot
- Preferred FICO
- 680+
- Broader Options
- May begin around 650 FICO
- Verifiable Income
- Yes — $40K+/year typical
- Credit Utilization
- Should not be severely maxed
- Collateral
- Not 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.
Learn How This Works
Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.
Read the GuideFrequently 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 CalculatorInvestment 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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