Certain Lending

Certain Lending is a specialized lender focused exclusively on real estate investors, offering a comprehensive suite of financing solutions for fix-and-flip projects, rental property acquisitions, construction loans, and portfolio financing. Their products include short-term fix-and-flip loans (as quick as 5-day closes), construction financing for residential and small multifamily properties, long-term rental property loans with DSCR underwriting, short-term rental (Airbnb/VRBO) financing, bridge loans, and bank statement loans for self-employed investors. They differentiate themselves through fast closings (often 2-3 weeks), flexible underwriting that doesn't require employment verification, high loan-to-cost ratios (up to 92.5% on fix-and-flips), and support for foreign nationals and experienced investors.