Principal-led financing from $1M to $20M+ for ground-up construction, bridge, Residential Transitional Loans, recapitalization, and DSCR/Non-QM requests. Underwritten in-house against collateral, basis, scope or budget, title, timing, and exit.
Submit a dealThe people who sign off on the loan read the file. No credit committee, no waiting on a bank.
We read the plans, the budget and the draw schedule first, then the sponsor's balance sheet.
Terms, reporting and draws are set up for sponsors who close with us more than once.
Our own credit facility and in-house decisions mean a roughly two-week close — a straight path from term sheet to funding.
Every request gets read against the plan set, the budget and draw schedule, the collateral, the takeout, and the sponsor's track record.
A sample of loans we have originated. Leverage, construction budget and ARV are as underwritten at origination. Sponsor names withheld. See all published transactions.
New construction from site work to completion.
Commercial and mixed-use construction for experienced sponsors.
Short-term loans for acquisitions, payoffs and projects waiting on a takeout.
Recapitalization and refinance for completed or stabilizing assets.
Business-purpose loans on residential property: buy, renovate or finish, then sell or refinance into a DSCR loan.
DSCR and bank-statement loans for residential investors who don't fit agency guidelines. Business-purpose only.
For lenders and capital providers: co-lending, takeouts, correspondent flow and loan purchases on our construction, bridge, RTL and DSCR loans.
Send it with the payoff or closing date and we'll tell you if it fits.
Submit a dealRelated pages: construction and bridge · ground-up construction · RTL financing · bridge financing · DSCR investor loans · capital partners.
Indicative only. Not a quote or commitment to lend. Final limits are set per loan.
Since 2021, Optimal Lending has originated more than $319.3M across 161 construction, bridge, RTL, recapitalization and investor transactions in California, Hawaii and other markets, including transactions arranged with capital partners.
We fund loans directly and with capital partners. We work with sponsors directly, and with brokers, correspondents and other lenders.
Submit a dealTen years in real estate credit. Runs underwriting, structuring and our capital relationships.
Runs origination and Non-QM.
Corporate operations.
Loan processing and closings.