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for investors.
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Fund Your Project
| Fix & Flip | New Construction | Bridge | Refinance | DSCR Rental | Multifamily | Portfolio | |
|---|---|---|---|---|---|---|---|
| Min. loan | $75,000 | $75,000 | $100,000 | $75,000 | $75,000 | $250,000 | $250,000 |
| Rate range | 7.73% – 9.73% | 8.99% – 10.99% | 8.99% – 10.99% | 7.73% – 9.73% | 5.75% – 7.25% | 7.49% – 9.49% | 7.25% – 9.25% |
| Points | 1.5 – 2.5 | 1.5 – 2.5 | 1.0 – 3.0 | 1.5 – 2.5 | 1.0 – 2.0 | 1.0 – 2.0 | 1.0 – 2.0 |
| LTC (up to) | 90% | 85% | 80% | – | – | 80% | – |
| LTV (up to) | 70% | 70% | 80% | 80% | 80% | 75% | 75% |
| Term | 6, 12, 18 mo | 6, 12, 18 mo | 6, 12, 18 mo | 6, 12, 18 mo | 30-year fixed | 12–36 mo | 5, 10, 30 yr |
| Est. closing | 24–48 hrs | 24–48 hrs | 3–5 days | 5 days | 15 days | 14–21 days | 14–21 days |
Rates, points, and terms vary by borrower profile and deal structure, and are subject to underwriting approval. *Non-Dutch interest on Ground-Up Construction and Rehabs over $100k.
Four steps from application to funding
We've removed the friction from investor lending. Here's exactly how it works.
Submit your deal
Tell us about the property, the deal, and your funding goal. Takes under 2 minutes, no obligation.
Review your terms
We show you real rates, terms, and costs up front — no hidden fees, no last-minute surprises.
Upload your docs
Send your purchase contract, scope of work, and basic borrower info. Our team underwrites fast.
Close & get funded
Sign your closing docs and we wire your funds — often within 24 hours to 14 business days.
High Point Fundings vs. Traditional Bank
See why investors choose private capital over slow-moving conventional financing.
| What matters | High Point Fundings | Traditional bank |
|---|---|---|
| Approval basis | Asset & deal-based | Personal income & credit heavy |
| Time to close | 24 hrs–14 days | 45–60+ days |
| Draw process | Fast, in-house review | Slow, third-party inspections |
| Prepayment penalty | None on most programs | Often required |
| Property condition | Distressed / as-is OK | Must meet strict standards |
| Income documentation (DSCR) | Not required | Full documentation required |
Built for how investors actually work
High Point Fundings has helped investors and builders close deals quickly, confidently, and on fair terms.
Fast closings
In-house underwriting means fewer bottlenecks. Most deals close in as little as 24 hours once docs are in.
Transparent pricing
Rates and terms are shown up front. No hidden fees, no last-minute surprises at the closing table.
Asset-based underwriting
We lend on the deal and the property — not just your credit score or two years of tax returns.
Dedicated loan officer
One point of contact from application through closing — no call centers, no getting bounced around.
Flexible draw schedules
Construction and rehab draw requests are processed fast, so your project timeline never stalls.
Multi-market lending
Financing available across a growing footprint of states and metro markets.
I started High Point Fundings to give real estate investors a faster, more transparent alternative to traditional bank financing. As an active investor myself, I understand what it takes to get a deal funded on time — clear terms, fast underwriting, and a lender who actually picks up the phone. Whether you're flipping, building, refinancing, or holding for rental income, I'm here to help structure the right loan for your deal.
Everything you want to know
Still have questions? Call us directly at (972) 802-7521 — a real lender picks up.
What loan programs do you offer?
Fix & flip, new construction, bridge, refinance, DSCR rental, multifamily, and portfolio loans — seven programs built for real estate investors and builders at every stage of a deal.
How much can I borrow?
Up to 90% of cost on fix & flip, up to 85% on new construction, and up to 80% on multifamily acquisitions — plus up to 80% LTV on bridge, refinance, and DSCR rental loans, and up to 75% LTV on portfolio loans. Exact leverage depends on the deal and your experience.
How fast can you actually close?
Fix & flip and new construction loans can close in as little as 24–48 hours once your documents are submitted. Bridge loans close in 3–5 days, and refinance loans in about 5 days. DSCR rental loans typically take about 15 days, while multifamily and portfolio loans take 14–21 days.
Do I need to show personal income?
Not for DSCR loans — those qualify based on the property's rental cash flow. Other programs weigh the deal and your experience more heavily than pay stubs or tax returns.
What states do you lend in?
We lend nationwide, with the exception of a small handful of states we're still onboarding. Reach out with your property location and we'll confirm coverage right away.
What documents do I need to apply?
A purchase contract or current mortgage statement, a scope of work or budget (for rehab or construction), a rent roll or lease (for DSCR, multifamily, portfolio, or a rental refinance), and basic borrower information.
Expanding across the region
High Point Fundings lends nationwide, with a small handful of states coming online soon.
Major metros: Dallas–Fort Worth, Houston, Austin, San Antonio, Oklahoma City.
Get your rate quote today
No hidden fees. No runaround. Just fast, transparent capital from a lender who answers the phone.
(972) 802-7521Call or text our team — 7 days a weekApply online — takes 2 minutes