FUNDING GROWTH.
BUILDING WEALTH.
Fast, flexible loan solutions for real estate investors across 28 states.
What We Offer
Our Loan Programs
Tailored financing solutions built for real estate investors who move fast.
DSCR Loans
Qualify on cash flow, not income
- No personal income verification
- Qualify based on rental income
- Long-term rental properties
- Up to 80% LTV
- 30-year fixed available
Fix & Flip Financing
Fund your next rehab deal fast
- Up to 90% of purchase price
- 100% of rehab costs covered
- Min 660 FICO required
- Fast closings — 5 to 7 days
- Interest-only payments
Ground Up Construction
Build from the ground up
- Min 660 FICO required
- New construction financing
- Draw schedule available
- Single family & multifamily
- Experienced builders welcome
- Competitive rates
Bridge & Hard Money
Speed when opportunity knocks
- No minimum FICO score
- Asset-based lending
- Close in days, not weeks
- Short-term bridge financing
- Commercial & residential
Our Advantage
Why Bay Leaf Funding?
We're built for investors who need speed, flexibility, and a lender that understands the deal.
No Minimum FICO
We evaluate deals on the asset and the numbers — not your credit score. Every investor deserves a shot at the deal.
Business Purpose Only
We specialize exclusively in investor and business purpose loans — no owner-occupied, no consumer loans. Just deals.
Fast Closings
Time kills deals. We close in as little as 5–7 days so you can move with confidence when opportunity arises.
READY TO FUND YOUR NEXT DEAL?
Get pre-qualified today — no obligation, no minimum FICO. Available in 28 states.
GET PRE-QUALIFIED