Who this is built for
Builders and developers taking a project from dirt to finished.
A transaction of this shape
Illustrative example, not a past transaction. A developer had land and permits for a $1,000,000 fourplex build but the bank wanted full income docs. We funded up to 92.7% of cost in draws; he built, leased, and refinanced into a 30-year DSCR loan at completion.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- Credit 660+
- Architectural plans, permits, licensed GC
- 0–20% down (experience improves terms)
What usually rules a file out
- No plans/permits
- No builder lined up
- First-timer with no team and no equity
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Run a construction budget →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- The property address, and the purchase contract if it is under contract
- A scope of work and budget, where the plan involves construction or renovation
- A rent roll and leases, where the property produces income
- Recent mortgage statements and insurance, where there is existing debt
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Bridge-to-permanent: timing the capital stack
Bridge capital is a tool for a moment, not a home for the asset. The deals that work plan the exit to permanent financing on day one.
Structuring certainty of close into an acquisition offer
Sellers don't always take the highest offer. They take the one they believe will actually close. Here's how to make yours that offer.
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.