Jaken Finance Group loan program parameters

First-party rate and leverage ranges across our core investor loan programs — sourced from our own underwriting guidelines, not a fabricated market grid. Ranges reflect qualified files; your quoted terms depend on the property, sponsor strength, and exit.

Program parameters effective Q3 2026.

Download the investor & partner program brochure (PDF)

Program	Interest rate	Leverage	Value cap	Term	Close speed	Minimum credit score	Apply
Fix and Flip / Hard Money	8.99%–13.5%	Up to 100% LTC on qualified files	Up to 75% ARV	6–12 months	7–10 business days	None	Apply Now
Bridge Loans	8.99%–13.5%	Up to 90% purchase	Varies by exit	12–24 months	7–10 business days	None	Apply Now
DSCR Rental Loans	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	N/A — income-based	30-year fixed or ARM	14 business days	None	Apply Now
Investment Property HELOC	Quoted per file	Up to 80% CLTV (1st lien); up to 70% CLTV (2nd lien)	N/A — equity-based	Revolving draw period + repayment	As few as 5 business days after notary	680	Apply Now
Second Position DSCR Cash-Out	Quoted per file	Up to 80% combined LTV	N/A — income-based	30-year fixed or ARM	14 business days	640	Apply Now
New Construction	8.99%–13.5%	Up to 100% LTC on qualified files	Based on as-completed value	12–18 months	10–14 business days	None	Apply Now
Equipment Loans	6%–14%	80%–100% of equipment value	N/A	2–7 years	5–10 business days	600	Apply Now (opens in new tab)

Rates are interest-only unless noted; DSCR is amortizing. Equipment loans are a distinct business-financing product, not real estate hard money. Parameters are reviewed quarterly. See loan eligibility & requirements for who qualifies.

All programs by loan type

Specific guides and intake forms for every major product we offer — jump to a category or scroll the full list.

Fix & flip, hard money & bridge

Short-term, asset-based capital for acquisition and rehab — interest-only carry sized to LTC and ARV, not W-2 income.

Program	Rate	Leverage / size	Term	Close	Min FICO	Best for	Apply
Fix and Flip / Hard Money	8.99%–13.5%	Up to 100% LTC on qualified files	6–12 months	7–10 business days	None	Value-add rehabs with a resale or BRRRR exit	Apply
Luxury fix & flip & jumbo hard money	8.99%–13.5%	Up to 100% LTC on qualified files up to $2.5M	12–18 months	7–14 business days	None	High-end rehabs and jumbo files up to $2.5M all-in	Apply
Bridge Loans	8.99%–13.5%	Up to 90% purchase	12–24 months	7–10 business days	None	Timing gaps before sale, refi, or permanent takeout	Apply
1031 exchange bridge loans	8.99%–13.5%	Up to 90% purchase	12–24 months	7–10 business days	None	Replacement property before sale proceeds land	Apply
Hard money maturity / balloon rescue	8.99%–13.5%	Up to 90% purchase	12–24 months	7–10 business days	None	Pay off or extend another lender’s short-term balloon	Apply
Second Look — deal rescue	Quoted per file	Asset-based — terms matched to rescue scenario	6–24 months typical	7–14 business days on qualified rescues	None on select programs	Hard money declined, lender backed out, or DSCR denied pre-close	Apply
Self-directed IRA & land trust hard money	8.99%–13.5%	Up to 100% LTC on qualified files	6–12 months	7–10 business days	None	Entity-vested buys through IRA or land trust structures	Apply
Foreign national fix & flip	8.99%–13.5%	Up to 100% LTC on qualified files	6–12 months	7–10 business days	None	Non-U.S. sponsors on business-purpose flips	Apply
Rural fix & flip & hard money	8.99%–13.5%	Up to 100% LTC on qualified files	6–12 months	7–10 business days	None	Acreage and small-town assets with documented comps	Apply
Manufactured / mobile home fix & flip	8.99%–13.5%	Up to 100% LTC on qualified files	6–12 months	7–10 business days	None	Chattel or real-property MH value-add exits	Apply
Transactional & EMD funding	Quoted per file	Short-term — covers earnest money or wholesale timing	Days to weeks	As fast as 1–3 business days on clean files	None on select programs	Wholesalers and double closes needing deposit capital	Apply

DSCR rental loans

Long-term hold and refinance — qualify on property cash flow (rent ÷ PITIA), not personal DTI.

