Residential Transition Loans
Investor capital, built for speed and certainty.
Bridge, Fix & Flip, and Ground-Up Construction financing for residential real estate investors - direct, fast, and structured around your project.
$100K - $3M loan sizes Up to 90% LTC Interest-only fixed rates No prepayment penalty
Loan Programs
Financing for every stage of your project
Whether you're acquiring, renovating, or building from the ground up. Arcstone structures short-term capital around the way investors actually work.
Buy & Hold Position
Bridge Loans
Short-term financing to acquire or refinance investment properties while you position your exit, sale, or long-term refinance
Max LTV (purchase) | Up to 80%
Loan size | $100k - $3M
Term | 12 mo + extensions
Structure | Interest-only
Prepayment Penalty | None
Renovate & Resell
Fix & Flip / Renovation
Purchase plus renovation funding in one loan, two tracks sized to your scope, from cosmetic updates to full structural rehabs.
Max LTC (purchase) | Up to 90%
Max LTARV | Up to 75%
Loan Size | $100K - $3M
Term | 12-18 mo + ext.
Interest | Drawn balance only
Build New
Ground-Up Construction
Land plus vertical construction for new 1-4 unit investment builds on entitled, permitted sites, wit draws tied to milestones.
Max Total LTC | Up to 85%
Max LTARV | Up to 70%
Loan Size | $200K - $3M
Term | 18-24 months
Interest | Drawn balance only
Experience Rewarded
Your track record works for you
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.
Tier 1
5+ Projects
Top-of-program leverage, largest loan sizes, and access to every product, including 5-9 unit and portfolio lending
Tier 2
3-4 Projects
Experienced-investor terms with strong leverage on Bridge and Renovation, plus Construction with ground-up experience.
Tier 3
1-2 Projects
Developing investors get competitive leverage on Bridge and Renovation loans as they build their track record.
Tier 3
First-time Investors
New to investing? Start with Bridge and Standard Renovation loans designed to help you complete your first projects.
Why Arcstone
A lender that thinks like an investor
Where we Lend
Lending in 44 States
Arcstone lends nationwide on non-owner-occupied investment property, with deep roots in California, the largest rsidential transition loan market in the country.