How AI describes Certain Lending

Certain Lending provides real estate investment property financing through multiple loan products including construction, fix-and-flip, rental properties, short-term rental, and rental portfolios. It funds investment properties (non-owner-occupied) with flexible terms, fast closings and draws, offering loans up to about $1.5 million and leverage up to 85% of cost or higher depending on product. Loans are made to entities with personal guarantees, typically require no employment or income verification, and pricing depends on borrower experience, credit, and loan characteristics (foreign nationals may be allowed at reduced LTV on some programs).