Bypass personal tax returns, W-2s, and DTI limits. Secure institutional leverage across 13 private wholesale desks qualified strictly on asset cash flow and equity.
Calculate leverage limits & cash needed at closing
Eliminate traditional banking friction. Every facility is tailored to property-level returns and closed under legal business entities.
Long-term debt for buy-and-hold operators and BRRRR exits. Qualified strictly on rental revenue vs PITIA debt service.
| Eligible Assets | 1–4 Units, Condos, PUDs |
| Term Options | 30-Year Fixed & 10-Yr IO |
| Income Doc | No W-2s, No Tax Returns |
High-leverage acquisition and renovation capital. Preserve your cash on hand with 100% construction financing.
| Max Leverage | 90%–95% Purchase / 100% Rehab |
| Max ARV Limit | Up to 75% After-Repair Value |
| Term Length | 12–24 Months (Interest-Only) |
Access trapped equity from seasoned rental assets without disturbing your underlying 3%–4% senior mortgage.
| Senior Lien | Preserves Existing 1st Mortgage |
| Combined LTV | Up to 80%–85% Max CLTV |
| Use of Funds | Acquisitions, Rehabs, Reserves |
Commercial balance-sheet loans for small-balance apartment communities and mixed-use investment assets.
| Property Types | 5+ Multifamily, Mixed-Use |
| Loan Sizes | $250,000 – $10,000,000+ |
| Amortization | Up to 30 Years |
Our private and wholesale programs qualify deals based on the creditworthiness of the asset—specifically the Debt Service Coverage Ratio (DSCR) or property equity—rather than personal W-2 income, tax returns, or personal debt-to-income (DTI) calculations.
Yes. All loans issued through Oak & Iron Lending are commercial business-purpose loans and are required to close under an active legal entity (LLC, S-Corp, C-Corp, or Partnership).
Fix & Flip bridge loans can close in as few as 7 to 10 business days once title and appraisal/valuation are completed. DSCR permanent financing typically closes in 14 to 21 days.
Speak directly with our deal desk to lock in competitive terms tailored to your portfolio goals.