TARS Lending - Your Trusted Real Estate Funding Partner

Our Funding Solutions

Comprehensive funding options designed to help real estate professionals close deals with confidence. We fund residential and commercial real estate transactions of all types. If it's a sound deal, we can fund it.

Blanket Portfolio Loan

A blanket loan, also known as a portfolio loan, is a single mortgage used to finance multiple real estate properties under one agreement. Investors use this to simplify loan management by having a single payment for their entire portfolio. This structure is ideal for investors who own several rental properties and want to consolidate debt or finance the purchase of multiple properties at once.

Bridge Loan

A bridge loan is a type of short-term financing designed to "bridge" a gap in funding, such as when an investor needs to purchase a new property before selling an existing one. These loans provide immediate capital to secure a new investment quickly without having to wait for other funds to become available. They are a temporary solution, typically repaid once the original property sells or long-term financing is secured.

Ground Up Construction

A ground up construction loan provides the necessary funding for a real estate project that is being built from scratch. This financing covers the costs of land acquisition, building materials, and labor for a brand-new structure. The funds are typically disbursed in stages, known as draws, as the project meets specific construction milestones.

Business Credit

Business credit is a credit profile established for a company, separate from the personal credit of its owners. Real estate investors use business credit to obtain financing for properties and operations without putting their personal assets at risk. Building a strong business credit history can lead to higher loan amounts and more favorable terms.

Business Funding

Business funding is a broad term for capital obtained to support the general operations and growth of a real estate investment company, rather than financing a specific property. This can include lines of credit or term loans used for expenses like marketing, overhead, or making offers on multiple properties. It provides the working capital necessary to scale the business.

Commercial

A commercial loan is used to finance income-generating properties that are used for business purposes, such as office buildings, retail centers, apartment complexes, or industrial warehouses. Unlike residential loans, qualification is often heavily based on the property's potential to generate income. These loans are essential for investors looking to purchase or refinance commercial real estate assets.

DSCR Rental Loan

A DSCR (Debt Service Coverage Ratio) loan allows an investor to qualify for financing based on a property's rental income rather than their personal income. Lenders use the DSCR to determine if the property's cash flow is sufficient to cover the mortgage payments. This loan is ideal for investors purchasing rental properties that can financially support themselves.

Fix and Flip

Fix and flip loans are short-term loans that provide funding for both the purchase and renovation of a property that an investor intends to sell quickly for a profit. These loans are based on the property's after-repair value (ARV), which is an estimate of its worth once the renovations are complete. The quick turnaround time of these loans is designed to match the fast pace of a fix and flip project.

Multi Family and Mixed Use

This type of financing is for properties that have multiple residential units (multi-family) or a combination of commercial and residential spaces (mixed-use). Investors use these loans to purchase or refinance properties like apartment buildings, duplexes, or buildings with retail on the ground floor and apartments above. The loan terms often depend on the number of units and the property's income potential.

Transactional Funding

Transactional funding is an extremely short-term loan, sometimes lasting only a day or two, used by real estate wholesalers to complete back-to-back closings. It allows a wholesaler to purchase a property from a seller and immediately sell it to an end-buyer without using their own capital. This funding facilitates the quick transfer of property and is repaid instantly from the proceeds of the final sale.

Why Choose TARS Lending?

We prioritize people over profit. Trust, transparency, and long-term relationships are at the core of everything we do.

Lightning Fast

Get approved in 24-48 hours, not weeks. We understand that timing is everything in real estate deals.

Completely Transparent

No hidden fees, no surprises. We believe in clear, honest communication throughout the entire process.

Expert Guidance

Our team has decades of experience in creative real estate financing and will guide you to success.

Partnership Focused

We're not just a lender - we're your partner in building a successful real estate investment business.

Creative Solutions

Every deal is unique. We find creative ways to structure financing that work for your specific situation.

Proven Track Record

Over $25M funded and 200+ successful deals. Our results speak for themselves.

About TARS Lending

TARS Lending was founded on the principle that real estate professionals deserve a funding partner who understands their business and shares their commitment to success. We're not just another lender - we're real estate professionals ourselves who understand the challenges and opportunities in today's market.

Our team combines decades of experience in real estate investing, creative financing, and business development. We've been where you are, and we know what it takes to build a successful real estate investment business. That's why we're committed to providing not just funding, but partnership and guidance to help you achieve your goals.

Trust & Integrity

We build relationships based on trust, transparency, and mutual respect.

Speed & Reliability

When you need funding fast, we deliver. Our word is our bond.

Partnership Approach

Your success is our success. We're invested in your long-term growth. We're not looking for one-time transactions—we're building lasting partnerships that grow and evolve with your investment goals and market opportunities.

Frequently Asked Questions

Get answers to common questions about our funding solutions

What makes TARS Lending different from other lenders?

Our goal is to be your lending partner for life. We build that relationship on a foundation of trust and transparency, always prioritizing your success over our profit. By focusing on your unique situation, we tailor funding from our wide array of options to ensure you meet your goals with a reliable partner by your side.

How quickly can I get approved and funded?

We know that speed is critical in real estate. Our team is committed to reviewing and approving most applications in just 24-48 hours, so you can get your funds wired the same or next day after signing and never miss an opportunity.

What are your rates and fees?

Our loan rates are competitive and determined by the specifics of your transaction, including loan type, amount, and term. We are committed to full transparency; our terms have no hidden fees or upfront costs, and we are only compensated upon the successful closing of your deal. Please contact us to receive a personalized quote.

Do you work with new real estate investors?

Definitely. We're built to support investors at every level. We look at the strength of each deal and specialize in partnering with new investors, offering the hands-on support and guidance needed to build a successful real estate business from the ground up.

What states do you lend in?

We fund projects in most states. Please contact us with your deal details and the property's location, and we will confirm our ability to lend in your area.

What happens if my deal doesn't close?

We know that in real estate, not everything goes according to plan. If your deal encounters an unexpected roadblock, we don't walk away. We work with you as a true partner to find a solution, focused on protecting your interests and building a strong relationship for future successful deals.

What documentation do I need to apply?

Requirements include property details and basic financial information. Our team will guide you every step of the way for your specific situation. Click here to apply.

Your Trusted Real Estate Funding Partner