Arbor Realty alternative · Direct lender
Arbor Realty vs CR Equity AI From our landscape dataset
Direct lender. We lend our own capital. This comparison uses the same dataset as our competitive-intelligence report — not a reprint of Arbor Realty’s rate sheet.
- Fastest fund
- 24-48 hours
- To see terms
- 5 minutes
- Credit to see terms
- Soft pull
- 100% LTC
- 3 projects · ≤$1M
Compare
Arbor Realty vs. CR Equity AI
Both columns come from CR Equity AI’s competitive-intelligence dataset (REIT · Agency Lender). We do not paste Arbor Realty’s website. Qualifying Fix & Flip overlays — including up to 100% LTC — are below the table, not inside the landscape matrix.
Arbor Realty: REIT · Agency Lender. Category: Institutional Agency. Scale in our dataset: $30B+ AUM.
| Arbor Realty | CR Equity AI | |
|---|---|---|
| Origination Speed | 30–60 days (agency) | Under 20 days. Same-day decision. $28.5M bridge closed in 17 days. |
| AI / ML Underwriting | Traditional. Limited — traditional agency process | Native AI. Proprietary UW engine, fully automated decisioning |
| Credit Model | Agency guidelines. Fannie, Freddie, FHA guidelines | Proprietary AI. Asset-based + cash flow hybrid, real-time risk scoring |
| LTV Range | Up to 80% (agency) | 55–70%. Disciplined across all products |
| Borrower Profile | Multifamily ops. Multifamily operators, institutional | SMB + RE direct. Small business, real estate investors, underserved — direct-to-client |
| Bridge / Fix & Flip | Bridge CRE only. Only commercial bridge | Core · $100K–$5M+. Core product, $100K to $5M+ |
| DSCR / Long-Term | Core product | Takeout to $5M+. DSCR takeout up to $5M+ |
| Capital Control | REIT / public. REIT structure, public markets | Building. Moving to internal capital via forward flow — the variable being solved now |
CR Equity AI publishes this page. Competitor figures come from our competitive-intelligence dataset — not a paste of another lender’s rate sheet.
100% LTC
The conditions for 100% LTC
Qualifying Fix & Flip loans can reach up to 100% LTC if you have at least three completed projects and the loan amount is $1,000,000 or less. Always “up to”—actual leverage depends on the deal and applicable program guidelines. Credit score does not determine eligibility for the 100% LTC option.
First-time investors do not qualify for 100% LTC. On the published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV.
See the full Fix & Flip program for published leverage grids, fees, and property eligibility.
Soft credit pull only—no impact to your credit score when getting terms.
Borrower type
ITIN and foreign national? Here’s what applies.
ITIN and foreign-national status describes the borrower, not the loan type. For investment property, the published program is DSCR. Second-home financing requires full documentation.
These programs are separate from the 100% LTC Fix & Flip option described on this page.
Questions
Arbor Realty questions
Direct answers. More comparisons are on the compare hub.
If you want a direct lender with published Fix & Flip conditions, yes. Direct lender. We lend our own capital. The Arbor Realty figures on this page come from our competitive-intelligence dataset, not their rate sheet.
No. First-time investors do not qualify for 100% LTC. On the published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV. The 100% box is three closed projects and a loan of $1,000,000 or less.
Soft credit pull only — no hit to your score to get terms
No. CR Equity AI publishes this page. Competitor figures come from our competitive-intelligence dataset — not a paste of another lender’s rate sheet.
ITIN and foreign-national status describes the borrower, not the loan type. For investment property, the published program is DSCR. Second-home financing requires full documentation. Those programs are separate from the 100% LTC Fix & Flip option.
Bridge-schedule floors: rate from 10.99%, 1.50% lender fee, $999 AIVAA™ fee, $595 application fee. The executed term sheet is controlling. See the published pricing policy.
Next step
See terms on your deal
Real terms in 5 minutes. Soft credit pull only — no hit to your score to get terms. Direct lender. We lend our own capital.
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