Quikhome Mortgage Lending, LLC (NMLS #2063359) is an independent mortgage brokerage specializing in fast, reliable asset-based lending and non-owner-occupied investment financing for real estate investors, rehabbers, and builders. Instead of locking your project into a single bank or rigid direct fund, we broker your deal across a vetted wholesale network of institutional private capital, debt funds, and non-QM conduits—securing competitive fix and flip financing, fast closing bridge loans, ground-up construction capital, and long-term DSCR rental loans across 30+ states.
Institutional Private Capital Meets Boutique Broker Execution—Shop Multiple Wholesale Credit Boxes Through One Dedicated Point of Contact.
Every real estate investment strategy requires a specific capital structure. As a dedicated private money mortgage broker, we match your project with wholesale institutional lenders, private debt funds, and family offices—securing competitive market rates and high-leverage terms without retail bank red tape.
| Brokered Loan Program | Max Leverage (LTC / LTV) | Max ARV Limit | Payment & Term Structure | Min Credit / DSCR | Target Closing Speed |
|---|---|---|---|---|---|
| Fix & Flip Rehab | Up to 90% Purchase + 100% Rehab | Up to 75% ARV | 6–18 Mo. Interest-Only (Drawn or Full Note) | 640+ FICO | 7 to 10 Business Days |
| Bridge Loans | Up to 80% LTV (Purchase) / 75% (Refi) | N/A (As-Is Value) | 12–24 Mo. Fixed Interest-Only | 620–640+ FICO | 5 to 10 Business Days |
| New Construction | Up to 85% LTC (Land + Hard Costs) | Up to 70%–75% ARV | 12–24 Mo. Interest-Only Draw Schedule | 660+ FICO | 10 to 14 Business Days |
| DSCR Rental Loans | Up to 80% LTV (Purchase) / 75% (Cash-Out) | N/A (Stabilized) | 30-Yr Fixed, ARM, or 10-Yr Interest-Only | 640–660+ FICO / 1.00x+ DSCR | 14 to 21 Business Days |
Preserve your working capital for acquisitions and contingencies. Through our wholesale capital network, we broker fix and flip financing covering up to 90% of the purchase price and 100% of your renovation budget, capped at 70% to 75% of the After Repair Value (ARV).
Need to close quickly on an off-market deal, purchase at auction, buy out a partner, or pull equity from an existing investment property? We arrange fast closing bridge loans that provide rapid liquidity based on "As-Is" property value without rehab holdback complexity.
Traditional community bank construction loans often stall in committee reviews and restrictive draw schedules. We place spec builders and infill developers with specialized construction debt funds offering predictable draw turnarounds and high Loan-to-Cost leverage.
Scale your buy-and-hold or BRRRR portfolio without hitting conventional Fannie Mae property limits or personal Debt-to-Income (DTI) walls. We broker Debt Service Coverage Ratio (DSCR) loans underwritten strictly on the property's gross rental income against the proposed PITIA payment.
When you apply directly to a single hard money lender, you are confined to their solitary credit box. If their appetite for your zip code, property type, or experience tier shifts mid-escrow, your earnest money deposit is at risk. Partnering with Quikhome Mortgage Lending, LLC as your mortgage brokerage gives you wholesale market access backed by over two decades of hands-on real estate brokerage, valuation, and lending experience.
As your mortgage broker, we match your project with capital partners that utilize common-sense asset-based underwriting rather than rigid retail bank overlays. Led by President and Principal Broker Kristofer L. Nance (NMLS #2033980)—a licensed real estate professional since 2002 with deep experience analyzing distressed, REO, and value-add properties—we pre-scrub your Scope of Work (SOW) and comparable sales package upfront so appraisers and lender underwriters clearly see the equity in your deal.
A debt fund that excels at 90% LTC cosmetic flips rarely offers the most competitive pricing on a 30-year DSCR cash-out refinance or a heavy structural renovation. Because we operate as an independent mortgage brokerage, we maintain vetted wholesale relationships with national private debt funds, non-QM aggregators, and regional private capital sources—shopping your scenario across multiple credit boxes to negotiate optimal leverage and wholesale pricing.
