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Business-Purpose Lending · Nationwide

We close the loans other lenders walk away from.

Hard money, DSCR, bridge, construction, and private capital for real estate investors — from your first deal to your fiftieth. Fast, creative, and always compliant.

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5 business daysFastest closings on record*
50 statesNationwide, case by case in 5
Investor-firstNo gouging, no games

What we lend on

Business-purpose only

Property useInvestment / commercial
BorrowerEntity or individual
TransactionPurchase or refinance
ExperienceFirst-timers to developers
CoverageNationwide*

Why CHIF Loans exists

We got tired of watching brokers gouge clients, so we built something else.

Before CHIF Loans, we worked for a lender whose entire pitch was “let us close your dead loans.” We took the deals every other shop had already rejected and figured out — creatively, and always within guidelines — how to get them closed. That's still how we run this company. No pressure tactics, no padded fees, just people who genuinely want your deal to work.

Who we help

Current and prospective real estate investors — first-timers, seasoned landlords, flippers, and developers, all working toward the same thing: getting a deal funded.

What You Can Expect

A sense of assurance that someone actually has your back on the file — from application to the closing table.

Purchases and refinances

Whether you're acquiring your next investment property or drawing liquidity from one you already own, we structure the loan around your goal.

THE MATH

Credit. Cash flow. Collateral. Two out of three usually gets you to a bankable loan.

Tell us about your deal.

Five minutes now saves everyone a week later. Start a quick app or grab time on the calendar.

Start a Quick App Book a Time

Loan Types

Capital for every stage of the deal.

Every transaction is different, and terms are built around your specific deal and borrower profile. This is the short list of what we lend on — tell us the details and we'll tell you what's possible.

Hard Money Loans

Short-term, asset-based capital that moves fast when timing matters more than a perfect file.

DSCR Loans

Qualify off the property's rental cash flow instead of your personal income or tax returns.

Fix & Flip Loans

Purchase and rehab financing structured around your budget and your after-repair value.

Bridge Loans

Close the gap between selling one property and buying the next without missing the window.

Construction Loans

Ground-up and vertical construction financing for builders and developers, draw by draw.

Small Balance Commercial

Financing for smaller commercial assets — multifamily, mixed-use, retail — that big banks skip.

Private Loans

Access to a network of private lenders when a deal needs a custom, one-off structure.

Rates, terms, and structure vary loan to loan — we're intentionally not publishing generic numbers here because your deal isn't generic. Start a quick app and we'll come back with real terms.

Speak the language

A short glossary

ARV
After Repair Value — the estimated value of a property once renovations are complete.
DSCR
Debt Service Coverage Ratio — measures whether a property's income covers its own mortgage payment.
LTV
Loan-to-Value — the loan amount compared to the appraised value of the property.
Bridge Loan
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Cap Rate
Net operating income divided by purchase price — a quick read on potential return.
Clear to Close (CTC)
The lender has signed off — the transaction is ready to close.

Quick App

Get a soft-inquiry look at your deal.

No credit pull, no obligation. This just gives us enough to give you a real, informed answer — usually within one business day.

The Loan
The Property
You
Contact

Submitting sends your information directly to our team — no email client required.

Thanks — your quick app was submitted. We typically reply within one business day.
Something went wrong submitting your quick app. Please try again, or email us directly at info@chifhomes.com.

What happens next

  • We review your quick app the same day.
  • If it looks bankable, we call or email with real terms.
  • You decide if it's worth moving forward — no pressure either way.

Prefer to talk first?

Skip the form and grab time directly on the calendar.

Book a Time

Become a Partner

Bring us your deal, keep your relationship.

Brokers and referral partners are a big part of how we do business. Send us a borrower who needs creative, fast, compliant capital — we'll co-broker it and protect your seat at the table.

How co-brokering works with us

  1. 01Send us the borrower and the basics of the deal.
  2. 02We work the file together — you stay in the loop the whole way.
  3. 03Loan closes, referral fee is honored, relationship stays yours.

Submit a partner inquiry

Fill out our short partner form and we'll follow up to talk specifics.

Open Partner Form

Prefer email? Reach out directly at info@chifhomes.com.

Book a Time

Let's talk through the right loan.

Not sure whether this is a DSCR deal, a bridge, or something else entirely? Fifteen minutes usually sorts it out.

What to have ready

  1. 01The property address, or the market you're targeting.
  2. 02Rough numbers — purchase price, value, and how much you need.
  3. 03Your timeline — especially if you're already under contract.

Pick a time

Opens our live calendar in a new tab — pick whatever works for you.

Book a Call

Where We Fund

Nationwide, with five exceptions.

We fund business-purpose loans across the country. A handful of states require additional licensing for this type of lending, so those are reviewed case by case rather than off a standard playbook.

Standard nationwide funding
Case by case — AZ, CA, NM, NV, UT
In a case-by-case state? It doesn't mean no — it means we look at the specific loan, the specific structure, and figure out what's required before we quote it. Start a quick app and we'll tell you exactly where things stand.