Program	Rate	Leverage / size	Term	Close	Min FICO	Best for	Apply
DSCR rental loans (1–4 units)	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Stabilized buy-and-hold and rate-and-term refi in an LLC	Apply
No-seasoning DSCR cash-out / BRRRR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Pull equity after rehab without long seasoning waits	Apply
Short-term rental (Airbnb) DSCR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	STR income on qualified markets and property types	Apply
Blanket & portfolio DSCR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Multiple rentals in one refi or blanket lien structure	Apply
40-year, interest-only & ARM DSCR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Cash-flow tuning with longer amortization or IO periods	Apply
Multifamily DSCR (5–10 units)	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Small apartment buildings qualified on rent roll	Apply
Multifamily DSCR (10+ units)	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Larger multifamily with institutional-style DSCR underwriting	Apply
Foreign national & ITIN DSCR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Non-U.S. sponsors on income-producing U.S. rentals	Apply
First-time investor DSCR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	First rental purchase with strong deal economics	Apply
Condotel, mixed-use, BTR & manufactured home DSCR	5.75%–10.5%	Up to 85% LTV purchase, 80% LTV cash-out, and 85% LTV rate-and-term in select markets for qualified borrowers	30-year fixed or ARM	14 business days	None	Specialty residential income assets — quoted per file	Apply

Second position, HELOC & gap equity

Keep a low first mortgage or fill an equity gap — revolving lines, second-lien DSCR, gap funding, and paired personal capital.

Program	Rate	Leverage / size	Term	Close	Min FICO	Best for	Apply
Investment property HELOC	Quoted per file	Up to 80% CLTV (1st lien); up to 70% CLTV (2nd lien); max 1st $400K	Revolving draw period + repayment	As few as 5 business days after notary	680	Revolving equity on rentals — 1st lien up to $400K or score-tiered 2nd	Apply
Second Position DSCR Cash-Out	Quoted per file	$125K–$1000K; Up to 80% combined LTV	30-year fixed or ARM	14 business days	640	Cash-out behind an existing first — combined DSCR > 1.0	Apply
Gap funding (2nd on flip / value-add)	8.99%–13.5%	Quoted per file — subordinate to existing first	6–18 months typical	7–10 business days	None	Down payment, closing cost, or rehab shortfall on value-add	Apply
Real estate down payment funding	Approx. 6%–18%	$50K–$500K unsecured	3, 5, or 7 years	3–10 business days	Documented — program-specific	Personal business-purpose capital for investor equity gaps	Apply
JV equity partnerships	Quoted per file	Up to 100% of equity check — $250K–$2M typical	Partnership term per deal	Quoted per file	Sponsor & deal specific	Commercial sponsors pairing institutional JV equity with bridge or DSCR debt	Apply
Cash-flow equity financing	Quoted per file	$200K–$3M against trailing portfolio cash flow	Monthly — quoted per file	~7 business days after diligence	Entity & portfolio specific	Liquidity from stabilized portfolios without new property liens	Apply

Ground-up construction & land development

Spec, build-to-rent, and horizontal development — milestone draws on inspected phases.

Program	Rate	Leverage / size	Term	Close	Min FICO	Best for	Apply
Ground-up new construction & spec	8.99%–13.5%	Up to 100% LTC on qualified files	12–18 months	10–14 business days	None	Vertical construction with as-completed value exit	Apply
Luxury & jumbo new construction	8.99%–13.5%	Up to 100% LTC on qualified files up to $2.5M	12–18 months	7–14 business days	None	Spec and jumbo builds up to $2.5M all-in at 100% LTC when qualified	Apply
Build-to-rent & 2–4 unit construction	8.99%–13.5%	Up to 100% LTC on qualified files	12–18 months	10–14 business days	None	Duplex through fourplex and infill BTR vertical	Apply
Multifamily & condo construction	8.99%–13.5%	Up to 100% LTC on qualified files	12–18 months	10–14 business days	None	Apartment and condo vertical with phased draws	Apply
Acquisition & development (A&D)	8.99%–13.5%	Up to 100% LTC on qualified files	12–18 months	10–14 business days	None	Land, platting, horizontal, and phased vertical release	Apply
Mid-construction refinance	8.99%–13.5%	Up to 90% purchase	12–24 months	7–10 business days	None	Replace or extend construction debt mid-build	Apply

Commercial & specialty asset classes

Income-producing CRE nationwide — bridge and DSCR on hospitality, outdoor hospitality, multifamily, and special-use assets.

