LOAN PROGRAMS
At Alpha Lending, our mission is to help real estate investors find the perfect financing for their next commercial or investment property. Explore our core lending products below. Each program has its own page if you’d like all the details, from underwriting requirements to step-by-step processes.
LOAN PROGRAMS
At Alpha Lending, our mission is to help real estate investors find the perfect financing for their next commercial or investment property. Explore our core lending products below. Each program has its own page if you’d like all the details, from underwriting requirements to step-by-step processes.
Featured Loan Programs
Bridge Loans
“Short-Term Financing for Acquisition or Refinance.”
Our Bridge Loans provide fast, short-term financing to secure a property while you finalize permanent funding or await a sale. Perfect for when you need to move on a deal quickly without tying up long-term debt.
Key Highlights:
Term Length: Typically, 6-12 Months
LTV: Up to 80% (Subject to property type & Credit
Close Time: As few as 7-14 days
Ideal For: Investors needing interim funds to snatch a property before permanent financing is set
Basic Qualification Tips:
Collateral Value: We look at the property's current or as-is value.
Exit Strategy: A clear plan to refinance or sell helps ensure approval.
Credit Score (if relevant): Usually 600+; flexible if asset-based
Fix & Flip
“Rapid Access to Capital for Renovations.”
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Key Highlights:
Term Length: Typically, 6-12 Months
LTV: Up to 80% (Subject to property type & Credit
Close Time: As few as 7-14 days
Ideal For: Investors needing interim funds to snatch a property before permanent financing is set
Basic Qualification Tips:
Collateral Value: We look at the property's current or as-is value.
Exit Strategy: A clear plan to refinance or sell helps ensure approval.
Credit Score (if relevant): Usually 600+; flexible if asset-based
DSCR Loans
“Stable Funding for Multi-Family and Office Properties.”
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Key Highlights:
Term Options: Up to 30 years, interest-only or amortized
LTV: 70-80%, typically
Focus: The property's income covering monthly payments
Best For: Investors growing a rental portfolio with minimal personal income verification
Basic Qualification Tips:
DSCR Threshold: Commonly 1.2+ (rental income ÷ monthly mortgage ≥ 1.2)
Property Condition: Must meet minimum habitability.
Credit Score: Usually, 620+ or depends on DSCR ratio.
Transactional Funding
“Seamless Same-Day Closes.”
Receive funds with no underwriting and minimal documentation for 2 Points. That’s it! No hidden fees. If the deal doesn’t close, then you owe us nothing! Because of our proprietary process, we’ve found a way to be: Good, fast and cheap.
Commercial Loan
“Stable Funding for Multi-Family and Office Properties.”
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Why Choose Alpha Lending?
Speed & Efficiency
“Close on your timeline—days, not weeks or months. Our lean process ensures minimal red tape.”
Expert Guidance
“Our advisors understand real estate investing inside and out, providing solutions for even the trickiest deals.”
Flexible Terms
“From short-term bridging to longer-term mortgages, we tailor each loan to meet your goals.”
Nationwide Reach
“We proudly serve investors across numerous states, supporting every step from offer to final closing.”
Tools to Pre-Qualify
Curious about monthly payments on your DSCR, Bridge Loan, or other investor-related math?
Our quick, easy to use estimators and calculators have you covered..
Estimate your monthly costs in seconds.
Check rental income vs. mortgage obligations at a glance.
Tailored Solutions
If you don’t see a perfect fit in our main programs, reach out—we often customize terms for unique scenarios, from transitional commercial mortgages to specialized partner buyouts to detail your project and timeline.
3 Steps to Get Funded
Apply
Fill out our quick online form to detail your project and timeline.
Get Approved
Our team reviews your submission, verifying property and strategy.
Close & Fund
Sign documents, receive funds, and leverage our ongoing support.
Not Sure Which Loan Fits Your Project?
Let’s Chat.
208-854-1122
3379 N Lakeharbor Ln, Boise, ID
83703, United States
GET A FREE INSTANT
LOAN ESTIMATE
Alpha Lending LLC’s rates and loan terms are subject to change without notice and may vary based on factors such as creditworthiness, loan amount, and applicable regulations. Loan availability is not guaranteed and depends on qualification requirements, with certain products and services not available in all states or jurisdictions. Alpha Lending LLC adheres to all relevant federal, state, and local laws, including the Truth in Lending Act (TILA) and the Equal Credit Opportunity Act (ECOA), ensuring compliance with lending and consumer protection standards. All loan offers are contingent on approval and subject to change.
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