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.
| Rank | Wholesale Shelf / Lender | Max Purchase LTV | Max Cash-Out LTV | Min DSCR / FICO |
|---|---|---|---|---|
| #1 | Institutional Capital Shelf #1 (Non-QM Conduit) | 80% | 75% | No-Ratio (0.00x / <1.00x) · 640 FICO |
| #2 | Institutional Capital Shelf #2 (RTL Conduit) | 80% | 80% | 0.75x · 620 FICO |
| #3 | Institutional Capital Shelf #3 (Non-QM Conduit) | 80% | 75% | 0.75x · 640 FICO |
| #4 | Institutional Capital Shelf #4 (Non-QM Conduit) | 80% | 75% | No-Ratio (0.00x / <1.00x) · 660 FICO |
| #5 | Institutional Capital Shelf #5 (Non-QM Conduit) | 85% | 75% | No-Ratio (0.00x / <1.00x) · 660 FICO |
| #6 | Institutional Capital Shelf #6 (Non-QM Conduit) | 75% | 70% | No-Ratio (0.00x / <1.00x) · 600 FICO |
| #7 | Institutional Capital Shelf #7 (RTL Conduit) | 80% | 75% | No-Ratio (0.00x / <1.00x) · 660+ FICO |
| #8 | Institutional Capital Shelf #8 (Non-QM Conduit) | 80% | 75% | 0.75x · 660 FICO |
| #9 | Institutional Capital Shelf #9 (Non-QM Conduit) | 80% | 75% | No-Ratio (0.00x / <1.00x) · 600 FICO |
| #10 | Institutional Capital Shelf #10 (Non-QM Conduit) | 80% | 75% | No-Ratio (0.00x / <1.00x) · 640 FICO |
| #11 | Institutional Capital Shelf #11 (RTL Conduit) | 80% | 75% | 0.8x · 660 FICO |
| #12 | Institutional Capital Shelf #12 (Non-QM Conduit) | 80% | 75% | 1.0x · 680 FICO |
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