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Private Capital & Deal Financing: DSCR, Hard Money & Construction Debt

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Institutional Capital & Private Debt Marketplace

Private Capital & Deal Financing Hub

Underwritten against asset Net Operating Income (NOI), renovation scope, and After Repair Value (ARV). Compare vetted balance-sheet partners offering institutional DSCR debt, No-Credit-Check Fix & Flip loans, and Same-Day Transactional funding.

$150k – $25M+
Loan Sizing

Up to 100%
Rehab Funding

No Credit Check
Fix & Flip Available

Same-Day
Transactional Funding

Vetted Balance-Sheet Lending Partners

Select your capital partner to lock in registered terms and launch expedited underwriting.

★ Preferred National Partner
Renovo Financial

Renovo Financial

Premier national direct balance-sheet lender for residential rehab, ground-up construction, and long-term rental DSCR term debt. High leverage with streamlined draw disbursements.

Primary Programs:
Fix & Flip, DSCR, Ground-Up
Max Leverage:
Up to 90% LTC / 75% ARV
Loan Facility:
$150k – $15M+
Typical Hard Money Rates:
From 9.25% (Risk-Adjusted)
Typical DSCR Rates:
6.0% – 7.5%
Closing Speed:
7 – 14 Business Days

Underwriting Edge: Fast-track automated intake directly into Renovo underwriting with priority deal desk review.

★ No Credit Check Required
Rehab Wallet

Rehab Wallet

Asset-based private lender specializing in No-Credit-Check Fix & Flip loans, up to 100% rehab budget financing, Land/Manufactured home packages, and Same-Day Double-Close wholesale funding.

Primary Programs:
Fix & Flip, Same-Day, Land/MH
Credit Check:
NONE Required (Fix/Flip & Bridge)
Rehab Financing:
Up to 100% of Renovation Budget
Max Leverage:
Up to 70% ARV / 10% Down Payment
Transactional Fee:
Starting at 1% (Min $2,000)

Lending Territories:
• Fix & Flips: SC, NC, GA, VA, TN, OH (excl. Cleveland). 1st-timers: SC, NC, GA
• Land & Manufactured Homes: SC, NC, GA, VA, TN, OH, FL, AL, LA, TX
• Same-Day Funding: 40 States (all except AZ, NV, ND, SD, VT, UT, IA, OR, MN, CA)

Direct Referral Desk • Reviewed & Forwarded by Curtis Waters

Curtis Waters Advisory Desk

Capital Stack & Underwriting Review

Direct 1-on-1 strategic capital consultation with Curtis Waters, BIC & MBA. Audit your pro forma, stress-test debt service coverage (DSCR), optimize mezzanine debt, and negotiate multiple terms.

Advisor:
Curtis Waters, BIC & MBA
Advisory Scope:
Debt Modeling & Waterfall Structuring
Portfolio Fit:
1 – 100+ Commercial Units
Session Format:
15-Min Strategy Session
Scheduling:
Instant Calendar Booking

Independent Advice: Objectively evaluate whether Renovo, Rehab Wallet, or regional balance-sheet lenders offer the lowest cost of capital.


Book Strategy Session →

Direct Access via Cal.com Calendar

Institutional Financing Program Matrix

Compare underwriting benchmarks, credit criteria, leverage ratios, and territory coverage across our balance-sheet partners.

Program Feature Renovo DSCR Rental Renovo Fix & Flip Rehab Wallet Fix/Flip Rehab Wallet Same-Day
Primary Focus Property Net Cash Flow Rehab Scope & ARV Asset ARV & Scope Double-Close Wholesale
Credit Score Required Required (660+) Required (660+) NONE Required (N/A) NONE Required (N/A)
Rehab Budget Financing N/A (Term Loan) Up to 100% Draws Up to 100% of Rehab N/A (Transactional)
Max Leverage Up to 80% LTV Up to 90% LTC / 75% ARV 70% ARV / 10% Down 100% Purchase (Flat 1%)
Personal Income / W-2 Zero Required Zero Required Zero Required Zero Required
Eligible Territories Nationwide (45+ States) Nationwide SC, NC, GA, VA, TN, OH 40 States Nationwide
Closing Speed 10 – 14 Days 7 – 14 Days 5 – 10 Days 24 – 48 Hours

Official Underwriting Forms & Flyers

Review or download official lender matrices and program underwriting sheets below.

Rehab Wallet Loan Programs Matrix

Rehab Wallet Loan Programs Matrix

Covers First Flip, Fix & Flip, and Bridge parameters, credit rules, LTV, and terms.

View Full Flyer →

Rehab Wallet Same Day Transactional Funding

Same-Day Transactional Funding

One flat fee starting at 1%, zero upfront closing costs, 24-48 hr turnaround for double-close deals.

View Full Flyer →

Tenant Estoppel Agreement Due Diligence Form
Due Diligence Asset

Tenant Estoppel Form (2-Page PDF)

Audit in-place rents, security deposits, unwritten concessions, and prevent pro forma underwriting deficits.

Rapid Closing & Underwriting Protocol

From initial term sheet generation to clear-to-close, private capital is deployed with speed and execution certainty.

1

Deal Registration

Complete the portal intake form to lock in your broker sponsorship, ARV, and scope of work details.

2

Term Sheet (24 Hrs)

Receive a preliminary soft quote and customized LOI outlining leverage, rate, and debt service metrics.

3

Asset Valuation & Scope

Expedited appraisal, desktop valuation, or TruPic inspection ordered immediately upon signed LOI.

4

Wire & Funding

Clear-to-close issued. Closing funds wired directly to your closing attorney or title agency.

Frequently Asked Capital Questions

How does Rehab Wallet fund without a credit check?

Rehab Wallet is an asset-based balance-sheet lender that underwrites the intrinsic economics of the transaction: purchase price, scope of work, and After Repair Value (ARV). Because the loan is secured by substantial real estate equity and verified contractor scopes, borrower FICO scores are not required for experienced flippers.

What is Same-Day Transactional Funding?

Transactional funding provides short-term gap capital (typically 24 to 48 hours) for real estate wholesalers executing a double-close (A-to-B and B-to-C). Rehab Wallet charges a flat fee starting at 1% (minimum $2,000) with zero underwriting required and wires directly to the closing attorney.

Can I close under an LLC or holding company?

Yes. Both Renovo Financial and Rehab Wallet require or strongly encourage closing under a business entity (LLC, Corporation, LP, or Trust) to shield personal liability and streamline corporate borrowing.

What is the benefit of Curtis Waters Broker Sponsorship?

Registering through this hub locks in Curtis Waters, BIC & MBA broker sponsorship across both Renovo Financial and Rehab Wallet. This guarantees your file receives priority desk review, optimal institutional pricing, and expert deal structuring guidance.

Need Strategic Deal Structuring or Multi-Lender Rate Shopping?

Curtis Waters reviews commercial capital stacks, equity syndications, and private debt packages for single deals and portfolios up to 100+ units.


Schedule 1-on-1 Advisory Review →

Curtis Waters Real Estate Strategist

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Waters & Associates Group, LLC
9935-D Rea Rd Ste 460 | Charlotte, NC 28277

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Waters & Associates Group, LLC
Charlotte, NC 28277

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