What types of real estate loans do you offer?
We offer five core loan products: fix-and-flip loans, ground-up construction loans, DSCR/rental loans, bridge loans, and commercial real estate loans — built around the way real estate investors actually work.
Are you a direct lender, or a broker?
Both, and that's an advantage for you. Through our network of vetted private investors, plus in-house private capital and direct hard-money sources, we can fund your acquisition and rehab/construction costs in a single loan.
How fast can I get approved, and how long does closing take?
We move at the pace of your deal, not a fixed bank schedule. Turnaround depends on the loan type, the property, and how quickly documentation comes back to us — and our team is set up to keep that moving as fast as possible on your behalf.
What information do I need to submit to apply?
Getting started is simple. Our loan inquiry form asks for the loan type, property, amount, and timeline — that's it, no lengthy paperwork upfront. From there, our team reviews your scenario and matches you with the right-fit investor. Once we've analyzed your deal, we'll send you a needs list tailored to your specific loan.
Do I need to show income documentation to qualify for a DSCR loan?
No. DSCR loans qualify based on the property's own cash flow, not your personal income documentation, so financing is tied to the strength of the deal.
What is ARV-based underwriting, and how does it affect my fix-and-flip loan?
We underwrite fix-and-flip loans based on the property's after-repair value (ARV), not just its current, as-is value. That means both your acquisition and rehab budget can be financed in a single loan, giving you the capital to execute your full plan from day one.
Is rehab or construction funding released all at once, or in stages?
In stages, tied to your progress. Both fix-and-flip and ground-up construction loans use draw-schedule funding, released as work and milestones are completed, so your project stays properly capitalized every step of the way.
Do you work with experienced investors, or first-time borrowers too?
Our core focus is experienced real estate investors, since that's where we can move fastest and add the most value. That said, we're always happy to work with newcomers who bring a solid plan, and we'll help you put your strongest case forward.
What property types are eligible for commercial loans?
We finance a wide range of property types, including mixed-use buildings, retail strip centers, office, and industrial properties, in addition to residential and multi-family deals.
Are you a bank?
No, and that's by design. We're real estate people — investors, operators, and capital connectors who understand your deal because we've sat on your side of the table.
What happens after I submit the loan inquiry form?
Our team reviews your scenario, matches your deal type and profile with the right investor, and stays involved with you all the way through closing.
Who do I talk to about my specific loan scenario?
Book a loan consultation directly with Markus at calendly.com/markus-empowerinvesting, and he'll walk through your scenario one-on-one.