Certain Lending

1000 2nd Ave., Suite 2500
Seattle, WA 98102

About Us

At Certain Lending, we specialize in providing a comprehensive suite of loan products tailored for real estate investors. Our offerings include Fix and Flip loans for purchasing and renovating properties, Bridge loans for transitioning between investments, Construction loans for building new residential and small multifamily properties, and Rental Property loans for long-term financing based on rental income. We also offer Short-Term Rental loans for properties listed on platforms like Airbnb and VRBO, Rental Portfolio loans for financing multiple properties under a single loan, and Bank Statement loans catering to self-employed individuals by assessing income through bank statements rather than tax returns.

Choosing Certain Lending means partnering with a lender that prioritizes speed, flexibility, and transparency. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on reliability and tailored solutions, we empower both new and seasoned investors to scale their portfolios confidently.

Please note: We do not offer loans for owner-occupied homes, raw land, or commercial properties.

Contact Certain Lending

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What We Offer

Loan Types
  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental
  • Multifamily Bridge
  • Multifamily Rehab
  • Multifamily Long-Term
Rates
  • 5.75% to 11.75%
Lending Territory
  • Nationwide except for a few states: Illinois, North Dakota, South Dakota, Vermont, & West Virginia
Closing Times
  • Loans can close in as few as 5 days
Loan Purposes
  • Purchase
  • Refinance
  • Bridge
  • Construction
Borrower Types
  • Residential Real Estate Investors
Credit Requirements
  • 660 Min.
Loan Amounts
  • $100k - $5M
Max Ltv
  • 65% - 92.5%
Fees
  • 0% to 3%
Property Types
  • 1-10 Unit
  • SFR
Loan Terms
  • 6 mo's - 360 mo's
FICO Requirements
  • 660 min.
Lien Position
  • 1st

Who We Are

They care about closing the loan as much as I care about closing, which is huge. It’s great to have them in my corner.

Leka Devatha

What We've Done

done deal image
  • Grove City, OH.
  • $208,000
  • Purchase
  • SFR
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  • Kent, WA
  • $513,000
  • Purchase
  • SFR
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  • Peoria, AZ.
  • $690,021
  • Fix and Flip
  • SFR