Fix & Flip
Purchase and rehab on 1–4 unit residential, condos, townhouses, and small multifamily.
- Purchase, experienced
- up to 90%
- Purchase, first-timer
- 80%
- Rehab
- 100%
- Max ARV
- up to 75%
- Loan size
- $115K–$8M
- Term
- to 18 mo
- Min FICO
- 620 / 650
Why Sonny's
I'm not a call center. I've swung the hammer, held the licenses, and built the platform that finds these deals.
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Licensed general contractor since 2012
I can tell you whether a rehab budget is real before a lender ever sees it.
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Held Maryland real estate and mortgage broker licenses
I got the mortgage license because deals kept dying on verbal approvals nobody had verified.
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I run DMVDealFlow
A distressed property platform covering 15 DMV jurisdictions and over 2 million parcels. I find the deals, I fund them, and my crews can do the work.
What we fund
Five programs. Pick the one that fits on the form below, or describe the deal and I'll place it.
Bridge
Single-family, multifamily, mixed-use, condos, and townhomes. No experience required — the most accessible program on the menu, and the one to ask about if you're doing your first deal.
- Purchase cost
- 75%
- Rate-and-term refi
- 70%
- Cash-out refi
- 65%
- Loan size
- $115K–$8M
- Term
- to 18 mo
- Min FICO
- 620
- Experience
- none required
Ground-Up Construction
Single-family, multifamily, mixed-use, condos, and townhomes. Experience required.
- Land & purchase cost
- 65%
- Construction cost
- 100%
- Finished value
- up to 65%
- Loan size
- $300K–$8M
- Term
- to 24 mo
- Min FICO
- 650
- Experience
- required
Rental / DSCR
Qualifies off the property's cash flow, not your tax returns. SFR through 8 units.
- Rates from
- 6%
- Purchase
- 80%
- Refinance
- 75%
- Loan size
- $150K–$3.5M
- Term
- 30 yr
- Min FICO
- 640
- Min DSCR, purchase
- 0.75
- Time to close
- ~30 days
Multifamily & Mixed-Use
Up to 50 units.
- Purchase or as-is value
- 75%
- After-repair value
- 65%
- Loan size
- $300K–$8M
- Term
- 12 mo
- Min FICO
- 670
- Max units
- 50
Rates run from 8% with points, from 9.99% with no points on the short-term programs. Closings run 7 to 15 business days on everything but the rental product.
Rates, terms, and program parameters are subject to change and vary by program, property, and borrower. Nothing here is a commitment to lend.
How it works
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Send me the deal
Address, purchase price, rehab budget, and your exit. The form below is enough to start.
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I tell you straight
I've built these budgets myself. If the numbers don't work, you'll hear it from me before you spend money on it.
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Your file goes out
I package the file and take it to the programs that actually fit the deal and your experience level.
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You close
Short-term programs run 7 to 15 business days. Rental files take about 30.
What you'll need
You don't need all of it to start a conversation — but this is what a file takes to close.
- Property under contract A ratified contract, or one you're about to sign.
- 15–25% in the deal Your own capital toward purchase and closing costs.
- Scope of work Line-item rehab budget. I'll tell you if it's short.
- Exit strategy Sell it or refinance into a hold. Either works — pick one.
- Entity docs LLC, corporation, or trust. Loans don't close in your personal name.
- Non-owner-occupied Investment property only. You can't live in it.
Send me your deal
Three required fields. Everything else helps me price it faster — skip what you don't have yet.
Deal carried over from DMVDealFlow
Your deal is in.
I'll read it myself and come back to you with a straight answer — typically the same business day.
If it's urgent, call 301-648-3181.