Green · Gap funding
The piece your senior lender will not cover.
Your hard money covers 80% of the purchase. The other 20%, the rehab overrun and the closing costs are yours to find — and that is where good deals die. We place that piece in second position with private lenders who do this every week.
How it works
- 01
You send the deal
Purchase, rehab, ARV, your senior lender and the size of the hole.
- 02
We underwrite it first
If the numbers do not work we tell you, rather than shopping a deal that will be declined.
- 03
We place it
Straight to the private lenders in our network who fund this profile — not a blast to a list.
- 04
Terms and close
You deal with the lender on the note. We stay on the file until it funds.
What makes a gap deal fundable
Real equity at the ARV
Senior plus gap should leave meaningful room under the after-repair value. Thin deals do not get a second lender.
A senior lender already identified
Second position behind an unknown first is not a proposition anyone can price.
A track record, or a partner with one
A first-timer can get funded on a strong deal — usually alongside someone who has finished projects.
A number you are prepared to pay
Gap money is expensive because it is genuinely at risk. Deals that only work at cheap money do not work.
Money going straight to contractors
Where funds are released, and against what proof of work, is the single most negotiated term. Expect draws.
Gap request
Tell us where the hole is
If it is fundable we will say so quickly. If it is not, we will tell you why, which is worth more than a maybe.