Program	Rate	Leverage / size	Term	Close	Min FICO	Best for	Apply
Multifamily bridge (5+ units) & mixed-use	8.99%–13.5%	65%–75% LTV typical — value-add LTC on business plan	12–24 months	14–30 business days typical	None	Apartment and mixed-use acquisition or value-add bridge	Apply
Retail, industrial, office & medical CRE	8.99%–13.5%	60%–75% LTV by asset tier	12–24 months	14–30 business days typical	None	Strip, warehouse, office, and medical — purchase or value-add	Apply
Hotel / motel & self-storage	8.99%–13.5%	60%–75% LTV — PIP and lease-up plans	12–24 months	14–30 business days typical	None	Hospitality and storage acquisition, rehab, or bridge	Apply
Mobile home parks & RV parks / campgrounds	8.99%–13.5%	65%–80% LTV on qualified outdoor hospitality	12–24 months	14–30 business days typical	None	MHP and RV park bridge with lot-rent or PIP thesis	Apply
Special-use CRE	8.99%–13.5%	55%–70% LTV typical	12–24 months	Quoted per file	None	Assisted living, car wash / gas, church, cannabis RE (where licensed)	Apply
Owner-occupied commercial bridge	8.99%–13.5%	Bridge to SBA or conventional takeout	12–24 months	14–30 business days typical	680+ typical for SBA takeout path	Operating business occupying 51%+ of the building	Apply
C-PACE clean energy financing	Quoted per file	Assessment financing on eligible commercial upgrades	Up to 20–30 years (program-specific)	Quoted per file	Project & sponsor specific	Energy, water, and resiliency CapEx on commercial property	Apply

SBA, working capital, unsecured & equipment

Business-purpose capital beside property loans — SBA match and bridge, secured working capital, unsecured term products, and equipment.

Program	Rate	Leverage / size	Term	Close	Min FICO	Best for	Apply
SBA 7(a) & 504 (match + bridge)	Prime + 3.0%–6.5% (≈9.75%–13.25%); Long-term fixed via CDC debenture	$5 million; SBA portion up to $5.5M (projects to ~$30M)	Up to 25 yrs (real estate) / 10 yrs (other); Up to 25 yrs (real estate)	45–90+ days typical SBA; bridge available for time-sensitive close	680+ typical on 7(a); overlays vary	Owner-occupied CRE, acquisition, and working capital with SBA exit	Apply
Short-Term Working Capital	Quoted per file	$250K–$15M; Up to ~10% of TTM revenue or ~1× TTM EBITDA (quoted per file)	1–12 months	3–10 business days on a complete file	Documented — program-specific	Operating company AR, inventory, PO, and acquisition bridge	Apply
Unsecured Term Loans	Approx. 6%–18%	$50K–$500K; Unsecured — no collateral	3, 5, or 7 years	3–10 business days	Documented — program-specific	MCA payoff, buyouts, restaurants, and CRE equity beside property debt	Apply
0% Interest Business Financing	Introductory 0% for 6–18 months; then approx. 5.99%–14.99%	$50K–$500K+; Unsecured — no collateral	Introductory 0% for 6–18 months, then quoted per file	Quoted per file	Documented — program-specific	Intro 0% business lines — not for the life of the loan	Apply (opens in new tab)
Equipment Loans	6%–14%	80%–100% of equipment value	2–7 years	5–10 business days	600	Business equipment — distinct from real estate hard money	Apply (opens in new tab)

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“We have completed several transactions with Jaken Finance Group, and can't recommend them enough. Responsive, diligent, and a true expert in the field. I will continue to work and recommend their team for their efficient processes and creative solutions.”

— The Nest Vacations

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Decision-stage guides with disclosed methodology — not fabricated rate grids.