Rates & terms · v1.1
Investment property loan rates and terms
Current DSCR loan rates, bridge loan rates, hard money loan rates, and private money floors — the same national book in every state we lend. Soft credit pull only — no hit to your score to get terms Business-purpose lending in 48 states. Loan range $75K-$100M.
As of . Final pricing is on your executed term sheet.
- Coverage
- 48 states
- Loan range
- $75K-$100M
- To terms
- 5 minutes
- Fastest fund
- 24-48 hours
Direct lender. We lend our own capital.
DSCR, bridge, and hard money loan rates
Published investment property loan rates by program — DSCR, commercial bridge, F.L.E.X. 50™, construction, and BTFU. Same schedule nationally. Soft credit pull to price your deal. Minimum stated rates and fees. Loan-level pricing adjustments and any state-required disclosures are documented in your executed term sheet and definitive loan documents.
| Program | Rate | Origination | Exit fee | Servicing | Valuation | Funding |
|---|---|---|---|---|---|---|
| DSCR | 7.00%Floor — final rate on term sheet | 1.50% | 0.50% | 0.25% | Appraisal (AMC-direct) | 9-15 days |
| Bridge | 10.99%Floor — final rate on term sheet | 1.50% | 0.50% | 0.25% | AIVAA™ $999 | 24-48 hours |
| F.L.E.X. 50™ | 15.00%Flat published rate | 5.00% | 0.50% | 0.25% | AIVAA™ $999 | 24-48 hours |
| Ground-Up Construction | 10.99%Floor — final rate on term sheet | 1.50% | 0.50% | 0.50% | AIVAA™ $999 | 24-48 hours |
| BTFU™ | 10.99%Floor — final rate on term sheet | 1.50% | 0.50% | 0.25% | AIVAA™ $999 | 9-15 days |
Portal and closing fees
From the Pricing Policy (v1.1). Same amounts on every program unless noted.
Application
$599
Due at term-sheet execution
Background & lien search
$199
Due at term-sheet execution
AIVAA™ (non-DSCR)
$999
Not charged on DSCR — appraisal is AMC-direct
Technology fee
$999
Collected at funding
Purchase and fix and flip loan rates
Fix and flip loan rates and purchase advance grids live on the program pages. Soft pull to see a priced term sheet — we do not publish a separate state rate for these products.
DSCR loan rates and hard money rate FAQs
What are current DSCR loan rates?
Current DSCR loan rates start at a published floor of 7.00%, with 1.50% origination and a 0.50% exit fee. Soft credit pull to see terms on your deal. Appraisal on DSCR is billed AMC-direct.
What are DSCR loan rates today?
DSCR loan rates today use the same national floor of 7.00% — CR Equity AI does not change the published book by state. Final pricing lands on your executed term sheet after a soft credit pull.
What are bridge loan rates and commercial bridge loan rates?
Published bridge loan rates start at 10.99%, with 1.50% origination at closing and a 0.50% exit fee. The same floor applies to commercial bridge loan rates on investment property. Funded in as little as 48 hours once title is clear on qualifying files.
What are hard money loan rates and private money loan rates?
Hard money loan rates and private money loan rates on our bridge and F.L.E.X. 50™ book publish as floors of 10.99% (bridge) and 15.00% (F.L.E.X. 50™ flat). Direct lender. We lend our own capital. Soft pull to price your file.
What are fix and flip loan rates?
Fix and flip loan rates are priced on the deal — purchase plus rehab, LTC, and experience — after a soft credit pull. We do not invent a separate published flip APR on this page; see the Fix & Flip program for advance-rate grids and get a term sheet for your project.
Are investment property loan rates different by state?
No. Published investment property loan rates and fees are national. Business-purpose lending in 48 states. Final pricing is on your executed term sheet.
Do I take a hard credit pull to see rates?
Soft credit pull only — no hit to your score to get terms. A hard pull happens later, only after you accept terms and move toward closing.
Where are full fee definitions?
Application, background and lien search, AIVAA, technology, origination, exit, and servicing are defined on the Pricing Policy. This page is the rate-and-terms summary; Pricing Policy is the fee authority.
Written by CR Equity AI Lending Team · Last updated · Direct lender. We lend our own capital.