If you're a real estate investor looking for fast, flexible funding — construction loans, DSCR loans, or Fix & Flip financing — there's one thing you need before you can even apply: a business entity.
No W-2 required. No personal income verification. But you do need a properly set-up LLC or business structure. Here's everything you need to know.
Why an LLC Is Required (And Why It Protects You)
Private money lenders — like Funded Funding — operate in the commercial lending space, not the traditional consumer mortgage space. That means loans are made to business entities, not individuals.
This matters for two big reasons:
- Legal protection: An LLC separates your personal assets from your investment properties. If a deal goes sideways, your personal finances stay protected.
- Lender compliance: Since these are business-purpose loans, lenders are not required to be NMLS licensed — but the borrower must be a business entity. This is how the deal gets done legally and efficiently.
Bottom line: No LLC = No loan. It's that simple.
Basic Requirements to Qualify
Here's a quick snapshot of what most private money investors need to get approved:
- Active LLC or Corporation (in good standing)
- EIN (Employer Identification Number) — free at IRS.gov, takes 5 minutes
- Business bank account in the LLC's name
- A qualifying deal (property address, purchase price, ARV or projected rental income)
- Experience helps — but first-time investors are welcome on many programs
No tax returns. No pay stubs. No debt-to-income ratios. The loan is based on the deal and the asset — not your personal finances alone.
The 3 Loan Types We Specialize In
1. Fix & Flip Loans
Got a distressed property with potential? Fix & Flip loans are short-term bridge loans designed for investors who buy, renovate, and resell. Funding is fast — often within days — and covers both the purchase and rehab costs.
- Loan terms: typically 6–18 months
- Based on: ARV (After Repair Value)
- Best for: investors flipping 1–4 unit residential properties
2. DSCR Loans (Debt Service Coverage Ratio)
Want to hold rental properties long-term without showing personal income? DSCR loans qualify you based on the property's rental income, not yours. If the rent covers the mortgage — you're in.
- Loan terms: 30-year fixed or ARM options available
- Based on: Rental income vs. monthly debt payment (DSCR ratio)
- Best for: landlords building a long-term rental portfolio
3. Construction Loans
Building from the ground up or doing a heavy rehab? Construction loans fund the project in draws as work is completed. Perfect for developers and builders who need capital staged throughout the project.
- Loan terms: typically 12–24 months
- Based on: ARV and project scope
- Best for: new construction or major gut rehabs
How to Get Started in 3 Simple Steps
- Form your LLC — Set one up in your state for under $200. Make sure it's active and in good standing. Get your EIN from IRS.gov (free, takes 5 minutes).
- Find your deal — Identify your property, run your numbers, and know your exit strategy before applying.
- Apply with Funded Funding — Submit your deal details and we'll match you with the right loan. Fast approvals, no red tape.
Frequently Asked Questions
Do I need good personal credit?
Credit requirements vary by loan type, but many programs are asset-based. A minimum score of 620–660 is common, but the deal quality matters most.
Can I use a brand new LLC?
Yes — in many cases. Some lenders require at least one prior transaction on record, but others work with brand new LLCs as long as the deal is solid. The property and the numbers matter more than how long your LLC has been open. That said, having your LLC properly set up with an EIN and a business bank account before you apply makes the process significantly smoother.
What if my LLC is in a different state than the property?
That's fine. Most private money lenders are flexible on this — you'll just need to register your LLC as a foreign entity in the state where the property is located, or work with a lender who operates across state lines. We can walk you through what's needed based on your specific deal.
How fast can I get funded?
Fix & Flip and Construction loans can close in as little as 7–14 business days once documentation is submitted. DSCR loans typically take 2–4 weeks. Speed depends on how quickly you provide property details and how clean your LLC paperwork is. The more prepared you are, the faster we move.
Ready to Get Funded?
If you have an LLC and a deal — or you're in the process of setting one up — we want to hear from you. Funded Funding works with real estate investors at all experience levels. Whether you're flipping your first property, scaling a rental portfolio with DSCR loans, or breaking ground on a new build, we'll match you with the right loan for your deal.
No personal income verification. No W-2s. No red tape.
Just your LLC, your deal, and a lender ready to move fast.
Ready to get funded?
If you have an LLC and a deal, apply here. Same intake form as the live site.