Now Funding Deals Nationwide · Close in as Fast as 5 Days

Build Your Real Estate
Portfolio With
Smart Capital

Whether you're flipping your first home or scaling a 50-unit portfolio — Prospera delivers fast, flexible financing built around your investment goals.

No Income Verification Up to 90% LTC Close in 5 Days
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Real estate investors celebrating their deal with Prospera
Deal Funded in 5 Days
Fix & Flip · Dallas, TX
Why Investors Choose Prospera
Proven Track Record
$500M+
Total Funded
1,000+
Happy Clients
5 Days
Fastest Close
95%
Approval Rate
Get Pre-Qualified in 2 Minutes

No credit pull · 100% confidential

Close in 5 Business Days No Income Verification Up to 90% LTC 50-State Lending 24/7/365 Support
About Prospera

Expert Guidance &
Personalized Lending

At Prospera Real Estate Lending, we understand that every investment is unique. Our team of seasoned professionals provides hands-on guidance from first call to closing day — and on every deal after that.

Whether you're a first-time flipper or a seasoned portfolio investor scaling to 100+ doors, we craft loan structures that fit your exact strategy and timeline.

Seamless financing for every stage of your investment journey
From first-time buyers to seasoned portfolio investors
Fastest nationwide draw process for construction & rehab
24/7 support with a dedicated loan officer assigned to your deal
Start Pre-Qualification
Prospera loan officer working with real estate investor
Prospera real estate lending specialist
Investor receiving keys to new property
1,000+ keys handed over
4.3/5
Trustpilot
Our Loan Products

Discover Your Perfect Loan

From fast flips to multi-million-dollar commercial deals — we have a loan product for every investment strategy.

Fix & Flip

Purchase-to-profit loans for residential flips. Fast draws, no income verification required.

Rate
9.5%–12%
LTC/LTV
Up to 90% LTC + 100% Reno
Amount
$50K–$5M
Term
12–18 months
Single FamilyMulti-Family 1-4TownhomesCondos
Apply for This Loan

Ground-Up Construction

Build new construction from the ground up with flexible draw schedules and reliable funding.

Rate
10%–13%
LTC/LTV
Up to 80% LTC
Amount
$100K–$10M
Term
12–24 months
ResidentialCommercialMixed-UseMulti-Family
Apply for This Loan

Stabilized Bridge

Bridge the gap between acquisition and permanent financing on stabilized income properties.

Rate
8.5%–11%
LTC/LTV
Up to 75% LTV
Amount
$250K–$20M
Term
6–24 months
OfficeRetailIndustrialApartments
Apply for This Loan

Multifamily & Commercial

Scale your portfolio with competitive rates on 5+ unit apartments and commercial assets.

Rate
8%–11%
LTC/LTV
Up to 75% LTV
Amount
$500K–$30M
Term
24–360 months
5+ UnitsOfficeRetailMixed-Use
Apply for This Loan

DSCR Rental Loans

Qualify on rental income — not personal income. Perfect for buy-and-hold investors.

Rate
7.5%–10.5%
LTC/LTV
Up to 80% LTV
Amount
$75K–$5M
Term
30-yr amortization
SFR RentalsShort-Term RentalsMulti-FamilyCondos
Apply for This Loan
Not Sure Which Loan?
Our advisors will match you with the right product for your specific deal and goals.
Get Expert Guidance
$500M+
Total Loans Funded
1,000+
Satisfied Clients
95%
App-to-Approval Ratio
5 Days
Fastest Funding

Ready to Fund Your Next Deal?

Complete our 2-minute form and get an instant pre-qualification result — no credit pull required.

Start Pre-Qualification Now
Real Deals. Real Results.

Recently Funded Deals

From fix-and-flips to ground-up construction — we fund deals across the country.

2058 South Independence Blvd, Virginia Beach
Commercial FUNDED ✓
$4,500,000
Commercial Property Loan
2058 S Independence Blvd
Virginia Beach, VA 23453
409 16th St SE Washington DC
Fix & Flip FUNDED ✓
$752,000
Fix & Flip Loan
409 16th St SE
Washington, DC
5215 C St SE Washington DC
Ground Up FUNDED ✓
$756,619
Ground Up Construction Loan
5215 C St SE
Washington, DC
1122 1st Ave S Payette Idaho
Fix & Flip FUNDED ✓
$256,912
Fix & Flip Loan
1122 1st Ave S
Payette, ID 83661
131 Ray St Bakersfield CA
DSCR Rental FUNDED ✓
$189,000
DSCR Rental Loan
131 Ray St
Bakersfield, CA 93308
Get Your Deal Funded
Simple Process

From Application to Funding

Our streamlined process gets you funded fast — without the red tape of traditional banks.

STEP 01

Pre-Qualification

Complete our 2-minute online form. Get an instant preliminary score based on your project details and financial profile.

STEP 02

Loan Submission

Submit your full deal package. Our team structures the optimal loan for your investment strategy.

STEP 03

Appraisal & Title

We coordinate appraisal and title simultaneously to save time — our network ensures the fastest turnaround.

STEP 04

Close & Fund

Final underwriting, clear-to-close, and funded — often in as few as 5 business days.

Start the Process Today
Client Success Stories

Real Results from Real Investors

"Prospera funded my 3rd flip in under 7 days. The draw process is the smoothest I've experienced across 6 different lenders. They truly understand the investor mindset."

Marcus T.
Dallas, TX · Fix & Flip Investor
12 Deals Funded

"As a first-time investor I was nervous about hard money. The Prospera team walked me through every step, explained everything clearly, and closed my first flip in 10 days."

Sarah K.
Atlanta, GA · New Investor
First Deal Closed

"I've done 8 deals with Prospera across SFR, multifamily, and ground-up. Their rates are fair and the team is incredibly responsive. They're my go-to lender, period."

Carlos R.
Miami, FL · Portfolio Investor
8 Deals Funded
Prospera team closing deals with happy investors
Real People. Real Results.

Join 1,000+ Investors
Who Trust Prospera

From first-time flippers to seasoned portfolio builders — our team is with you every step of the way.

Start Your Pre-Qualification