01
We lend our own capital
The decision is ours. No broker chain, no file shopped to a marketplace.
Purchase · Direct lender · Soft credit pull
Investment Property Acquisition Loans close in about 10 days
You found the deal and the seller isn't waiting on a bank. We underwrite the property, not your pay stubs — no income verification, no appraisal delay, no committee. Direct lender, our own capital, real terms in 5 minutes.
- ~10 days
- Typical close
- 5 min
- To real terms
- None
- Income verification required
Underwriting
What you can actually borrow on a purchase
Every CR Equity AI loan sits under the BTFU™ structure. What changes by loan type is the advance rate — and on a purchase, the top of the range needs no down payment at all.
95%
Max LTV
Purchase advances on Bridge are set by your track record and credit — not a flat 100%. The full 100% advance is reserved for qualified Fix & Flip.
- Bridge track — exiting by sale, not holding for rent
- Advance set by the experience-and-credit grid
- Single-family non-owner-occupied Bridge caps at 90%
Holding for rent routes to DSCR instead, which prices on the property's income — up to 80% LTV on single-family non-owner-occupied acquisition and 70% on commercial assets. For 100% LTV, see Fix & Flip: 3+ completed projects and a loan of $1,000,000 or less.
If you don't clear the full advance
Below the full advance, max LTV is a function of two things at once: projects you have closed, and your credit score. Find your row, then your column.
| Projects closed | 660–699credit | 700–719credit | 720+credit |
|---|---|---|---|
| First-time investor | 70% | 75% | 80% |
| 1–2 projects | 75% | 80% | 85% |
| 3–5 projects | 80% | 85% | 90% |
| 6–9 projects | 85% | 90% | 93% |
| 10+ projects | 85% | 90% | 95% |
Credit under 660
The grid needs a 660. Below that we price off the asset class instead — the building carries the risk your score won't.
- Multifamily
- 80%
- Retail
- 70%
- Single-family
- 90%
- Industrial
- 65%
- Storage
- 65%
- Mixed-use
- 65%
- Office
- 60%
- Hospitality
- 60%
- Land
- 55%
ITIN & foreign nationals
ITIN holders and foreign national investors with at least two completed projects in the U.S. and a FICO score of 650 or higher may qualify for the same LTV terms as U.S. borrowers. All other eligible ITIN holders and foreign national investors may qualify for up to 70% LTV. Final LTV is subject to underwriting.
- At least 2 completed U.S. projects · FICO 650+
- Same LTV terms
- Other eligible investors
- Up to 70% LTV
Why buy with CR Equity AI
Direct lender, our own capital, real terms in 5 minutes.
02
We underwrite the asset
The property and your track record set the number, which is what makes this work when you're self-employed and a bank can't read your returns.
03
No appraisal wait
AIVAA™ values the property in minutes instead of scheduling a $2,500-$5,000 appraiser three weeks out.
04
Soft credit pull to price it
You see a real number before anything touches your credit file.
Investment property acquisition from a direct lender
You found the deal and the seller isn't waiting on a bank. We underwrite the property, not your pay stubs — no income verification, no appraisal delay, no committee. Direct lender, our own capital, real terms in 5 minutes.
- Typical close
- ~10 days
- To real terms
- 5 minutes
- Income verification
- None required
- Max LTV
- Up to 95% on Bridge, set by projects completed and credit score. Single-family non-owner-occupied Bridge is flat 90%. Holding for rent (DSCR) reaches up to 80% LTV on single-family non-owner-occupied and 70% on commercial assets. 100% LTV is reserved for qualified Fix & Flip only.
- Term
- Up to 24 months of bridge, then up to 36 months of stabilization — no new application between the two.
- Collateral
- All commercial asset types except RV and trailer parks
- Minimum Loan
- $100,000
Who qualifies
Business-purpose acquisitions on commercial and non-owner-occupied residential property.
Eligible
- Investors buying a property they do not yet own
- Entity and LLC borrowers on business-purpose transactions
- ITIN and foreign national investors*
- Multifamily, mixed-use, retail, industrial, storage, hospitality, and single-family non-owner-occupied
- First-time investors — up to 80% LTV with a 720+ score
- Experienced sponsors — up to 95% LTV on the experience-and-credit grid
Not eligible
- RV parks and trailer parks
- Consumer-purpose or owner-occupied primary residence loans
- Loans under $100,000
- Deals without a credible exit or stabilization thesis
*ITIN and foreign national investor LTV is based on experience and may be reduced based on final underwriting.
When acquisition financing fits
The seller gave you 14 days
You found the deal and the seller isn't waiting on a bank.
Your 1031 clock is running
Close in about 10 days.
Portfolio purchase across multiple addresses
Buy investment and commercial property with a direct lender.
Auction or foreclosure takeout
No income verification, no appraisal delay, no committee.
Self-employed buyer a bank won't underwrite
We underwrite the property, not your pay stubs — no income verification.
Frequently Asked Questions
Straight answers on LTV, speed, and what we ask for.
No. We underwrite the property and your track record. There is no income verification and no hard credit pull to get your quote — a soft pull is used to place you on the LTV table.
Up to 95% on Bridge, set by your completed projects and credit score — 95% for a sponsor with ten or more projects and a 720+ score. Single-family non-owner-occupied Bridge is flat 90%. If you are holding the property for rent it routes to DSCR instead: up to 80% LTV on single-family non-owner-occupied acquisition and 70% on commercial assets. Below a 660 score on Bridge we price off the asset class — 80% on multifamily, 70% on retail, down to 55% on land. 100% LTV is available only on qualified Fix & Flip (3+ completed projects and a loan of $1,000,000 or less).
About 10 days on a typical purchase, and faster where title and valuation are clean. The application takes two minutes.
Nothing dramatic. Stabilization runs up to 36 months after the bridge, with no new application. The exit is part of the structure, not an afterthought — talk to us and we'll walk you through the terms for your deal.
Yes. Entity and LLC borrowers are eligible. All loans are business-purpose — we do not lend on an owner-occupied primary residence.
$100,000.
Yes. ITIN holders and foreign national investors are eligible. LTV is based on experience and may be reduced based on final underwriting. Additional documentation may be required.
If you are buying a rental to hold, including a short-term rental, DSCR underwriting sizes the loan on net operating income instead of your tax return. Get purchase terms on this page. To illustrate the ratio, use the DSCR calculator on https://crequity.ai/programs/dscr-refinance-loans.
The seller isn't waiting for your bank.
Two minutes to apply, soft pull only, real terms in 5 minutes.
- ~10 days
- Typical close
- 5 min
- To real terms
- None
- Income verification required