Top 12 Fix-and-Flip & Bridge Lenders Offering Up to 90% LTC + 100% Rehab Holdback
High-velocity rehabbers and BRRRR investors maximize return on equity by pairing 85%–90% Loan-to-Cost (LTC) on acquisition with 100% of vertical renovation costs funded in Dutch or non-Dutch draw holdbacks (capped at 70%–75% of After-Repair Value). Here are the top 12 RTL and bridge lenders in our 2,404-lender index.
Methodology & Redaction Notice: Ranked by maximum Purchase LTC %, Rehab Holdback %, ARV ceiling, draw inspection turnaround time, and Dutch vs. Non-Dutch interest accrual. Wholesale conduit names are anonymized on direct origination portals; submit your scenario below to lock the #1 matching shelf.
| Rank | Wholesale Capital Shelf | Max Purchase LTV | Max Cash-Out LTV | Min DSCR | STR / AirDNA | Active States | Action |
|---|---|---|---|---|---|---|---|
| #1 | Institutional Capital Shelf #1 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Chandler, AZ | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #2 | Institutional Capital Shelf #2 (RTL Conduit) RTL / Bridge, Construction & DSCR Private Lender · Emeryville, CA | 80% | 80% | 0.75x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #3 | Institutional Capital Shelf #3 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Chicago, IL | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #4 | Institutional Capital Shelf #4 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Charlotte, NC | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 46 States | Match Shelf → |
| #5 | Institutional Capital Shelf #5 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Irvine, CA | 85% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #6 | Institutional Capital Shelf #6 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Irvine, CA | 75% | 70% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #7 | Institutional Capital Shelf #7 (RTL Conduit) RTL / Fix & Flip / Hard Money Lender · Strongsville, OH | 80% | 75% | No-Ratio (0.00x / <1.00x) | LTR & Mid-Term | 15 States | Match Shelf → |
| #8 | Institutional Capital Shelf #8 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Anaheim, CA | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #9 | Institutional Capital Shelf #9 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Austin, TX | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #10 | Institutional Capital Shelf #10 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · National Desk | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 48 States | Match Shelf → |
| #11 | Institutional Capital Shelf #11 (RTL Conduit) RTL / Fix & Flip / Hard Money Lender · Irvine, CA | 80% | 75% | 0.8x | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #12 | Institutional Capital Shelf #12 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · South Windsor, CT | 80% | 75% | 1.0x | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
Have a Competing Term Sheet? Kick It Against All 2,404 Lenders
Our underwriting desk compares your property scenario across 2,404 wholesale, Non-QM, and private lenders to beat your rate, LTV, or prepayment penalty structure.