You bring the deal. We bring the loan.

Short and long-term loans structured by people who understand investor deals – not just rates. We help you structure deals that close — get started today.

By signing up, you indicate that you agree to the ClearFund Terms & Conditions.

From Deal to Close — Here’s How We Work

No generic quotes. Just a clear path to the right financing for your deal.

1

Tell us about your deal

Share the property, your plan, and where you are in the process

2

We map out your options

Structure, leverage, and exit strategy first, then we match you to the right program

3

Move forward with clarity

Clear terms, a defined timeline, and no surprises at close

Investor Loan Solutions

Built for rentals, flips, and ground-up projects.

Hard Money & Bridge Lending

Rehab

  • Up to 95% LTC

  • 1-10 Units

  • No Experience Required

  • Rural Properties Allowed

Fund the purchase and renovation in one loan, built for value-add projects.

Bridge

  • Up to 85% LTV

  • 1-10 Units

  • Interest Only

  • Close Quick

Fast, interest-only financing to move on acquisitions or stabilization periods.

New Build

  • Up to 90% LTC

  • 1-10 Units

  • Interest Reserve Options Available

  • No Experience Required

Financing structured around your draw schedule, from spec homes to build-to-rent.

DSCR & Rental Financing

DSCR Rental

  • Up to 85% LTV

  • 1-10 Units

  • No Seasoning Options Available

  • No Origination Options Available

Buy or refinance rentals, qualified on cash flow — not your tax returns.

DSCR STR

  • Up to 75% LTV

  • 1-4 Units

  • Rural Properties Allowed

  • Qualify with AirDNA Data

Qualify using projected rental income — even with no rental history yet.

Commercial DSCR

  • Up to 80% LTV

  • 5+ Units, Mixed-Use & Small Commercial
  • 30yr Amortization
  • Purchase, Refinance, or Cash Out

Financing for apartment buildings, mixed-use, and small commercial — qualify on property income, not tax returns.

Real deals. Real outcomes.

Real investors, real projects, real results — structured the way that worked for their deal.

They walked me through the numbers before we even talked about the loan. That alone told me this was different.”

— DSCR Rental, Columbus OH

Fast close, no surprises. Exactly what I needed for a deal with a tight timeline.”

— Bridge Loan, Cincinnati OH

I came in not knowing if DSCR or hard money made more sense. They helped me figure that out first.”

— New Investor, Dayton OH

Is Clearfund Right for You?

We work with investors who want a real strategy — not just a number. Here’s how to know if we’re a fit.

You’re a good fit if…

  • You have a deal — or you’re working toward one — and want a partner to help you structure it

  • You’re investing in non-owner-occupied property (rentals, flips, new builds — at any stage of your journey)

  • You’re open to guidance on structure, leverage, and strategy — not just chasing a rate
  • You’re ready to move when the numbers work

This may not be the right fit if…

  • You’re financing a primary residence (we focus exclusively on investment property)

  • You’re sending the same deal to a dozen lenders just to compare numbers

  • You’re not open to any input on structure or strategy — just want a number, no relationship

Not sure where you stand? Talk to an advisor — we’ll tell you honestly if we’re the right next step.

Resources & Tools

Whether you’re still learning the numbers or getting ready to move on your first deal, start here.

DSCR Calculator

— DSCR
Monthly PITIA composition
Total PITIA—

DSCR thresholds and pricing tiers vary by program — multifamily, commercial, and short-term rental (STR) programs may use different minimums. This calculator is for general guidance only and is not a commitment to lend.

Which Loan Fits Your Deal?

Situation

Best Fit

Stabilized rental, qualified on cash flow

DSCR Rental

Value-add, flip, or needs renovation

Rehab

Buying turnkey, need to close fast

Bridge

Building from scratch or spec

New Build

Short-term rental (Airbnb/VRBO)

DSCR STR

Stabilized 5+ units or mixed-use

Commercial DSCR

Investor Financing Readiness Checklist

Credit & Identity

  • Credit score of 620+ (660+ for STR and hard money programs)
  • No recent bankruptcies, foreclosures, or major derogatory marks
  • Government-issued ID ready
  • SSN or ITIN available

  • LLC formed in your investing state
  • EIN obtained from the IRS
  • Operating agreement in place
  • Business bank account open

  • Down payment funds available and sourced
  • 3–6 months reserves (PITIA) set aside
  • Source of funds clearly documentable
  • No large unexplained deposits in recent bank statements

  • Investment property identified — or actively under contract
  • Property is non-owner-occupied
  • Exit strategy defined (hold, flip, refinance)
  • Rent or ARV assumptions are realistic and supportable

  • 2–3 months personal bank statements
  • Entity documents (articles of organization, operating agreement, EIN letter)
  • Insurance quotes or existing policy in place
  • Current leases (for permanent financing deals)
  • Scope of work ready (for rehab or construction deals)

Don’t check every box yet? That’s okay — we work with investors at every stage. Talk to an advisor and we’ll help you figure out what to focus on first.

FAQ’s

Everything you need to understand your options, structure your deal, and move forward with confidence.

We help investors with DSCR rental loans, fix & flip/bridge loans, and ground-up construction financing.

Clearfund is for non-owner occupied investment properties only. These are business purpose loans that close within an LLC.

Baseline minimums vary by program. DSCR programs start at 550, while STR and hard money options are generally 660+. Stronger credit can improve pricing and leverage.

Timelines depend on the deal, but experienced investors with clean files can move quickly. Speed is driven by appraisal, title, insurance, and how well the deal is structured upfront.

Unclear scope of work, weak documentation, title issues, unrealistic ARV/rent assumptions, low credit, limited liquidity, or a mismatch between loan structure and exit strategy.

DSCR is usually best for stabilized rental properties. Hard money is usually better for value-add, flips, construction, or deals that need speed before long-term financing.

Yes! That’s the point. We help investors think through structure, leverage, timelines, and exit strategy before forcing a loan path.

Don’t let financing slow down your deal.

Whether you’re buying, refinancing, or building, we’ll help you structure it the right way from the start.