Luxury SFR Loans.
The Same Programs, Built for High-Value Assets.
Loans from $2M to $15M on 1–4 unit residential. Bridge, flip, and ground-up.
What Is a Luxury SFR Loan?
A luxury SFR loan is our bridge, fix & flip, and new construction programs built for high-value 1–4 unit residential, with loan amounts from $2M to $15M. At typical leverage that's roughly a $2.5M+ property.
It isn't a separate product. It's the same three programs with a leverage grid, borrower requirements, and draw process scaled to the loan size. Below $2M, the standard programs are the right fit.
What Are the Luxury SFR Loan Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | Luxury SFR |
|---|---|
| Loan amount | $2,000,000 – $15,000,000 |
| Property types | 1–4 unit residential |
| Bridge leverage | Up to 80% of as-is value (70–80% depending on experience) |
| Flip leverage | Up to 80% of cost. ARV leverage of 65–75% depending on loan size |
| Build leverage | Up to 80% of cost, and up to 70% of land value and ARV |
| Term | Bridge and light rehab: 12 months. Heavy rehab: up to 18 months. Ground-up: up to 24 months. All interest-only. Longer terms case-by-case |
| Credit | 700+. 660–699 case-by-case, with reduced leverage |
| Experience | Leverage scales with completed projects. Maximum leverage with 10+ projects, or 2+ projects totaling $10M+ in the last 5 years. Construction loans of $5M+ require this top tier |
| Net worth | At least 1.0× the loan amount |
| Liquidity | Covers 6 months of payments plus 10% of the rehab or build budget |
| Rehab and build draws | Reimbursement model. Funds are released after work is in place and paid for, verified by third-party inspection. Maximum one draw per month, typically 3–6 business days to fund |
| Time to close | Typically 2–4 weeks. As fast as one week with a complete file |
| Pricing | Quoted per deal |
Maximum figures shown are not available in combination on every transaction.
Which Programs Run Through Luxury SFR?
Bridge
Short-term financing underwritten to as-is value, with no rehab budget. See the Bridge program.
Fix & Flip
Purchase plus renovation on a property you plan to sell. See the Fix & Flip program.
New Construction
Ground-up builds on 1–4 unit properties. See the New Construction program.
What's Different at This Size
Higher minimums, a different leverage grid, net worth and liquidity requirements, and reimbursement draws instead of advance draws.
Luxury SFR Loan Questions We Actually Get Asked
We define it by loan size: $2M to $15M on 1–4 unit residential. At typical leverage that's roughly a $2.5M+ property. Smaller loans are better served by our standard bridge, fix & flip, and new construction programs.
No. It's our bridge, fix & flip, and new construction programs, built for high-value assets. The loan types are the same. The leverage grid, borrower requirements, and draw process are scaled to the loan size.
Bridge goes up to 80% of as-is value. Flips go up to 80% of cost, with ARV leverage of 65–75% depending on loan size. Builds go up to 80% of cost and up to 70% of land value and ARV. The top end requires top-tier experience.
Draws are reimbursement-based. Funds are released after the work is in place and paid for, verified by third-party inspection. There's a maximum of one draw per month, and funding typically takes 3–6 business days.
Yes. Net worth must be at least 1.0× the loan amount, and liquidity must cover 6 months of payments plus 10% of the rehab or build budget.
Leverage scales with completed projects. Maximum leverage goes to borrowers with 10+ completed projects, or 2+ projects totaling $10M+ in the last 5 years. Construction loans of $5M+ require that top tier. Less experience means reduced leverage.
700+. Scores of 660–699 are considered case-by-case and come with reduced leverage.
Bridge and light rehab: 12 months. Heavy rehab: up to 18 months. Ground-up: up to 24 months. All are interest-only, and longer terms are considered case-by-case.
Typically 2–4 weeks, and as fast as one week with a complete file. Appraisal and third-party reports drive the timeline.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
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We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.