CI Financing is your trusted source for real estate investment tips, financing solutions, and profitable opportunities.
About US
Smart Real Estate Investment
At CI Financing, we are passionate about helping individuals and businesses succeed in real estate investment. Our mission is to simplify complex financing options, provide reliable market insights, and share practical strategies that support confident decision-making. Whether you’re just starting out or expanding your portfolio, we aim to be a trusted resource for building long-term wealth through real estate.
Loan products
BRIDGE LOANS
- Fix & Flip
- Ground Up
- Stabilized Bridge
- 1-4 unit properties.
- Up to 90% purchase and 100% rehab.
- 12-18 month interest-only terms, up to 24 for ground-up at lender discretion.
- Rehab for a range of projects from light cosmetic to gut renovations.
- Construction loans for ground-up & tear-downs.
- Up to 100% of rehab or construction costs
Ideal for floating market rates, temporarily holding assets.
DSCR LOANS
- Single Rental
- Portfolio
- 1-4 unit, warrantable condos, townhomes, PUD.
- Hybrid ARMs and partial IO options.
- 30-year terms with fixed rates starting at 5.25%.
- 30-year terms with fixed rate, hybrid ARMs, and partial IO options.
- Easy step-down prepayment penalty options.
- Underwritten on property cash flow, no tax returns or borrower income information required.
- 15-30 day closing timelines and easy seasoning requirements.
Loan programs
Bridge Loan
Purchase, renovate, and rent/sell non-owner occupied homes with 1-4 units
Now offering Snap Draws DIY for easier and faster project reimbursements!
- Loans from $50K – $3MM
- Funding up to:
– 90% of purchase price
– 100% rehab costs
– 75% ARLTV
- 12 month term, up to 18 months at lender discretion
- Extensive rehab allowed
- Full Recourse
- Foreign Nationals eligible
Build new homes with 1-4 units
Eligible Property Types: Non-owner occupied 1-4 unit reaidential, townhomes & condos
Now offering Snap Draws DIY for easier and faster project reimbursements!
- Loans from $50K to $3MM
- Funding up to:
– 75% of the lower of land value or purchase price, 60% if unpermitted
– 90% of total project costs with financed interest reserves
– Up to 70% ARLTV
– 100% of construction - Underwritten on property cash flow
- 12 month term, up to 24 months at lender discretion
- Full Recourse
Short term loans for 1-4 unit residential rent-ready properties with no planned renovations
- Loans from $50K to $3MM
- Max LTC:
– 90% of purchase price if owned < 6 months
– 100% of completed rehab costs - Max LTV: 70% if owned > 6 months
- 12 month term, up to 18 months at lender discretion
- Minimum 660 FICO
- DSCR and No DSCR Exit Options!
DSCR Loan
Purchase or refinance non-owner occupied rental properties with 1-4 units
- Loans from $75K – $2MM
- Single Family/2-4 Unit/ Townhomes/ PUD/ Warrantable Condos
- Purchase / Rate-Term Refinance: 80% LTC/LTV max
- Cashout Refinance: 75% LTV max
- 30-year loan terms with fixed rate, interest-only, and ARM options
- Minimum 660 FICO
- Minimum 1.05x DSCR
Purchase or refinance multiple non-owner occupied rental properties
- Min Property Value: $72K
- Max Loan Amount: $2MM
- Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
- Purchase / Rate-Term Refinance: 80% LTC/LTV max
- Cashout Refinance: 75% LTV max
- 30-year loan terms with fixed rate, interest-only, and ARM options
- FICO Midscore 660
- Minimum 1.05x DSCR
FIX & FLIP and GROUND-UP CONSTRUCTION
Property Types: 1-4 unit residential, townhomes & condos
Now offering Snap Draws DIY for easier and faster project reimbursements!
Loan Amount: $50k – $3MM
Extensive rehab allowed
12 month term, up to 18 at lender discretion
Visa, Green Card or Work Permit required
Background and credit required
Fix & Flip/Ground-Up subject to experience
Long-term DSCR rental loans also available