PurchaseBuy a CRE/Residential Investment Property
You found a deal and the seller won't wait. Close in 9-15 days, not months — no income verification, soft credit pull, direct lender.
9-15 days typical close
AIVAA™ — OUR AI VALUES YOUR PROPERTY IN MINUTES. NO $3,000 APPRAISAL, NO THREE-WEEK WAIT
2-minute application. Soft credit pull. No fee.
Broker Program
Refer CRE deals. Register in ~5 min.
No jargon. Start with what you’re trying to do, and we’ll show you the loan that fits — the terms, the timeline, and what we need from you to get to yes.
PurchaseYou found a deal and the seller won't wait. Close in 9-15 days, not months — no income verification, soft credit pull, direct lender.
9-15 days typical close
Fix & FlipOne loan covers the purchase and the rehab budget. Close fast, keep your capital free, and move to the next deal.
Funded in 24-48 hrs
DSCR RefinanceRate-and-term or cash-out on a rental you own — qualified on the rent, not your tax return. Built for self-employed and 1099 investors.
Qualified on rent, not tax returns
F.L.E.X. 50™Asset-based purchase and rehab — qualified on the property, not your paperwork. Light docs so you close when the deal won’t wait.
Up to 50% LTV · Funded in 24-48 hrs
ConstructionFor empty land, a tear-down, or a build you plan to sell. We pay for the land and the build in steps as you finish each part.
Milestone draws · own capital · hold loan day one
Small Balance CommercialCommercial debt for income-producing property — structured to close on your timeline, not the bank’s.
$75K-$100M · up to 80% LTV · from 11%
BusinessWorking capital, equipment, or growth capital. No property required — a 2-minute application and a decision in 4 hours.
Up to $10M · decision in 4 hrs
The address, roughly how much you need, and what you plan to do with it. No documents yet.
Our AI reads 12 data sources for what it's worth, what it rents for, and what could go wrong. No $3,000 appraiser, no three-week wait.
A human underwriter checks the AI's work and signs off. Rate, fees, structure — a number you can act on.
Depending on the program. Sign digitally, close, and watch every step in your dashboard.
No jargon. Start with what you’re trying to do, and we’ll show you the loan that fits — the terms, the timeline, and what we need from you to get to yes.
PurchaseYou found a deal and the seller won't wait. Close in 9-15 days, not months — no income verification, soft credit pull, direct lender.
9-15 days typical close
Fix & FlipOne loan covers the purchase and the rehab budget. Close fast, keep your capital free, and move to the next deal.
Funded in 24-48 hrs
DSCR RefinanceRate-and-term or cash-out on a rental you own — qualified on the rent, not your tax return. Built for self-employed and 1099 investors.
Qualified on rent, not tax returns
F.L.E.X. 50™Asset-based purchase and rehab — qualified on the property, not your paperwork. Light docs so you close when the deal won’t wait.
Up to 50% LTV · Funded in 24-48 hrs
ConstructionFor empty land, a tear-down, or a build you plan to sell. We pay for the land and the build in steps as you finish each part.
Milestone draws · own capital · hold loan day one
Small Balance CommercialCommercial debt for income-producing property — structured to close on your timeline, not the bank’s.
$75K-$100M · up to 80% LTV · from 11%
BusinessWorking capital, equipment, or growth capital. No property required — a 2-minute application and a decision in 4 hours.
Up to $10M · decision in 4 hrs
Carry, rate exposure, and a seller who does not have to wait for you. That is the gap the two bars measure.
CR Equity AI
A bank or a brokered hard-money desk
| CR Equity AIDirect lender | A bank or a brokered hard-money deskCommittee path | |
|---|---|---|
| Who decides | We do. We lend our own capital. | A committee, and often a broker taking points |
| Cost to get a quote | Nothing | Application and appraisal fees up front |
| Credit impact to get terms | Soft pull only | Hard pull |
| Knowing the jargon | Not needed. Describe the deal, we name the loan. | You are expected to already know |
| Knowing where your deal stands | A live dashboard, any time | Email your loan officer and wait |
2-minute application. Soft credit pull, no appraisal fee, and a real number back in about 4 hours.
Where we lend
Property loans across 46 states plus DC & Puerto Rico, and business loans in Canada too. Tap a state to check.
Recently funded
Explore recently funded transactions and see the property types, loan structures, locations, and timelines behind successful closings.

A first-time ITIN investor bought a 4-bedroom rowhome in Lebanon, PA with a DSCR purchase loan from CR Equity AI. It was approved the next day and funded in 8 c…

CR Equity AI funded a $550,000 DSCR cash-out refinance on a Seattle single-family rental in 12 days, closing within 48 hours of the full appraisal coming back.

CR Equity AI closed multifamily financing for an apartment property in Southern California, one of the nation's most supply-constrained rental markets, using di…
Success stories
Insights

Most lenders find out whether a deal works 72 hours before closing. Robert Stewart built CR Equity AI to move that moment to day one. Here are the lessons for leaders adopting AI.

A first-time ITIN investor bought a 4-bedroom rowhome in Lebanon, PA with a DSCR purchase loan from CR Equity AI. It was approved the next day and funded in 8 calendar days, qualified on rental income instead of tax returns.

Foreclosure filings are rising again in 2026. Here is how rental investors facing a bridge or hard-money maturity can use a DSCR refinance as an off-ramp, and when to start.
STILL NOT SURE?
Tell us what you're trying to do — in your own words — and a CR Equity AI specialist will work out which loan fits. No jargon required, typically within 1 hour.
