JNC Funding
Loan Programs

Financing built
around the deal.

A full lineup of investor financing — engineered around the property, the business plan, and the exit. Fast approvals, flexible structures, and capital that keeps up with your pipeline.

Fix & Flip

Up to 100% Purchase & 100% Rehab Financing.

Built for real estate investors who want to acquire, renovate, and resell properties while minimizing upfront cash requirements.

  • Up to 100% of the purchase price
  • Up to 100% of eligible rehab costs
  • Up to 75% of after-repair value
  • Loan amounts $100,000 – $1.25 million
  • Rates as low as 9.99%
  • No-money-down options for qualifying deals
  • Same-day approval options
  • No application fee
  • 9-month term + optional 3-month extension
  • Financing in ~5 to 10 business days
Get a Quote

DSCR Rental Loans

New DSCR Rental Loan Program.

Long-term financing for buy-and-hold investors who qualify primarily through the property's rental income rather than traditional personal-income documentation.

  • Up to 80% purchase or cash-out
  • No tax returns / no income verification
  • No lease required on select programs
  • Short-term & mid-term rentals allowed
  • Multifamily, mixed-use & commercial eligible
  • Second lien DSCR programs available
  • Credit scores starting at 650
Get a Quote

No-Appraisal HELOC

Access up to $750,000 in equity.

A fast, flexible financing option that allows investors to access property equity without completing a traditional appraisal.

  • Credit lines up to $750,000
  • No traditional appraisal
  • Funding in 5 days or less
  • Eligible 1–4 unit investment properties
  • Revolving credit line structure
  • Draw funds as needed
  • Cash out without replacing your first mortgage
  • Not a traditional installment loan
  • Acquisitions, renovations, deposits & working capital
Get a Quote

New Construction

Up to 100% Loan-to-Cost.

Designed for investors and builders financing vertical construction on build-ready residential lots.

  • Up to 100% loan-to-cost
  • Up to 75% improved loan-to-value
  • Financing for build-ready lots
  • SFR, townhomes, condos & 2–4 unit properties
  • Multiple properties per loan (same jurisdiction)
  • First-time builders considered on select programs
  • Credit scores from ~650 on qualifying programs
  • No seasoning of funds on select programs
  • Reduced liquidity requirements may be available
  • Streamlined construction-draw process
Get a Quote

Land Acquisition, Development & Construction

Up to 90% LTC AD&C financing.

Flexible financing for projects involving land acquisition, horizontal development, and vertical construction.

  • Up to 90% loan-to-cost
  • Up to 75% vertical construction financing
  • Up to 60% horizontal post-lot development
  • Terms up to 24 months
  • Raw land, infill lots & subdivision projects
  • Horizontal and vertical development
  • Select programs: up to 100% land + 100% construction
  • One relationship from land through construction
  • For experienced developers & builders
Get a Quote

Spec Builder Credit Line

Reusable facility up to $5 million.

A reusable construction-financing facility for builders who want ongoing access to capital without applying for a completely new loan for every project.

  • Credit facilities up to $5 million
  • Up to 100% loan-to-cost on qualifying projects
  • One approval — up to 5 years of access
  • Revolving capital across multiple projects
  • Finance eligible land and vertical costs
  • 1–4 unit and multifamily spec projects
  • Business-purpose financing
  • Keeps a pipeline of projects moving
  • Additional horizontal-development capital available
Get a Quote

30-Year Build-to-Rent

Single-close construction + permanent up to 95% LTC.

Single-close construction and permanent financing for investors building residential properties to hold as long-term rentals.

  • Loan amounts $150,000 – $3 million
  • Up to 95% loan-to-cost
  • Single-close construction + permanent
  • 30-year fixed-rate financing
  • Designed for 1–4 unit rental properties
  • Transition seamlessly to permanent rental financing
  • No separate permanent-loan closing
  • Ideal for BTR investors & portfolio expansion
Get a Quote

Multifamily & Mixed-Use

Financing up to $8 million.

Flexible capital for larger acquisitions, value-add opportunities, multifamily properties, and eligible mixed-use projects.

  • Financing up to $8 million
  • Up to 75% loan-to-cost
  • Up to 100% of eligible rehab costs
  • No-point options on select programs
  • Acquisition and rehabilitation financing
  • Multifamily and mixed-use properties
  • For experienced investors and sponsors
  • Repositioning and value-add business plans
  • Flexible structures by property and scope
Get a Quote

Don't see your scenario?

We structure custom private-lending solutions for serious investors.

Submit Your Deal

All loan amounts, rates, leverage levels, timelines, and program features are subject to property eligibility, borrower qualifications, underwriting approval, market conditions, and lender guidelines. Certain features are available only through select programs and are not guaranteed.