Financing that closes like cash.

Fix & flip, construction, bridge, and rental loans for residential investors. Apply in five minutes, see your quote within 24 hours, and close in about ten business days.

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Seven programs. One platform.

From a first flip to a ten-property portfolio, every loan runs through the same fast, transparent process. Loans from $100K on residential real estate, nationwide.

Fix & Flip

Buy and renovate residential up to 10 units — 30 case by case — with the rehab 100% financed.

  • Up to 92.5% loan-to-cost
  • Up to 75% of after-repair value
  • 6, 12, or 18-month terms, interest-only
  • Close in as little as 5 business days

Construction

Ground-up capital for single-family, townhomes, and ADUs.

  • Up to 85% loan-to-cost
  • Up to 65% of completed value
  • Draws funded in as little as 1 business day
  • No prepayment penalties

Bridge

Multi-year runway between buying, stabilizing, and your next move.

  • Up to 75% loan-to-value
  • Up to 65% on cash-out
  • Multi-year terms
  • No prepayment penalties

Rental

Long-term financing for single-family and multifamily rentals.

  • Up to 80% loan-to-value
  • Up to 75% on cash-out
  • DSCR from 0.75
  • Low or no prepayment penalty options

Short-Term Rental

Purpose-built for Airbnb, VRBO, and similar listings.

  • Up to 75% loan-to-value
  • Up to 70% on cash-out
  • Single-family & multifamily
  • Low or no prepayment penalty options

Rental Portfolio

One facility for three or more rental properties.

  • Up to 75% loan-to-value
  • Up to 70% on cash-out
  • Minimum of 3 properties
  • Low or no prepayment penalty options

Bank Statement

Qualify on bank statement analysis, with 30-year terms.

  • Up to 80% loan-to-value
  • 30-year term, competitive pricing
  • Qualification via bank statement analysis
  • Low or no prepayment penalty options

Loan amounts from $100K · Lending to LLCs & entities · 680+ FICO, soft pull only · 1–10 unit residential (up to 30 case by case) · Nationwide except ND, NV, SD, VT & WV

Application to funded, in four steps.

Apply

Five minutes, online.

One short application at loans.fullstacklending.com. No sending documents back and forth multiple times via email, no phone tag, and only a soft credit pull, so your score never takes a hit.

Quote

Terms within 24 hours.

Your quote lands in the portal within a day — leverage, pricing, and structure, ready to take to the seller.

Close

Funded in about 10 business days.

Upload each document once and track every milestone in the portal. Our average close runs about ten business days, so your offers can compete with cash.

Build

Draws in as little as 1 day.

On renovation and construction loans, request draws from the portal. Virtual inspections take 1–3 business days, funds arrive in as little as one — and you pay no interest on undrawn funds.

Upload once. Never dig through email again.

Every loan runs through the Fullstack portal. Your application, documents, quote, closing timeline, and draw requests live in one place — not scattered across email threads. No more re-sending the same bank statement for the third time.

  • Apply in about five minutes
  • Every document stored, tracked, and requested in one place
  • Real-time status at each milestone
  • Draw requests and virtual inspections, fully online
Open your account

Built by investors who've sat on your side of the table.

Investor-built

Fullstack was started by operators who've flipped, built, and held hundreds of properties — and borrowed from plenty of lenders along the way. We built the lender we always wanted across the table.

Institutional capital

Every loan is funded with institutional capital, so an approval means what it says. No thin balance sheet, no eleventh-hour surprises at the closing table.

Modern from day one

No legacy systems, no committee bottlenecks. One portal, clear criteria, and underwriting that applies data where it helps and judgment where it counts.

Operators first. Lenders second.

Leka Devatha

Managing Partner

Leka is a Seattle-based developer, investor, and broker, and the President of Rehabit Homes. Over 12 years she has led hundreds of transactions and more than $150M in residential and commercial development, with over 200 deals as a principal. She hosts the Real Estate At Work meetup, is the author of Return on Real Estate, and has spoken at BiggerPockets Conference and MFIN Con.

Fullstack exists because she borrowed from a lot of lenders across countless flips — and decided the pain points deserved fixing.

Kunaal Kumar

Managing Partner

Kunaal Kumar is the General Partner of Bozeman Capital Partners, where he manages more than $80M invested in short-term, first-lien loans to residential real estate investors. Through Bozeman, he has worked with hundreds of real estate loans and saw firsthand how much of the lending process remained manual and inefficient. That experience led him to partner with Leka to build Fullstack Lending, a business-purpose real estate lender that combines technology with lending expertise to deliver a faster, more transparent borrowing experience.

A former Meta software engineer with a background in computer science and quantitative finance, Kunaal applies systems, data, and automation to private credit, covering risk analytics, portfolio management, and capital raising across both firms.

FAQs

The fine print, in plain language.

Yes. Our programs start at zero completed projects. Experience unlocks higher leverage — for example, up to 92.5% loan-to-cost on fix & flip once you've completed five projects in the last three years.

No. Qualification uses a soft credit assessment, which doesn't affect your score.

Yes — loans are made to entities rather than individuals, which is standard for business-purpose lending. A personal guarantee is customary.

Nationwide, except North Dakota, Nevada, South Dakota, Vermont, and West Virginia.

Single-family homes, townhomes, warrantable condos, and residential up to 10 units, with larger properties — up to 30 units — considered case by case. Construction loans also cover ADUs.

Request a draw in the portal and complete a virtual inspection — the whole request takes 1–3 business days, with funds in as little as one. Materials, labor, demolition, and customary soft costs are reimbursable, and you pay no interest on undrawn funds.

Our average is about ten business days end to end. Fix & flip loans can close in as little as five.

Get started

The next deal won't wait.

Five minutes to apply. Twenty-four hours to your quote.

Get a quote

Prefer a conversation first? loans@fullstacklending.com