Fast, Flexible Financing for Real Estate Investors
Fix & flip loans, rental property financing, construction funding, and transactional capital — nationwide.
Lending Solutions for Every Strategy
Whether you’re flipping your first property or scaling a portfolio, we have financing that fits. No bank red tape – just fast and flexible capital for real estate investors.
FIX & FLIP
Fix & flip loans up to $5M with up to 90% of purchase price and 100% of rehab costs. Interest-only, no prepayment penalty, terms up to 18 months.
DSCR RENTALS
Long-term rental financing based on property cash flow, not your income. Rates from the mid-5s, 30-year fixed available, no tax returns required.
EMD & TRANSACTIONAL
Earnest money deposits and double close funding for wholesalers. Lock up deals and close transactions without tying up your own capital.
LOAN PRODUCTS
Financing for Every Strategy
From fix & flip to long-term rentals, we have the capital to fund your next deal.
SHORT-TERM
Fix & Flip Loans
Up to $5M for purchasing and renovating investment properties. 80-90% of purchase, 100% of rehab, rates from 9.75%. No prepayment penalty.
LONG-TERM
DSCR Rental Loans
Finance rentals based on property cash flow — no income verification. Up to 80% LTV, rates from mid-5s, 30-year fixed available.
NEW BUILD
Ground-Up Construction
New construction financing for experienced builders. Up to 85% LTC, rates from 10.25%. Requires 3+ completed projects.
TRANSACTIONAL
EMD & Double Close
Earnest money and transactional funding for wholesalers. Lock up deals and close fast — 24-hour to 7-day terms available.
Frequently Asked Questions
How fast can you close?
Most loans close in 10-14 days. EMD and transactional funding can be same-day or next-day.
What credit score do I need?
Minimum 680 FICO for construction loans. Fix & flip and DSCR loans are more flexible based on deal strength and experience.
Do you require income verification?
No. Our DSCR rental loans qualify on property cash flow, not personal income. No tax returns or W-2s required.
What states do you lend in?
We fund deals nationwide. Some restrictions apply for construction loans in second-home markets.
How does EMD funding work?
We provide earnest money during your due diligence period. Your contract must include mutual release language. Fees range from $1,000 to $25,000, depending on the EMD amount.
What experience do I need?
Fix & flip: 1+ completed project. Construction: 3+ completed ground-up builds. EMD/transactional: No minimum experience required.
FAQ
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Ready to Fund Your Deal?
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Shiloh Capital Holdings
Private lending for real estate investors. Fix & flip, DSCR rentals, construction, and transactional funding — nationwide. Fast closings, flexible terms, investor-focused service.