DSCR, Hard Money & Bridge Loans for Real Estate Investors
AI-Accelerated Underwriting. Term Sheet in Minutes. Close in 5 Days.
Direct lender for non-owner-occupied investment properties nationwide. No tax returns. No W2s. No income verification. Whether you are buying a rental, flipping a house, or refinancing a portfolio, our AI-powered underwriting platform delivers a real term sheet — not a maybe — in minutes, so you can close before your competition gets a callback.
Funded for Real Estate Investors
Active Broker Partners
Average Close Time
Licensed in CA & FL
AI-Powered
Banks Want Your Tax Returns. We Want to Fund Your Deal.
Traditional banks were not built for real estate investors. They want two years of tax returns, W-2s, paystubs, debt-to-income ratios, and 45 days of underwriting — only to decline the deal that mattered most because the property is non-owner-occupied or held in an LLC.
New Century Lending was built differently. We are a direct private lender focused exclusively on business-purpose loans for real estate investors. Our AI-powered underwriting platform evaluates the deal on what actually matters — the property’s value, the projected cash flow, and the investor’s track record — and returns a real, fundable term sheet the same day you apply.
- Decision in minutes, not weeks.
- Close in five days.
- No income verification.
- 100% In-House
Loan Programs
DSCR Loans
Qualify on the property’s cash flow, not your tax returns. No personal income documentation. Up to 80% LTV. 30-year fixed, ARM, and interest-only options. Vesting in LLC, LP, or personal name accepted. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
Portfolio Loans
Consolidate five or more rental properties into a single loan. One payment, one closing, one set of conditions. Lower rates and origination fees than financing each property separately.
Hard Money / Asset-Based Loans
Loan decisions made on the property, not the credit report. Pure asset-based underwriting with rapid close. For time-sensitive acquisitions and complex situations. Rates from 8.5%.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add financing. Bridge-to-perm structures available. Loan amounts from $250,000 to $25,000,000+.
All Our Loans Are Business-Purpose Non-QM Loans
Every loan we originate is a business-purpose Non-QM loan on non-owner-occupied investment property. That means none of our products require the tax returns, W-2s, paystubs, or debt-to-income analysis that conventional and QM mortgages require.
If you have searched for a “Non-QM lender” or wondered whether DSCR, bridge, hard money, or portfolio loans qualify as Non-QM, the answer is yes. They are the most common types of business-purpose Non-QM loans, and they are exactly what we do.
We do not originate consumer Non-QM loans. Our Non-QM programs are exclusively for real estate investors, LLC borrowers, and business-purpose financing on investment property.
Five Minutes to Pre-Approval. Five Days to Close.
Our process is engineered to move at the speed real estate investors need to operate.
Apply in five minutes
Answer ten questions about the property and the deal. No tax returns. No paystubs. No paperwork.
AI underwriting in real time
Our platform pulls property data, comparable sales, rent comps, and market trends, then runs the deal through 20+ underwriting checks in seconds.
Real term sheet, same day
You receive a fundable term sheet with rate, points, LTV, and conditions — backed by upfront underwriting, not a sales pitch.
Close in five days
Title, appraisal, and closing run in parallel. Our in-house team manages every step. Most bridge and DSCR loans wire in five business days.
Fast Approval
Ready to Close Your Next Deal?
Get a real term sheet in five minutes. No income verification. No tax returns. Direct lender — funded by us, underwritten by us, closed by us.
Broker & Partner Program
Wholesale & White-Label Lending Built for Brokers
Mortgage brokers, MCA brokers, and real estate professionals: stop sending your investor clients to lenders that take their relationship and never call them back. The New Century Lending broker program lets you offer DSCR, bridge, hard money, and commercial loans under your brand, with our capital, our underwriting, and our technology behind the curtain.
100% Free White Label Platform
Full-featured loan origination system with your branding. No setup fees, no monthly costs. Your logo, your client relationships.
Earn Ongoing Revenue
Competitive commissions on every funded loan plus ongoing servicing income. Volume bonuses for top producers.
Instant Online Approval
Give your clients instant conditional approvals and proof of funds letters 24/7 through your branded portal.
Reliable Capital Access
$500M+ in lending capacity. Direct lender with in-house underwriting and funding. We never say no to good deals.
Own the Client Relationship
You remain the primary contact. We provide back-office support, underwriting, and funding—invisible to your clients.
Real-Time Dashboard
Track your pipeline, commissions, and client loans in real-time. Automated reporting and commission tracking.
$1.2B+
Partner Loan Volume in 2024
500+
Active Broker Partners
Direct
lender capital, never table-funded
5 Day
Average Close
What’s Included in Your White-Label Platform:
Custom Branding
Your logo, colors, and domain
Loan Origination System
Full LOS with automated workflows
Document Management
Secure upload, e-signatures, storage
Instant Rate Quotes
Real-time pricing engine
POF Letter Generator
Instant proof of funds 24/7
Pipeline Management
Track all deals in one place
Commission Tracking
Automated payment tracking
Training & Support
Onboarding, webinars, dedicated rep
Ready to Scale Your Business?
Join 500+ partners who trust us to fund their clients’ deals
Latest News
From The Blog
Clear to Close with Jennifer Cabrera
Straight talk on commercial mortgages — insights and tips to get your deal done.
Why Our Term Sheets Actually Mean Something: The Technology Behind New Century’s Upfront Underwriting
By Jennifer Cabrera | Founder, New Century Lending LLC | Clear to Close with Jennifer Cabrera The dirty secret of private lending? Most hard money term sheets aren’t worth the paper they’re printed on. You’ve seen it before. A borrower gets excited about a term sheet,…
Why Mortgage Rates Go Up When the Fed Cuts Rates
What Every Borrower and Broker Needs to Know About How Rates Really Work By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Lending LLC The Fed just cut rates. So why did your mortgage rate go UP? If you’ve been waiting for the Federal Reserve to lower…
Understanding Mortgage Lending Channels
Understanding Mortgage Lending Channels Direct Lending, Correspondent Lending, Table Funding, and White Label Solutions By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Lending LLC When you’re shopping for a mortgage or considering becoming a mortgage…
First-Time Commercial Buyer? Here’s What to Expect
First-Time Commercial Buyer? Here’s What to Expect Buying your first commercial property is exciting—and a little intimidating. The process works differently than residential real estate, and knowing what to expect will help you navigate it with confidence. Longer…