(303) 835-4445

Apply for a loan
Start Investing

90% Acquisition Loans

Borrow up to 90% of the purchase price (up to 70% of ARV) with no appraisal.  With a quick closing, lower origination fees, no application fees or appraisal fees, we can get you through the loan process efficiently and effectively.

Start your application

90% ACQUISITION LOANS 101

Helping investors purchase and improve real estate

Obtaining adequate capital to close deals quickly in the current environment can be challenging. Leverage our 90% acquisition loan product and experienced real estate investment team to partner with you through your next project. Our in-house servicing team offers you a consistent point of contact for any and all questions throughout the entire process.

With Pine Financial Group at your service, you gain access to the capital required to close on your project with confidence.

Start your application

The Pine Advantage

Why Pine Financial for your loan?

Streamlined funding process

We offer industry-leading underwriting and funding times. Our underwriting and closing processes are efficient.

No experience requirements

We provide dependable and proven capital at competitive rates regardless of your real estate investment experience.

In-house loan servicing

Our in-house servicing team will be a consistent and personal point of contact throughout your project.

No prepayment penalties

Each of our loan products is interest only with no prepayment penalties. If you complete your project sooner than anticipated, you can prepay at any time.

Up to 70% of ARV

We work with borrowers to determine the potential profit to be earned on each project and lend up to 70% of the project’s after repair value.

Competitive fixed rates

We are transparent with our loan pricing and will provide a fee disclosure and terms specific to your project.

Our Loan Process

We’re your partner throughout the process

Icon image of a person and a home representing a step in the home buying process

Step One: Complete application

Get free pre-approval, secure uploads, quick loan commitment. Apply for deals today.
Icon image of a person and a home representing a step in the home buying process

Step Two: Gather documentation

We will send you a specific list of what you need. Gather your financials, contract, scope of work, and budget.

Icon image of a person and a home representing a step in the home buying process

Step Three: Underwrite file

Our underwriting team will review the documentation provided and work with you to close any gaps.

Icon image of a person and a home representing a step in the home buying process

Step Four: Close

Congratulations! You’re done.  We coordinate with all parties to coordinate closing. You just need to show up and sign.
Start your application

Questions? Get in touch

Tel: (303) 835-4445

Contact us

90% ACQUISITION LOANS 101

Tools to start your journey

Icon image of a calculator

Fix & Flip Calculator

Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.

Try the calculator
Icon image of a calculator

Max Offer Worksheet

This worksheet walks you through calculating the maximum price you should pay for a property.

Download worksheet
Icon image of a calculator

Scope of Work Spreadsheet

This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.

Download worksheet
Icon image of a calculator

MAO Rental Calculator

This calculator will help calculate your maximum offer price and return on investment with a rental property purchase.

Try the calculator

Questions? We’re here to help

How do you determine rates, leverage, and loan terms?
Rates, leverage amounts, and terms are dependent on the location and type of property. Get prequalified today and speak to one of our Loan Officers to get specific deal terms for your situation.
If my project takes longer than expected, can you extend the loan term?
We strive to stay flexible and partner with you through your project. If you need to extend the term of your loan, we will discuss terms of any extension but we are happy to work with you. 
Do you lend to first-time flippers?
Yes! We love helping first-time flippers. We are here to help with any questions you have including property valuations, budget reviews, and profitability calculations. Our goal is to work with you to help you succeed.
How do you determine the after-repair value (“ARV”)?
Because we do not require an appraisal for 90% loans, we will do an in house valuation.
Do you pull credit? If so, when?
We understand that credit inquiries may impact your credit score. We do not pull credit when you apply. Rather, we wait until you have a contract on a property and we are going to complete a deal together.
What are reserves and how much do I need to qualify?
Reserves represent the amount of cash you have on hand to fund expenses in excess of your budget and to fund your monthly interest payments. We require liquidity of the greater of 10% of the loan amount or $10,000. Retirement accounts are not considered in assessing your liquidity. Qualifying accounts and assets include personal or business checking and savings accounts, money market accounts, brokerage accounts, etc.

More loan options

Explore our other hard money offerings

Rehabilitation Loans

100% financing for real estate investors. This loan provides funding for the purchase price and rehabilitation costs, up to 70% of the property’s after repair value.
Learn more

90-90 Loans

A hybrid between our 90% Acquisition Loan and Rehab Loan products, the 90-90 Loan provides the benefit of funding the lion’s share of the rehab cost at a lower cost than the Rehab Loan.
Learn more

Bridge Loans

Bridge loans are used by real estate investors to cover the gap between the purchase of the property and their long-term financing solution.
Learn more

Construction Loans

This loan provides borrowers with financing to cover the cost of acquisition of land and development of a new home.
Learn more

IRA Loans

Have you ever thought about accelerating your retirement by fixing and flipping properties inside your IRA?  This is a highly specialized loan offered by only the most experienced lenders.  Find out how we can help you with your next IRA loan today.
Learn more

Flash Cash Loans

This loan is used by real estate wholesalers to fund double closings. This product is available nationwide.
Learn more