No BS.
Just Loans That Close.
Flip it. BRRRR it. Rent it. Build it. We fund it.
Your Terms Don't Change at the Closing Table.
We lock it. We own it. If something shifts, we fix it. You close.
Loan Advisors, Not Account Execs.
We've closed the deals you're quoting. We're not reading a rate sheet — we've lived your deal.
We See What's Coming Before Underwriting Does.
10,000+ doors funded. We structure around what actually matters — not what looks good on a quote.
Why Investors Hate Ordering Appraisals
(And Why You Won't With Us)
Ordering an appraisal means commitment. You're dropping $500–$800 hoping you picked the right lender.
Most of the time? The terms shift. The appraisal comes in low. The underwriter finds a "new issue." You're stuck.
We built LenderX.ai to kill that problem.
We underwrite your deal before you commit a dime. The numbers you see on day one are the numbers you close on.
Here's the deal: we're fully transparent and direct — and we ask for the same. We fully stand behind the terms we offer, provided you fully stand behind the information you provide to formulate them.
Credit scores move. Values can swing in a third-party appraisal. Things happen. But no matter what, we will always notify you of any changes ASAP — not try to slip it by you at the closing table.
The LenderX.ai Commitment
We underwrite first. You pay for the appraisal only after you've seen real terms — not estimates, not "subject to," not "let me check with my manager." Real numbers.
Three Steps. No Surprises. No Jargon.
Send Us the Deal
Property address. Loan type. Purchase price. Rehab budget if you're renovating. That's it. 60 seconds.
We Underwrite It Like It's Ours
Because we've done these deals ourselves. We look at your numbers the way we'd look at our own — and we give you real terms, not bait.
Close. On Time. On Terms.
The term sheet you signed is the deal you close. No last-minute chaos. No "oh by the way" fees at the table. Period.
We Fund Investors, Not Acronyms.
It's a Fix & Flip loan, not an "RTL." It's a rental loan, not a "DSCR stabilized asset vehicle." We speak investor.
| Loan Type | The Short Version |
|---|---|
| Fix & Flip / BRRRR | Up to 90% of purchase, 100% of renovation. 7–14 day close. Interest-only, no prepayment penalty. |
| DSCR Rental | 30-year fixed available. Based on property cash flow, not your W-2. No seasoning. Up to 80% LTV on cash-out refis. |
| Bridge | 10–21 day close. Up to 80% LTV. 6–24 month terms. Pay off a maturing loan while you sell or refi. |
| New Construction | Up to 90% of project cost. Interest-only during build. Progress-based draws. Experience required. |
| Small Multifamily (5–10 units) | Up to 75% LTV. Short-term or long-term. Streamlined underwriting. |
Want real pricing? Don't Google it — send us the address. Every deal prices differently and we'll give it to you straight.
Get Real Pricing on Your DealWe've Sat Where You're Sitting.
We've flipped houses, built ground-up, and bought rentals. Through crashes, booms, and everything in between. We've also worked inside the corporate lending machine — the jargon, the committees, the "we'll get back to you" that never comes.
We built LenderX.ai to be the lender we always wanted: straight answers, real humans, funded deals.
Response
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
Send Us the Deal
Real terms before you commit a dime.
What type of loan are you looking for?
Where should we send your terms?
We've Got Your Deal.
A loan advisor (not an account exec) will review your deal and get back to you — typically same day.
No appraisal until you've seen real terms. That's the deal.
Questions We Actually Get Asked
(Not the Ones We Made Up)
Fix & flip: 7–14 days for clean deals. Bridge: 10–21. DSCR rental: 2–3 weeks. We don't quote timelines we can't hit. If a deal has hair on it, we'll tell you upfront — not three weeks in.
We've done the deals ourselves. We handle underwriting, appraisal review, and closing coordination in-house. One point of contact, start to finish. No hand-offs. No committees. No "let me escalate this."
No. Optimal programs start at 660+, but we have options for 600+. Experience and deal quality matter more than a credit score. We look at the whole picture.
We stand behind the terms we offer — provided you stand behind the information you give us. Credit scores move. Appraisals can swing. If something changes, we'll tell you immediately — we don't slip things by you at the table. That's not how we operate.
The property address, your plan, and the numbers. We'll take it from there. No 47-page application. No blood type.
No. We're a direct lender. We control the loan from quote to close. Your deal doesn't get "shopped around" to see who bites. We underwrite it, we fund it, we own it.