National Private Lending

11/03/2026

Close fast. Bridge the gap.

Some of the best deals come with a short window. A seller who needs certainty, a property that needs work or lease-up before it qualifies for long-term financing, or maturing debt that needs to be replaced. Bridge capital is built for those situations.

National Private Lending's bridge program, from our current guidelines:
- 12 to 18 month terms
- Up to 80% of purchase, 65% to 75% depending on scenario
- 660 minimum credit score
- Loans from $75K to $3M, up to $5M and $10M
- Interest-only on draw funds
- Single-family through commercial properties

The key to any bridge loan is the exit. Most investors plan to sell after repositioning the asset, or refinance into a long-term DSCR or multifamily loan once the property is stabilized. We structure the loan around that plan.

Tell us about the property, your timeline and how you plan to exit.

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Sellers carrying maturing debt are motivated right now, and investors who can move with certainty are finding opportunities others miss.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

11/03/2026

Our Rental Loans allow you to access long-term financing at a fixed rate. You can use it to unlock your existing equity, purchase new rental properties, or consolidate other debt. Our DSCR loans are flexible to meet the needs of your real estate business and rental property investors. Talk to an expert today.

11/02/2026

Three steps to funded.

Investors have enough to manage on the property side. Financing should be the simple part. At National Private Lending, the process comes down to three steps:

01 Request a quote. Tell us what you are working on.
02 Send your deal. Property details and the scope of work.
03 Close and build. Once approved, we get you to the closing table so the project can get underway.

Behind those three steps is a full lineup of investor programs:
- Fix and flip and fix and rent
- Short-term bridge loans
- Residential and commercial ground-up construction
- DSCR rental loans and cash-out refinance
- Multifamily and small commercial
- Loan sizes from $50K to $50M

The cleaner the deal package, the faster it moves: the address and contract, a realistic budget and a clear exit plan.

Three steps. One team. Your project, funded.

Message our page to start.

In competitive markets, the investor who moves with clarity tends to win the deal. A simple process helps you present a stronger offer.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

11/02/2026

Real Estate Talk with Christian Arce, Talking about how to fund your real estate business

Real Estate Talk with Christian Arce Talking about everything that is going on today and how to fund your real estate business. Funding 100% of your Real Estate Deals. Connect with me on Facebook.com/ChristianArce.Investor Instagram.com/ChristianArce.com_ Linkedin.com/in/christianarce/ Twitter.com/C...

11/02/2026

Own the lot? Start the build.

An empty lot costs money every month it sits. Taxes, insurance and the opportunity you are missing all add up. National Private Lending's residential ground-up construction program is built to turn that lot into a finished home, to sell or to hold.

Program highlights from our current guidelines:
- Loans from $100K to $50M
- 75% to 90% of cost
- 12 to 24 month terms
- Up to 20 units
- Land advance available, up to 75%
- Detached homes, townhomes, condos and mixed-use

Construction funds are released in draws as work is completed, so the money follows the progress on site.

When the home is done, you can sell it or refinance it as a long-term rental. Our new construction refinance offers cash-out up to 70%.

Tell us about the lot, the plans, the budget and your exit.

Message our page to start.

Already own the land? It can play a role in the deal structure and reduce the cash you bring to closing.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

11/02/2026

Your equity, back to work.

If you own a stabilized rental, there is a good chance it holds more equity than you realize. Appreciation, principal paydown and the improvements you made all add up. A DSCR cash-out refinance lets you put that equity to work on your next deal without selling the property.

DSCR loans qualify on the property's cash flow, not your personal income. No tax returns or W-2s driving the decision.

Program highlights from our current guidelines:
- 30-year terms
- Cash-out up to 75%, up to 80% on qualifying deals
- 660 minimum credit score (680 in Cook County)
- Loans from $75K to $5M, up to $10M
- Single-family through larger multi-unit rentals

Common uses for the proceeds: the down payment on another rental, funding a renovation, paying off short-term debt or building reserves for the next opportunity.

Send us the address, the current rent, an estimated value and your payoff, and we will walk through the numbers with you.

