Private Money LendersLending in 50 states · 2 deals funded today
Construction loans, funded in 48 hours.
PML is a direct private money lender for real estate investors building, rehabbing, and scaling. Ground-up construction, fix & flip, bridge, and rental — underwritten in-house, drawn weekly, closed in as little as 48 hours.
Every loan we write ends with a finished home. From ground-up build to long-term rental, we fund every stage of the investor cycle.
Photo · Curtis Adams / Pexels
What we fund
Five loan programs, one underwriter.
Every product is funded with our own capital and underwritten by the same in-house team that signs your closing docs. No table-funding, no broker layers, no surprise fall-throughs.
Most requested
Ground-up construction loans
From single-family infill to a 12-unit townhome stack — interest reserves built in, draws funded in 48 hours, no construction-progress audits before draw 1.
See construction loan termsRates from 8.99%
Fix & flip loans
Short-term rehab financing with high leverage, low origination, and no application fee — for investors who close five flips a year or fifty.
Fix & flip termsUp to 18 months
Bridge loans
Acquisition and recapitalization financing for cash-purchased properties, entitlement plays, and post-renovation cash-out.
Bridge loan termsFrom 5.99% · DSCR · 30-yr fixed
Rental & DSCR loans
5/1 ARM, 7/1 ARM, and 30-year fixed permanent financing for vacation rentals and long-term rentals — interest-only options on day one.
Rental loan termsMulti-family
Multi-family loans
Fix & flip and permanent rental tracks for duplexes, fourplexes, and apartment buildings up to 50 units.
Multi-family termsFrom submission to wire
A construction loan can fund in 48 hours.
Here is what those 48 hours look like.
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Submit the deal
Drop in the property, scope of work, and budget. No application fee, no soft pull until you accept terms.
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Indicative terms
An underwriter — not a salesperson — replies with a real rate and leverage within four business hours.
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Title & appraisal
We order title and a desktop or full appraisal in parallel. You upload bank statements; we order the rest.
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Closing docs
Same in-house team that quoted the deal also signs the docs. No table-funding, no last-minute repricing.
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Wire & weekly draws
Funds wire at close. From draw one onward, inspectors clear within a business day; reimbursement wires within 48 hours.
Funded through every cycle, including the ones other lenders sat out.
From the desk
Builders we have funded more than once.
We had never built multifamily before. PML's underwriter walked our pro forma line by line, structured the interest reserve so we did not feed the loan out of pocket, and funded every weekly draw inside 48 hours. Twelve units topped out on schedule. The same person who quoted the deal signed our closing docs.
I have a deal under contract every six weeks and I cannot afford a fall-through. PML quotes within four hours and closes in two business days. No application fee, no soft pull, no surprise repricing at the table.
Bridge to flip, refi to a 30-year DSCR fixed — same underwriter, no W-2s, no tax returns, both sides of the trade in five months. PML is the only lender I have found who underwrites the exit before they fund the entrance.
Banks wanted a 30 percent equity stack and a six-month appraisal cycle to fund a single SFR build. PML funded the lot acquisition and the construction in one closing at 90 percent loan-to-cost, draws clear in a business day, no progress audit before draw 1.
My clients see one set of closing docs, one wire, one underwriter. No table-funding, no broker layer pretending to be a lender. PML is the partner I send my repeat investors to and the only one I trust with a 48-hour deadline.
The next deal does not have to wait on a bank.
Submit a property and get indicative terms from a real underwriter within four business hours. No application fee.