Loan Programs
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
Tidal Loans is a direct lender built for real estate investors, and that means one relationship covers every stage of your business — the first flip, the buy-and-hold rental, the refinance that recycles your capital, the ground-up build, and the step up into apartments. Every program below is underwritten on the asset — the property’s value, its after-repair value, or its rental income — rather than your personal income, so there are no tax returns, no minimum credit score, and no cap on how many properties you finance. We’ve funded investors this way since 2016. Pick the program that matches what you’re trying to do.
Short-Term & Acquisition Financing
Hard Money Loans — Short-term, asset-based financing secured by the property. The umbrella product for fast acquisitions and rehab-heavy deals, up to 90% of purchase and 100% of rehab for experienced borrowers.
Fix and Flip Loans — Funds both the purchase and the renovation of a property you’ll renovate and sell, sized against the after-repair value with rehab released by draw.
Bridge Loans — Short-term financing that spans a timing gap: buy before you sell, or close fast on a deal that isn’t yet ready for permanent financing. Underwritten on your exit.
Transactional Funding — Very short-term capital that funds the A-to-B leg of a wholesaler’s double close, repaid almost immediately when the B-to-C sale funds.
Long-Term & Rental Financing
DSCR Loans — Long-term rental financing qualified on the property’s rent rather than your income, with 30-year fixed, ARM, and interest-only options and no limit on the number of properties.
Rental Loans — Buy-and-hold financing for single-family and small residential rentals, built around the property’s cash flow.
Airbnb & Short-Term Rental Loans — DSCR financing for vacation rentals, qualified on projected or actual nightly income rather than a long-term lease.
Cash-Out Refinance — Pulls equity out of a property you own — up to 75% of value, with no seasoning required after a renovation — to fund your next deal. The refinance step in the BRRRR strategy.
Building & Larger Assets
Ground-Up Construction Loans — Financing to build from the dirt up, disbursed in stages through a draw schedule, up to 90% of cost and within 75% of the finished value.
Multifamily Loans — Financing for 5+ unit apartment and mixed-use buildings, underwritten on the building’s net operating income — stabilized DSCR holds and value-add bridge deals.
Financing Built Around Who You Are
Beyond the products, we structure financing around your situation. Whether you’re a first-time investor, a real estate wholesaler, a property developer, a self-employed borrower tired of tax-return underwriting, or a foreign national buying US property, there’s a path here. See the full picture on our loans for real estate investors overview, or explore our commercial real estate loans.
Programs at a Glance
Programs at a Glance
Frequently Asked Questions
It depends on your strategy: fix and flip to renovate and sell, DSCR or rental to buy and hold, bridge for a timing gap, construction to build, multifamily for apartments, and cash-out refinance to pull equity for the next deal. Tell us the property and your plan and we’ll point you to the right fit.
Yes. Every program is underwritten on the property — its value, after-repair value, or rental income — not your personal income, so there are no tax returns, W-2s, or pay stubs on any of them, and no debt-to-income limit.
No. We pull a hard credit report, but there’s no minimum score on any program. A lower score adjusts your rate, leverage, or reserves rather than disqualifying you, because the asset carries the underwriting.
Absolutely — most investors do over time. A common path is buying and rehabbing with hard money, then refinancing into a DSCR loan and pulling capital out with a cash-out refinance (the BRRRR strategy). One direct-lender relationship covers the whole cycle.
Often days to about two weeks on a clean file — same-day for transactional funding — because we underwrite the asset rather than verifying income. DSCR loans take a bit longer for the full appraisal and rent analysis.
Not sure which program fits?
Tell us the property and your strategy, and we’ll point you to the right program — and give a real answer on your deal.