How We Can Help

Fix-and-Flip Loans:

Secure cash quickly with a fix-and-flip loan.

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A great deal can appear when you least expect it. Move faster than your competition and access the hard money loans you need to renovate a property for a strong return.

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This is where Lulu Capital Inc. steps in. For fix-and-hold loans, speed and cash availability are vital. Fix-and-flip loans are designed specifically for residential real estate opportunities that you plan to rehab and sell within a short timeframe, typically 6-12 months from the purchase date.

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Rehab Loans:

Get fast funding for your rehab or construction project.

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Residential rehab and construction loans are crucial for real estate investors purchasing and renovating properties. Quick access to capital is essential for making competitive offers and bringing your rehab plans to life.

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At Lulu Capital Inc., we specialize in providing hard money loans tailored for rehab projects. Our financing solutions are designed to give you the competitive edge needed to thrive in this fast-paced market.

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Bridge to Permanent Loans:

Extend your investment with long-term financing.

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Lulu Capital Inc. offers buy-and-hold loans for borrowers seeking long-term financing for commercial, residential, or industrial properties.

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Unlike traditional short-term hard money loans, our long-term hard money loans provide extended terms with flexible repayment options. This allows you to pay down the loan principal over time, making it an excellent option if you plan to retain your property for the long term.

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Private Line of Credit:

Access fast capital for ongoing funding needs.

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Unlock quick and flexible financing with Lulu Capital Inc.'s private credit line, where you only pay interest on the funds you withdraw. This option is ideal for those with targeted funding needs who don’t require the full amount upfront.

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Take advantage of competitive rates, save on interest, and quickly access funds as your projects progress. Enjoy the flexibility of making draws as needed, all while benefiting from our streamlined, low-doc underwriting process.

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Cash-Out Refinance:

Unlock equity with flexible cash-out loans.

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Traditional lenders often impose rigid loan parameters, but at Lulu Capital Inc., we prioritize your property's equity over borrower financials, making us a leading choice for cash-out refinance hard money loans.

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Our loans are based on the equity in your property, not your credit score. We have successfully assisted clients with low credit, past bankruptcies, and foreclosures. If a bank turns down your cash-out refinance request, reach out to us!

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Commercial Bridge Loans:

Secure hard money loans for your commercial property.

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Business owners, trusts, corporations, and private partnerships often require hard money loans to address their commercial property needs. These private purchase loans, commonly known as bridge loans or gap loans, can be utilized to rehabilitate properties or pay off mature notes on commercial holdings.

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At Lulu Capital Inc., we bring years of expertise in the commercial lending sector, understanding the unique needs of business owners and investors. We collaborate with you to ensure your commercial hard money loan aligns with your goals, providing competitive rates and reasonable terms tailored to your requirements.

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Cannabis Property Loans:

Leverage expertise in cannabis real estate.

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The cannabis industry continues to thrive, with recreational and medicinal use now legal in more than half of U.S. states. As the market expands, navigating the complexities of commercial cannabis real estate becomes increasingly essential.

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DSCR (Debt Service Coverage Ratio) Loans:

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Utilize our premier DSCR loan product to purchase or refinance your rental property with a 30-year fixed term at competitive rates—all without the need for tax returns or personal income verification.

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Our DSCR loan rates are comparable to conventional rates but offer less hassle and a variety of investor-friendly options.

BRRR Method (Buy, Rehab, Rent, Repeat) – Leverage our DSCR loan to refinance into a long-term fixed rate once your property renovation is complete and it’s rented out. We also offer support for Short Term Rental (STR) Loans.

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Ground Up Construction Loans:

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Leverage our Ground Up Construction loan product to finance your next spec home project. Tailored for experienced home builders constructing anywhere from 2 to 200 homes annually, this loan offers higher leverage than traditional bank options and ensures a fast closing process.

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Utilize our quick, reliable, and proven capital at competitive rates to enhance the profitability of your next project. Our streamlined draw process keeps your project moving efficiently and on schedule.

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Land Loans:

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At Lulu Capital Inc., we provide tailored financing solutions for residential lots and land parcels up to 5 acres, with flexibility for larger parcels depending on the land's nature and intended use. Our land loans offer competitive terms to help you seize opportunities in the ever-evolving real estate market.

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With up to 50% LTV, 6 to 24-month terms, and interest-only payment options, we ensure a financing solution that works for your specific needs and timelines. Whether you're investing in a residential lot or pursuing a development project, our straightforward and responsive approach keeps you moving forward.

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Non-Warrantable Condo Loans:

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Lulu Capital Inc. specializes in financing non-warrantable condos, even those with active litigation involving their homeowners' association. Our loans are tailored on a case-by-case basis, providing solutions for non-owner-occupied or investment properties. If you’re navigating a complex condo scenario, we’re here to help with a flexible approach that fits your unique needs.

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Got a Weird One?

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No matter what unique or challenging property scenario you're facing, give Lulu Capital Inc. a call! We have access to an extensive network of lenders across the country capable of handling all kinds of properties, including Golf Courses, Mobile Home Parks, Gas Stations, and more. Whatever your needs, we're here to find the right solution for you.