Zeebee

Nationwide except 7 states: Hawaii, Illinois, Nevada, North Dakota, South Dakota, Vermont, West Virginia

Property Geographic Area Details

$100,000 to $4,000,000

Loan Amounts

6.25% to 11.75%

Interest Rates

6 months to 360 months

Loan Terms

0% to 3%

Origination Fees

1st

Lien Position

About Certain Lending

At Certain Lending, we specialize in providing a comprehensive suite of loan products tailored for real estate investors. Our offerings include Fix and Flip loans for purchasing and renovating properties, Bridge loans for transitioning between investments, Construction loans for building new residential and small multifamily properties, and Rental Property loans for long-term financing based on rental income. We also offer Short-Term Rental loans for properties listed on platforms like Airbnb and VRBO, Rental Portfolio loans for financing multiple properties under a single loan, and Bank Statement loans catering to self-employed individuals by assessing income through bank statements rather than tax returns.

Choosing Certain Lending means partnering with a lender that prioritizes speed, flexibility, and transparency. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on reliability and tailored solutions, we empower both new and seasoned investors to scale their portfolios confidently.

Please note: We do not offer loans for owner-occupied homes, raw land, or commercial properties.

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yes. For value add loans, we will do a soft pull. For long term loans, we will do a hard pull. We do not allow for more than 1 missed mortgage late, or more than 3 missed payments across trade lines.

Credit Check Required

yes. We allow for multiple types of PPP, depending on state. 5-4-3-2-1, 1-1-1-1-1, 3-2-1, 1-1-1, 2-1, 1 and none.

Prepayment Penalty

N/A

Typical Closing Time (Days)