Our focus
Fix & flip
Up to70%of after-repair value
Up to 100% of purchase + rehab for experienced investors
- From $50,000 · up to 12 months
- Rehab funds released as work is done
- 600+ FICO · no application fee
Funding based on the property. Not your tax returns.
Fix and flip loans that cover your purchase and rehab. Rental loans that qualify on the rent, not your W-2. Tell us about the deal, and we'll get you a term sheet from an asset-based lender.
- No application fee
- No hard credit pull to get terms
- Up to 100% of purchase + rehab
- Investment property only
Fix & flipUp to 70% of after-repair value, and up to 100% of purchase and rehab for experienced investors.
Rental (DSCR)Up to 80% of value, qualified on the rent. No tax returns, no minimum credit score.
Franklin, TennesseeInvestors ourselves in Middle Tennessee. Loans placed with asset-based lenders that fund nationwide.
Loan programs
Most of our borrowers use a fix and flip loan, a DSCR rental loan, or one followed by the other. Guidelines are from our lending partners as of November 2026; every deal is reviewed on its own numbers.
Our focus
Rental (DSCR)
Up to80%of value
Qualifies on the rent, not your income
- $75,000 to $2 million · 30-year terms
- Purchase, refinance or cash-out
- No tax returns · no minimum score
Bridge
Up to70%of value
- From $50,000 · up to 12 months
- Close fast, or buy before another sale closes
- 600+ FICO
New construction
Up to85%of finished value
- $100,000 to $3 million · 12 to 24 months
- Land purchase and ground-up builds
- 650+ FICO · leverage follows your build record
Full guidelines, side by side
| Program | Best for | Loan size | Leverage | Term | Credit |
|---|---|---|---|---|---|
| Fix & flip | Buying and renovating a single-family house to sell | From $50,000 | Up to 70% of after-repair value; up to 100% of purchase and rehab cost | Up to 12 months | 600+ FICO |
| Rental (DSCR) | Buying, refinancing or pulling cash out of a rental | $75,000 to $2 million | Up to 80% of value; qualifies on the property's rent, not your income | Long-term | No minimum score |
| Bridge | Closing fast, or buying before another property sells | From $50,000 | Up to 70% of value | Up to 12 months | 600+ FICO |
| New construction | Land purchase and ground-up single-family builds | $100,000 to $3 million | Up to 75% of as-is value; up to 85% of finished value | 12 to 24 months | 650+ FICO |
Portfolio and cross-collateral rental loans are reviewed case by case. Construction leverage depends on the builds you've completed in the last three years.
Buy it, fix it, keep it
The two programs are built to work together. Many investors use the short-term loan to buy and renovate, then move the finished house into a long-term rental loan instead of selling.
- Fix & flip loanBuy and renovate with the short-term loan. Up to 12 months.
- Rent itLease the finished house. The rent is what the next loan qualifies on.
- DSCR refinancePay off the short-term loan with a long-term rental loan and pull out cash for the next one.
Where are you right now?
First deal or two
I've found a house. I need to know if it works.
"The bank wants two years of tax returns." "I need to close before another buyer does."
Send us the address, price, rehab budget and what it'll be worth finished. We'll tell you plainly what the loan looks like, what you'll need in cash, and what to fix before a lender sees it. Flippers ourselves, we'll tell you if we'd walk away.
- Up to 70% of after-repair value
- Plain-English term sheet, 24 hours on a clean file
- No fee to find out
Scaling a portfolio
I've done this before. I need capital that keeps up.
"My cash is tied up in other rehabs." "I finished the flip and want to keep it."
Experienced investors get up to 100% of purchase and rehab, DSCR loans at up to 80% of value with no tax returns, and the buy-fix-refinance loop that recycles your cash into the next house. One point of contact across every deal.
- Up to 100% of purchase + rehab, based on experience
- DSCR refinance to pull cash out
- Portfolio and cross-collateral reviewed case by case
From deal to closing
Send us the deal
Address, purchase price, rehab budget and your exit plan. The estimator above fills most of it in for you.
Get a term sheet
We match the deal to the right lender and program and send you the rate, points, leverage and closing costs in writing.
Appraisal and underwriting
You provide entity documents, ID and bank statements. We coordinate the appraisal, title and insurance.
Close and fund
Sign at the title company. For rehab and construction loans, draws are released as work is completed.
What you'll need to close
For any loan
- Government ID
- Entity documents: articles, operating agreement, EIN letter
- Two months of bank statements showing cash to close and reserves
- Purchase contract, or the current mortgage statement for a refinance
- Insurance quote for the property
Fix & flip and construction
- Scope of work with a line-item budget
- Contractor bids or your GC's information
- Addresses of projects you've completed in the last three years
Rental (DSCR)
- Current lease, or a rent estimate if the house is vacant
- Property tax bill and HOA dues, if any
- Payoff statement for any loan being refinanced
How we're paid
There is no application fee and no charge for a term sheet. When a loan closes, our fee is part of the origination points and is shown on your term sheet and closing statement, so you see every cost before you commit. If a deal doesn't close, you owe us nothing.
Capital to build. Confidence to move forward.
Proclaim Lending is based in Franklin, Tennessee, and led by Kraig Wall. We've arranged commercial and investment financing since 2012, and we buy, renovate and sell houses ourselves. We read your deal the way an investor does: the purchase, the scope of work and the exit.
A name rooted in renewal
Proclaim takes its inspiration from Isaiah 61, a message of hope, restoration and rebuilding. That foundation shapes how we work: see the potential, act with integrity, and help create a stronger future. We welcome investors of every background who share a thoughtful approach to improving real estate.
Inspired by Isaiah 61:3–4
Submit a deal
Send what you know now. We'll reply within one business day with questions, or with the next step toward a term sheet.
Rather talk it through? Call (866) 528-1005.
Questions investors ask
Do you lend on my own home?
No. Every program is for non-owner-occupied investment property held for business purposes, usually in an LLC.
Will you look at my tax returns?
For fix and flip, bridge and construction loans, approval rests mainly on the property, the budget and your experience. Rental loans qualify on the property's rent. We'll still run credit and verify you have the cash to close.
How fast can a loan close?
Most of the timeline is appraisal and title. Your term sheet will include a realistic closing date for your deal, and we'll tell you up front if your contract date is too tight.
What does it cost to submit a deal?
Nothing. There's no application fee. You'll see the rate, points and closing costs on your term sheet before you commit to anything.
Which states do you cover?
Our lending partners fund nationwide, with a few state exceptions. Put the property state on the form and we'll confirm.
I'm new to investing. Can I still qualify?
Often, yes, with more cash in the deal or a lower loan amount. Experience mostly changes leverage. Send the deal and we'll show you what fits.