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Expand Your Portfolio Without Personal Income

Industry-Leading Fix and Flip Loan Program

No tax returns, no DTI calculations – just faster closings and greater opportunities.

What type of loan are you looking for? *If you aren't sure... that's okay! Select DSCR 1st and we will provide some options when we send you a quote / term sheet. NOTE: 💰🏠 We finance 1-4 unit (per tax parcel) residential properties in major cities.

Select the option that best describes you below: *

What kind of property are you financing? *We finance 1-4 units per tax parcel. Be sure to request a quote for each tax parcel.

What is the full street address including city and state? *

Property address or nearby address - so we can check the area

When do you need to close escrow? *

Within 30 days

31-60 days

61-90 days

90+ days

If this is a purchase or there is a maturity date, what day?

If this is a purchase, what is the purchase price?

$

An estimate is fine

If this is a refinance, what is the loan payoff on the title report?

$

An estimate is fine

Is the property vacant or tenant occupied?

What is the condition of the property?

What is the current appraisal value, AS IS? *

You can search Zillow for similiar sold properties within 1 mile in the last 1 year.

What is your exit strategy? *

Sell

Refinance

Hold

For Rentals, what are the long term market rents?

You can check Rent-O-Meter.com or Zillow

For Rentals, how many leases will you supply?

For Short Term Rentals, do you have a 12 month ledger and what are the annual rents?

Income for last 12 months

For Flips or New Construction: What is the BUDGET/SOW?

For Flips and New Construction: What is the AFTER REPAIR VALUE?

What is the requested loan amount? *

How much do you want us to finance?

What is the annual insurance premium? *

An estimate is fine

For New Constructions, do you have a survey?

Stamped plans?

Permits are ready to be pulled?

Do you have an LLC, LP or Corporation? *

Yes

No

I need one

New companies are welcome

What is the name of your LLC or company? *

How many partners are involved in this deal?

What are the credit scores for the partners?

You can pull from CreditKarma.com if needed

What is the name of the person with the best credit score? *

Do you or any partners live within 100 miles of the property? *

Yes

No

How many rentals do the partners currently own? *

Must have 20% ownership or more.

Does someone on the deal have a 12 month mortgage history or residential property owned free and clear inside the last 3 years?

Yes

No - We have not owned any residential property at all in the last 3 years.

Do any of the partners have a mortgage late in the last 12 months, bankruptcy or foreclosure in the last 3 years? *

Yes

No

What is the total value of liquid assets held by the partners? *

Cash plus 50% of retirement accounts - that you can verify or deposit to escrow

Do you already have a quote?

No

Yes

If yes, what's the rate and points?

Do you need a Proof of Funds Letter for your offer?

Yes

No

For Purchase Money

What is the name of your Friend or Affiliate?

Who do you know at our firm or who referred you?

Your Full Name *

Your Email *

Your Phone *

We will email you the term sheet and call to follow up on receipt. I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from company. Message frequency varies. Message & data rates may apply. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

With 10+ years of real estate experience, I specialize in helping residential real estate investors build wealth through strategic acquisitions. Based in Upstate New York, I offer tailored lending solutions to investors in NY, CT, MA and TN and expanding territories.

Whether you’re a home buyer, flipper, landlord, or builder, I invite you to apply for a loan or join one of my evening webinars designed to help you navigate the real estate market with confidence. I work tirelessly to find you fast, flexible financing to turn your goals into reality!

I proudly work with referrals and look forward to helping you achieve your next investment.

All my best,

Danielle Dunton

Bluelindy.com

Frequently Asked Questions

What documents do I need to apply for a loan?

You’ll need our simple PDF loan application and disclosures, stamped articles of formation for your new or seasoned LLC, LP or Corporation, an operating agreement or bylaws which you can amend, property insurance, a credit report, title report and appraisal. I will order these last 3 items for you. You do NOT need proof of personal or business income, a personal financial statement, tax returns, and we do not ask about your employment. In many cases, you do not need seasoned assets or bank statements. Specific requirements vary by program.

If you are doing new construction, a renovation or bridge loan with improved pricing or higher loan amounts, we may ask for a track record and a scope of work / budget if it applies. Please obtain your scope in writing from a licensed and insured contractor or subcontractor as per the city or state.

How quickly can we fund the loan?

COE is realistically about 15 business days: est. 5 days for appraisal and title, est. 5 days for quality review and final loan terms, est. 5 days for legal documents and wire. Please be sure everyone is on board with this timeline. On a purchase, you could write the offer as 10-15 days and keep a 10-15 day extension in mind because Realtors deal in calendar days and lenders deal in business days.

Testimonials

Danielle is an absolute powerhouse when it comes to private money lending for Team Sparta. She consistently exceed expectations, demonstrating a deep understanding of the market that allows her to close deals with impressive efficiency. Her talent for assessing risk and structuring loans that benefit everyone is truly top-tier.

— Luca B.

Danielle and I have been working together in the private money and DSCR lending space. She is consistently professional, thoughtful and thorough. Her ability to execute has been impressive. I would highly recommend Danielle if you want to meet your objective quickly.