Time kills real estate deals, and slow construction draws stall contractors on the job site. We coordinate the entire brokerage packaging pipeline in-house—from initial ARV feasibility and appraisal/BPO ordering to title clearing and entity review. Post-closing, we place your rehab loans with servicing partners that utilize mobile-app and field inspection systems to wire construction draw reimbursements in 48 to 72 business hours.
The business purpose real estate loan programs we broker are selected for transparent guidelines, predictable draw schedules, and repeatable execution for both first-time flippers and full-time portfolio operators.
Note: All financed properties must be strictly non-owner-occupied investment real estate.
To comply with commercial lending statutes and private lending exemptions, loans must close in the name of a registered legal entity—such as a Limited Liability Company (LLC), Series LLC, LP, or Corporation—with an active EIN, Articles of Organization, and Operating Agreement. Borrowers execute a mandatory Business Purpose & Non-Owner-Occupancy Affidavit at closing certifying the property is strictly for commercial investment purposes.
Submit your property address, purchase price, rehab budget, estimated ARV or rent, and experience profile online in under three minutes—no hard credit pull required to quote.
We analyze your comps and match your scenario against our wholesale debt funds and institutional lenders to deliver a transparent, side-by-side term sheet within hours.
We order the appraisal or expedited BPO immediately while coordinating your LLC entity docs, insurance binder, and title commitment through a single point of contact.
Sign closing documents with your settlement agent or mobile notary. Acquisition funds are wired directly to the closing table and your rehab escrow account is activated.
Headquartered in Fredericksburg, Virginia, Quikhome Mortgage Lending, LLC brokers and arranges commercial and business purpose real estate loans across more than 30 states where non-owner-occupied investment transactions made to business entities (LLCs and Corporations) operate under commercial lending statutes.
Clean bridge loans that do not require a full appraisal (or utilize an expedited valuation or desktop review) can close in as little as 5 to 10 business days once clear title and entity documents are received. Standard fix and flip financing and DSCR rental loans requiring a full independent appraisal typically close in 10 to 21 business days.
Yes. Almost all institutional private lenders and hard money debt funds in our network require business-purpose loans to vest in a legal business entity such as an LLC or Corporation. If you are currently under contract in your personal name, you can form an LLC prior to closing and execute a simple contract addendum assigning the purchase agreement to your new entity.
After Repair Value (ARV) is determined by an independent licensed appraiser who reviews your itemized Scope of Work (SOW) alongside recent comparable sales of renovated properties within a 0.5- to 1-mile radius completed within the last 3 to 6 months. As your mortgage broker, we review your rehab budget and comps before ordering the appraisal so your projected ARV is realistic and defensible.
Most institutional fix and flip and DSCR loan programs in our wholesale network require a minimum middle FICO score between 640 and 660, though select asset-based bridge funds can accommodate scores down to 620 with adjusted LTV leverage. Borrowers must verify liquid reserves (bank, brokerage, or retirement accounts) covering down payment, closing costs, 3 to 6 months of interest payments, and initial working capital to start work.
One hundred percent of your approved renovation budget is held in a lender construction holdback account at closing. You initiate the first phase using your own working capital, and as milestones are completed, you request a draw via mobile-app photo/video inspection or an on-site field inspector. Approved reimbursement funds are typically wired to your business account within 48 to 72 business hours.
Short-term fix and flip, bridge, and ground-up construction loans typically carry zero prepayment penalties, allowing you to sell or refinance as soon as the project is complete (some capital partners require a 3-month minimum interest guarantee). Long-term DSCR rental loans normally include step-down prepayment structures (such as 5-4-3-2-1 or 3-2-1) in exchange for lower fixed interest rates, with shorter or no-prepay buyout options available.
Have an investment property under contract or preparing to submit a cash-style offer? Send us the high-level deal metrics. You will work directly with an experienced mortgage broker—never an offshore call center—and receive a transparent comparison of wholesale leverage, current market rate options, origination points, and estimated cash-to-close within hours.
Include these 5 items in your request for the fastest wholesale pricing turnaround: