Direct lending built for real estate investors: fix & flip operators, builders, rental investors, and bridge borrowers. Five programs, one lender, structured around your project.
Whether you're acquiring, renovating, building from the ground up, or holding rentals for the long term, Arcstone structures capital around the way investors actually work.
Short-term financing to acquire or refinance investment properties while you position your exit: sale or long-term refinance.
Purchase plus renovation funding in one loan, with two tracks sized to your scope, from cosmetic updates to full structural rehabs.
Land plus vertical construction for new 1–4 unit investment builds on entitled, permitted sites, with draws tied to milestones.
Long-term rental financing qualified on the property’s cash flow. No tax returns, no W-2s, close in your LLC.
Multiple investment properties under one loan: one closing, one payment, with releases as you sell.
Leverage, loan size, and program access scale with your verified investment experience over the last 36 months. The more you've completed, the more we offer.
Top-of-program leverage, largest loan sizes, and access to every product, including 5–9 unit and portfolio lending.
Experienced-investor terms with strong leverage on Bridge and Renovation, plus Construction with ground-up experience.
Developing investors get competitive leverage on Bridge and Renovation loans as they build their track record.
New to investing? Start with Bridge and Standard Renovation loans designed to help you complete your first projects.
On renovation and construction loans, interest accrues on your outstanding drawn balance only, never on committed but undrawn funds.
Reimbursement draws verified by third-party inspection keep your project funded as work completes, on a schedule designed around your build.
Exit early without a fee on standard terms. Sell or refinance the moment your project is ready.
Rates fixed at closing with interest-only payments for the full term, for predictable carrying costs from day one.
SFR, 2–4 unit, condo, townhouse, PUD, plus 5–9 unit residential and portfolio lending for experienced investors.
Asset-focused, business-purpose lending with a dedicated credit team, and a defined exception process when your deal deserves a closer look.
Arcstone lends nationwide on non-owner-occupied investment property, with deep roots in California, the largest residential transition loan market in the country.
State eligibility is subject to licensing and periodic review. Certain markets may carry adjusted leverage. Contact us to confirm current eligibility for your property's location.
Brokers and correspondents: access the full Arcstone RTL product matrix, dedicated account executives, and a scenario desk built for wholesale at AMP RTL.
Talk to an Arcstone loan advisor about your next acquisition, flip, or build, and get terms structured around your deal.