Capital for your next flip, build, or rental — decided in-house, not outsourced.
Professional Service Holdings funds fix and flip, ground‑up construction, and rental investment loans nationwide, with underwriting, closing, and servicing handled under one roof so deals keep moving.
Fix and flip, ground up & stabilized
Single property & portfolios
Loan programs built around how investors actually work
Two categories of business-purpose financing, each with the terms that matter to an investor spelled out up front — no buried qualification calls.
Fix and Flip
Starting at 8.25%*A reliable funding source to purchase, renovate, and rent or sell 1–4 unit homes.
Ground Up
Starting at 8.99%*Flexible, competitive financing to build new 1–4 unit homes.
- Up to 75% of the lower of land value or purchase price (60% if unpermitted), plus 100% of construction
- Max 85% of total project costs (90% if an interest reserve is financed)
- LTC Catch-Up Draw available to raise the initial advance to 75% once required plans and permits are approved post-closing
Stabilized Bridge
Starting at 8.25%*Short-term financing for rent-ready properties with no planned renovations, available in two structures.
High FICO Fix & Flip Program
For first-time flippersDesigned for first-time or inexperienced flippers with strong credit but no track record — higher leverage than the standard program, with no experience requirement.
Single Property Rentals
Starting at 5.39%*A reliable long-term funding source for landlords against cash-flowing 1–4 family homes.
- 30-year fixed rate mortgage, fully amortizing or partial interest-only
- 5/6, 7/6, and 10/6 hybrid ARMs, partial interest-only or fully amortizing
- Leased units: lower of in-place rent and market rent
- Unleased units: 100% of market rent (purchase loans only, or one unit of a 2–4 unit refinance)
Rental Portfolios
Starting at 5.39%*Flexible blanket financing for landlords growing a portfolio of 1–4 family rental properties.
- 30-year fixed rate mortgage, fully amortizing or partial interest-only
- 5/6, 7/6, and 10/6 hybrid ARMs, partial interest-only or fully amortizing
- Portfolios ≤ $2MM and ≤ 10 properties: 1.05x (Gross Rent / PITIA)
- All other portfolios: 1.20x (Net Cash Flow / Debt Service)
- Minimum occupancy rate of 90% by unit count
- Leased units: lower of in-place rent and market rent
- Unleased units: 100% of market rent (purchase loans only)
How it works
From application to funding, in three steps.
Apply
Submit your deal information to get started.
Get Approved
Fast underwriting and approval process, handled in-house.
Get Funded
Our team works to close and fund your deal quickly.
Tips for first-time fix & flip investors
A few things experienced investors wish someone had told them on deal one.
Start with manageable projects
Cosmetic renovations like paint, flooring, and kitchens are easier to manage and still add meaningful value — save major structural rehabs for once you have a completed flip under your belt.
Run your numbers conservatively
Use recent comps from the last 3–6 months to estimate after-repair value, add a 10–15% cushion to your rehab budget, and factor in carrying costs like taxes, utilities, and insurance.
Lean on your lender as a resource
A good lending partner offers more than funds — market insight can help you avoid common first-time pitfalls.
Study the neighborhood, not just the house
Resale speed, rental demand, and upcoming development can matter as much as the renovation itself.
Stay organized
Keep contractor bids, receipts, and progress photos on hand — lenders often need this for draw releases, and having it ready speeds up funding.
Plan for the next deal
Completing your first flip builds both experience and a track record with a lender who can support your next project.