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.
Select a specialized capital program to view criteria and terms
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 investors. Underwritten strictly to property gross rents divided by PITIA.
| Max Leverage | 85% Purchase / 80% Refi |
| Term Options | 30-Year Fixed / 10-Yr Interest-Only |
| Min Credit Score | 620 FICO |
| Income Docs | None (No W-2s / Tax Returns) |
Rapid capital for acquisition and 100% of construction costs. Designed to help flippers scale volume with minimal out-of-pocket cash.
| Max Leverage | 100% Purchase + 100% Rehab |
| Max ARV Cap | Up to 75% ARV |
| Term Length | 12 - 24 Months (Interest-Only) |
| Speed to Close | 5 to 10 Business Days |
Commercial bridge and permanent financing for apartment complexes, mixed-use, and multi-family portfolio acquisitions nationwide.
| Loan Sizes | $250,000 – $10,000,000+ |
| Property Types | 5+ Units / Mixed-Use / Portfolios |
| Structure | Bridge to Perm / Value-Add |
| Min Credit Score | 650 FICO |
Unlock trapped equity in investment properties without refinancing or giving up low first-mortgage interest rates.
| Max CLTV | Up to 75% Combined LTV |
| Facility Type | Closed-End 2nd / Credit Line |
| Occupancy | Non-Owner Occupied Investment |
| Underwriting | No Personal Tax Returns |
To issue an official soft-quote/term sheet within 24 hours, our desk only requires a basic application, subject property address, purchase agreement or rent roll, and sponsor experience background. No tax returns or personal income documentation required.
Yes. Every transaction originated through Oak & Iron Lending is strictly business-purpose debt and must close under an LLC, Corporation, or LP.
We provide nationwide commercial debt coverage across 40+ states for business-purpose residential (1-4 unit) and commercial properties.
Submit basic deal metrics to our desk and receive an actionable term sheet within 24 business hours.