Message our page to start.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

11/02/2026

Building your first ground-up project? Most construction lenders want a track record first. We don't stop there.

National Private Lending now prices its own First-Time Builder tier, so an investor with no ground-up projects behind them can still get a quote.

National Private Lending finances the land, the build and the soft costs in one loan, paid out in draws as the work gets done. The interest reserve can be financed into the loan, so you are not making interest payments out of pocket during the build.

- Loan size up to $1MM (up to $3MM pre-screened)
- Leverage up to 85-90% of total cost
- Finished value up to 70% of after-completion value
- Term up to 12 months interest-only, up to 18-24 months available

For investment properties: spec builds, build-to-sell and build-to-rent. Send us the land, the plans and the budget, and our team will review the deal with you.

Message our page to start.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

Photo: L Maule, via Wikimedia Commons.

11/02/2026

Buy it. Fix it. Flip it fast.

A good flip starts with a good buy, and a good buy usually goes to the investor who can move with confidence. National Private Lending's fix and flip financing covers the purchase and funds the renovation through draws, with a structure built around your exit.

Program highlights from our current guidelines:
- Loans from $50K to $5M, up to $10M
- 12-month terms, extendable up to 24 months
- Up to 100% financing for experienced investors with a 680+ score
- Newer investors: up to 80% of purchase and 100% of rehab, up to 90% of purchase with a 740+ score
- 660 minimum score, 640 considered case by case
- No income documentation

The math on a flip is simple: less cash tied up in each project means more projects running at once. Pair that with a draw schedule that keeps your contractor working and an exit plan you trust, and the business scales.

Tell us about the property, the purchase price, your renovation budget and your exit.

Message our page to start.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

11/01/2026

Moving from single-family to multifamily: what lenders look for.

Multifamily financing is underwritten more like a business than a house. Here is what matters.

What lenders review:
- The rent roll and occupancy: who pays, how much and how consistently
- Operating expenses: taxes, insurance, utilities, maintenance and management
- Cash flow coverage against the proposed debt
- Sponsor experience: owning or operating income-producing real estate helps
- The business plan: stabilized hold, value-add, or reposition

Program criteria at a glance:
- Multifamily: 5-30 units, $350K to $5M, 700 minimum credit, up to 75% LTV, DSCR as low as 1.20x
- DSCR Multifamily (5-8 units): $250K to $3M, minimum DSCR 1.00, 12 months of experience owning income-producing real estate

How to structure your first deal:
- Stabilized building: long-term fixed or adjustable, interest-only available
- Needs work: short-term bridge or value-add financing, then refinance into long-term debt
- Already own rentals: a cash-out refinance can fund the down payment on the next building

Why it matters: investors who walk in with a clean rent roll, realistic expenses and a clear plan get better structure and faster answers. Knowing what lenders review before you make an offer helps you price the building correctly and avoid surprises at underwriting.

Message our page to start.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.

11/01/2026

Scenario: the build is finished. The equity is real. The cash is trapped.

Here is how builders use a New Construction Refi to keep momentum.

The setup: a builder completes a spec home or small multi-unit project. It is ready to list or lease, but the capital that built it is tied up and the next lot is waiting.

The numbers on this New Construction refi:
- Up to 70% cash-out
- 80% plus 100% of rehab, up to 90% for experienced buyers
- 1-year term, up to 18 months, 660 minimum credit
- Loans from $75K to $10M

How we structure it:
- Refinance the completed property with cash-out
- Use a short-term structure that bridges to a sale or to long-term rental financing
- Higher leverage available for experienced builders
- Pair it with ground-up financing on the next project so the pipeline never stalls
- Choose the exit: sell, or hold and move into a DSCR loan

What builders should bring: the completed project, cost and completion documents, a current value and a clear plan for the next deal.

Why it matters: idle equity is the most expensive capital a builder has. Every month it sits in a finished house is a month the next project is not underway. A completion refinance converts sweat and risk into fresh capital, and keeps crews, suppliers and momentum intact.

Message our page to start.

National Private Lending lends nationwide on acquisitions, refinance and cash-outs as well as renovations, new construction and rental properties, for residential and commercial real estate.