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Fix & Flip
Short-term capital to purchase, renovate, and sell investment properties.
Let's Go →Real estate capital for professional investors
Real Estate
Lending
Simplified.
Capital built around your next opportunity. Straightforward real estate lending, prompt decisions, and a team that understands why timing matters.
Built for the way investors move. ↗
Explore our distinctives.
Your time matters. Your capital should keep moving.
For over 40 years, SLS has focused on practical lending relationships. We aim to remove unnecessary steps, preserve your momentum, and help you act when the right property opportunity appears.
A relationship built on trust. We expect the best from our business partners, with clear communication and shared accountability.
Explore our Distinctives
✓Comparables over appraisals — Typically,
comparable sales can replace an appraisal, saving you the appraisal fee and the wait.
✓Your scope of work — Use your existing scope
rather than re-entering it into someone else’s forms.
✓Credit Facilities (THINK: Annual Line of Credit)
— Where approved, ongoing credit facilities can reduce repeated applications, support nimble
proof-of-funds requests, and provide greater certainty.
✓Expedited, fee-free draws — Request progress
draws by email, with photos welcomed; no routine onsite inspection or draw fee.
✓No payments for the first 90 days — Available for
most transactions, rather than interest payments beginning immediately.
✓Our capital. Local decisions. — We lend our own
capital and follow our own processes—not a system dependent on outside capital
investors.
✓Terms — Rates starting at 12.99% plus
points (not paid at closing) in most cases. No surprise fees or unexpected costs.
✓Simplified program — Pay 2.5 points monthly for up to six months.
✓Optimism and trust — We build long-term
partnerships through trust, responsible lending, and shared success.
✓Direct Access to Decision-Makers — Work directly
with people who understand real estate investing and have the authority to make
decisions.
Strategic capital
Use outside capital to build profit.
Preserve your own cash while putting more purchasing power to work. With financing of up to 75% LTV for qualified transactions, investors may be able to pursue opportunities, improve properties and keep liquidity available for the next opportunity.
Keeping more of your own capital available can create flexibility for renovations, unexpected expenses, and the next property worth pursuing. The right lending structure should support your investment strategy without slowing down the opportunities ahead.
A stronger outcome starts with a smarter purchase.
The potential margin starts with what you pay. Profit is realized when you sell—or through income over time.
Outside CapitalCreates Greater Leverage
Buying below supported value may create greater LTV flexibility.
Well-timed capital can help you act on a promising opportunity, preserve liquidity and stay
ready for what comes next.
Illustrative only. LTV and available financing depend on property,
valuation, program and underwriting.
Four ways we help investors move forward
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Long Term
Long-term, DSCR, and cash-flow-based lending programs.
Let's Go →▥
Multifamily
Capital for acquiring, refinancing, or improving multifamily properties.
Let's Go →⇄
Professional Wholesaler Support
Referral programs, transaction funding, double-close, wholetailing, and opportunity collaboration.
Let's Go →Always on. Always here.
The next opportunity doesn't wait for business hours. Start your request or send a question online at 11 PM—or whenever your next opportunity takes shape. Our team will follow up.
✉ Ask a Question →Speed, not paperwork.
Time matters in real estate. We focus on a streamlined review, practical property comps when appropriate, and common-sense underwriting—without unnecessary hurdles or a one-size-fits-all process.
What customers say
Ready for your next opportunity?
Let's make it happen.
Start online anytime. Talk with a real person when you need one.