Fix and Flip Loans
The renovation route
Buying a property to improve and resell calls for a financing discussion grounded in the renovation. Provide the purchase basis, estimated repair costs, target completed value and a realistic path to market.
Make the financing fit the strategy
Home
A clearer route
to your next property.
Purchase. Improve. Hold. Reposition. Trato Lending helps real estate investors explore loan options with a clear view of the property, the purpose and the repayment plan. trato lending llc
Trato Lending / Real estate investors
Fix and flipRental investmentBridge financingNew construction
01 / Explore your options
Choose the destination before the loan.
An investment strategy gives your financing request direction. A resale project needs a credible renovation and marketing schedule. A rental needs supportable income assumptions. A temporary funding need calls for a defined repayment event. Start there, then consider the loan program.
DSCR Loans
The rental route
Investors purchasing or refinancing a rental may explore DSCR loans. Ask how qualifying income and required debt service are determined, and prepare the lease, rent estimate and existing loan details that support your request.
Bridge Loans
The transition route
A bridge loan addresses a short-term capital need tied to a future event. Explain your starting point, intended repayment source and what needs to happen before the transition is complete.
Ground-Up Construction Loans
The development route
Ground-up construction financing begins with the site and the proposed finished property. Bring the land status, plans, permits, budget and contractor background so the project can be discussed as a connected whole.
The investor perspective
Rental income deserves a closer look
For a rental investment, look beyond a headline rent estimate. Ask what income will be used in the loan review and how the required debt payment is calculated. Lease terms, property condition and occupancy can affect the discussion. Trato Lending can outline the information needed to evaluate a DSCR financing scenario.
02 / A practical starting point
Know where you are. Know where you are going.
A financing request becomes clearer when the current property situation and the intended outcome are both defined. Organize the route between them before comparing loan options.
Identify your starting point
Is the property under contract, already owned, occupied or vacant? Explain the current condition and transaction status.
Define your destination
Describe the intended resale, rental hold or completed development. Support the plan with relevant property information.
Review the route
Discuss the loan program, documentation, timing and exit assumptions with Trato Lending before choosing your next step.
03 / Questions, answered
Before you choose a route.
Open a question to learn more about preparing your financing discussion.
What is the difference between the property plan and the financing plan?
The property plan describes what you intend to buy, improve, build or hold. The financing plan explains how you will fund that work and repay the loan. The two should use consistent budgets, assumptions and timelines.
Do DSCR loans use the same review as a renovation loan?
The focus differs. A rental discussion centers on qualifying property income and debt service, while a renovation discussion includes the scope, costs and completed value. Ask about the specific documentation for each program.
What should I include if I already own the property?
Share your acquisition date, current loan balance, property condition and proposed use of the new funds. Include relevant income, renovation or construction information and the value assumptions behind the request.
How do I begin with Trato Lending?
Call the number shown on this page with a short overview of your investment. Have the property address, requested financing, project purpose and target timing available to guide the conversation.
Your next step
Map your next investment with Trato Lending.
A useful financing discussion begins with a specific property and a well-defined objective. Bring both to your first call.
Have the property address and your investment objective ready.
Explore more real estate investment financing information from trato lending.