Elite Private Lending
Financing arranged by an operator, for operators.
Fix & flip, bridge and DSCR rental loans for real estate investors in 48 states. Tell us about the deal in a few minutes and get a term sheet.
Talk to Our Team
Investment properties only. No personal loans and no loans on your own home.
Loan programs
Term sheets typically within 24–48 hours
| Program | Leverage | Term | Good to know |
|---|---|---|---|
| Fix & Flip | Up to 100% loan-to-cost | 12 months | For investors with 10+ deals in the past 36 months |
| Bridge | Up to 75% loan-to-value | 12 months | 70% on loans over $2M |
| DSCR Rental | Up to 80% LTV purchase, 75% cash-out | Long term | 1–10 units · minimum credit score 660 |
| 10+ Units | Send us the deal | Ask | We’ll tell you directly whether it fits |
Why Elite Private Lending
Built by an operator.
Martin Perdomo has closed 200+ real estate transactions and operates 125 doors in Tampa Bay and Northeast Pennsylvania. He uses this kind of capital in his own portfolio.
Structured around the deal.
Purchase, rehab, refinance, hold. We help you match the loan to the business plan, not the other way around.
A real team behind the form.
Your request goes straight to Martin’s team and our lending partner. You get a response from people, not a ticket number.
Good deals die in financing.
You found the property. The numbers work. Then the bank wants two years of tax returns, takes six weeks to answer, and still doesn’t understand the business plan. The seller moves on.
Most lenders see a loan application. We see a deal, because we have been on your side of the table more than 200 times.
What each loan is for
Purchase, rehab, refinance, hold. We help you match the loan to the business plan, not the other way around.
Fix & Flip
12-month term
100%
Up to, loan-to-cost
Short-term financing to buy and renovate, built for investors who add value and sell.
- Up to 100% loan-to-cost for investors with 10+ deals in the past 36 months
- 12-month term
Bridge
12-month term
75%
Up to, loan-to-value
Move fast now, then refinance or sell later. For deals that can’t wait for a bank.
- Up to 75% loan-to-value (70% on loans over $2M)
- 12-month term
DSCR Rental
1–10 units · long term
80%
Up to, loan-to-value on purchases
Long-term rental financing based on the property’s rent, not your personal income. Built for buy-and-hold investors and BRRRR refinances.
- Minimum DSCR 0.75 for 1–4 units, 1.00 for 5+ units
- Up to 80% loan-to-value on purchases and rate-and-term refinances, 75% on cash-out
- Minimum credit score 660
Larger apartment building, 10+ units?
We’ll tell you directly whether it fits a program we can offer.
Run your numbers.
See roughly how a deal could pencil out under each program before you ask for a term sheet. Move the sliders; the numbers update as you go.
The calculator needs JavaScript. You can still get real numbers: request a term sheet and we’ll send them in writing.
Estimated loan amount
$0Loan Your cash
- Your cash in the deal
- $0
- Monthly interest-only payment
- Add a rate
- Interest over the hold
- Add a rate
- Profit before selling costs
- Add a rate
Estimated loan amount
$0Loan Your equity
- Equity that stays in
- $0
- Monthly interest-only payment
- Add a rate
- Interest over the term
- Add a rate
- Leverage cap that applies
- 75%
Estimated loan amount
$0Add a rate to see your DSCR: the rent divided by the monthly payment, taxes, insurance and HOA.
- Down payment / equity
- $0
- Principal & interest (30-yr)
- Add a rate
- Total monthly (PITIA)
- Add a rate
- Minimum DSCR
- 0.75
Estimates for illustration only, based on the numbers you enter. Not an offer, a commitment to lend or a rate quote. They leave out closing costs, points, fees and reserves. Actual terms depend on underwriting, credit and the property, and are set out in your term sheet.
How it works
Tell us about the deal.
A short online form: the property, the plan and the numbers.
Get a term sheet.
Your proposed loan terms, in writing, typically within 24 to 48 hours.
Underwriting and appraisal.
The lender verifies the property and the plan.
Close and fund.
Typically between 7 and 60 days, depending on the loan.
Capital is a tool. Structure is the strategy.
In 2025, Martin bought a 6-unit building in Old Forge, Pennsylvania for $335,000 and put about $95,000 into it. Six months later it appraised at $850,000. The refinance returned about $105,000 more than his all-in cost and left roughly $315,000 of equity in the building.
That is the playbook: buy right, add value, refinance, repeat. The financing is part of the plan from day one.
Old Forge, Pennsylvania
6 units · bought 2025 · Martin’s own deal
- Purchase price
- $335,000
- Put into the building
- about $95,000
- Appraised, six months later
- $850,000
- Refinance, above all-in cost
- about $105,000
- Equity left in the building
- roughly $315,000
Martin’s own deal, shown as an example of strategy. It was not financed through Elite Private Lending. Past results do not guarantee future results.
What to have ready
- The property address and purchase price, or the contract
- Your rehab budget and scope, for flips and bridge loans
- Current or projected rents, for DSCR loans
- Your LLC or entity information, if you have one
- A short summary of deals you’ve done before
- Your title company, your insurance agent and, if needed, a point of contact for the appraiser
Who it’s for
For
Investors buying, renovating or refinancing non-owner-occupied investment property anywhere in the U.S. except North and South Dakota. That includes first-time investors.
Not for
Primary residences, second homes, personal loans or consumer credit.
Frequently asked questions
Is Elite Strategies Consulting Group the lender?
No. We arrange financing through our lending partner. You work with our team from the first conversation, and the loan is made by the lender.
Can I qualify without W-2 income?
Yes. For DSCR rental loans, qualification is based on the property’s rental income, not your personal income.
Do you work with first-time investors?
Yes, with certain conditions. Tell us about your deal and your experience, and we’ll tell you what applies.
Does requesting a term sheet affect my credit?
Requesting a term sheet does not by itself mean we pull your credit. Whether and when credit is reviewed depends on the loan, and it happens later in the process.
How fast can I close?
Typically between 7 and 60 days, depending on the loan program and the deal.
Do I need an LLC?
Not necessarily. If you want to run your portfolio like a professional operator, we strongly recommend one. Setting up that structure is part of what Martin covers in coaching and consulting.
Which states do you lend in?
Every state except North Dakota and South Dakota.
What about apartment buildings over 10 units?
Send us the deal. We’ll tell you directly whether it fits a program we can offer.
The right deal deserves the right capital.
Tell us what you’re buying. We’ll show you how to fund it.
Get a Term SheetPrefer to talk first? Call 570-634-0000 or email [email protected].