We work with real estate investors, developers, and business entities purchasing or improving non-owner-occupied properties. All loans must be held in the name of a legal entity such as an LLC, corporation, or limited partnership.
Eligible property types include single-family rentals (SFRs), 2–4 unit properties, multifamily, mixed-use, commercial real estate, and land or development lots. Owner-occupied properties are not eligible.
Pre-approvals are typically issued within 24–48 hours, and full funding can be completed in 5 to 10 business days, depending on documentation and underwriting.
Standard terms range from 6 to 24 months, depending on the loan program. Most loans are interest-only, with a balloon payment due at maturity.
Yes. While loans are extended to business entities, personal guarantees from key principals are typically required.
No. Blue Dot loans can be repaid early without penalty, unless otherwise specified in your term sheet.
We assess the property (location, value, rehab scope), the borrower’s experience and financial strength, and the planned exit strategy. While credit is reviewed, our approach is primarily asset-based.
Most loans require a third-party appraisal or Broker Price Opinion (BPO). In some cases—such as bridge or transactional loans—internal valuations may be used.
Possibly. A strong project, adequate reserves, and a clear exit plan may still qualify, even if your credit is below average.`
If your loan includes construction or rehab financing, funds are held in escrow and released in phased draws based on inspection milestones.
No. These are business-purpose loans and are not reported to personal credit agencies.
Yes. We support repeat borrowers and may approve multiple concurrent loans, subject to underwriting review.
Pre-approvals can be issued in as little as 24 hours, with full funding in 5–7 business days upon receipt of all documents.
Yes. We work with both first-time and seasoned investors. A solid plan and reliable team are key.
Loan amounts typically range from $100,000 to $3,000,000.
A credit score of 620 or higher is generally preferred, but we focus more on the asset and exit strategy.
We typically lend up to 85% of total project cost or up to 70–75% of ARV.
Yes. Rehab funds are disbursed in draws, and up to 100% may be financed depending on the deal.
You can apply for a cash-out refinance to unlock equity.
Yes, in most cases, through a third-party provider.
A completed loan application, scope of work, purchase contract (if applicable), bank statements, ID, and business entity documents.`
Yes. We allow immediate refinancing into DSCR or traditional loans with no seasoning period.
No. This product is designed for vacant properties being rehabbed for future rental.
Interior, exterior, system upgrades, and cosmetics are all eligible. Structural work must be disclosed.
Yes. All loans must be made to a legal entity, not individuals.
Preferred equity offers more leverage without full equity dilution and is structured differently from subordinated debt.
No. Blue Dot’s preferred equity loans are structured as first-position capital only.
We only consider experienced sponsors with a track record of successful development or value-add projects.
Institutional-grade multifamily, mixed-use, or commercial properties with a defined exit strategy.
Typically within 5–10 business days, depending on document readiness.
No appraisal is required in most bridge loan scenarios.
Yes. Cash-out is available for qualified properties with sufficient equity.
1–4 unit residential, small multifamily, and mixed-use investment properties.
Raw land, improved lots, entitled parcels, and subdivided tracts may qualify.
No. We fund land-only purchases even without immediate development plans.
Up to 60%, depending on borrower profile and location.
Yes. We offer refinance and cash-out options for land with sufficient equity.
Typically between 3 and 20 under a single loan structure.
No. These loans are underwritten based on property cash flow and DSCR.
Yes. You can bundle SFRs, duplexes, and small multifamily properties.
All properties must be held under a single legal entity.
No. Transactional funding is based entirely on the structure of the deal.
No appraisal is needed. We fund based on executed contracts and title verification.
We can close within 24 hours if all required documentation is submitted.
Executed A-to-B and B-to-C contracts, title commitment, and end-buyer funds in escrow.
Whether you're submitting a loan request, exploring investment opportunities, or simply have a question, our team is ready to help.
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