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Certain Lending

Seattle, WA·Founded 2018·Nationwide
(206) 451-1455
Certain Lending is a Seattle-based direct lender and technology platform serving real estate investors across 42 states plus DC with fix-and-flip, bridge, construction, and DSCR rental loans on 1-10 unit residential property.
Certain Lending describing itself

Loan programs

DSCR / Long-Term Rental

$75K – $1.5M
Term
30 yr
Rate
5.75% – 11.75%
Maximum leverage
Max LTV 80%Max LTV (cash-out) 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential

Fix & Flip

$100K – $1.5M
Term
18 mo
Rate
5.75% – 11.75%
Maximum leverage
Max LTV 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential

Ground-Up Construction

$200K – $1.5M
Term
24 mo
Maximum leverage
Max LTV 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential

Bridge

Maximum leverage
Max LTV 80%
Also offers— no published terms
Fix to Rent (BRRRR)MultifamilyRental Portfolio / Blanket

Terms & qualification

Typical loan size
$100K – $4M
Typical term
6 mo – 24 mo
Origination / points
0% to 3%
Minimum FICO
680
Income documentation
No employment or income verification. Entities only; a personal guarantee is required. Foreign nationals allowed at reduced LTV.
Borrower entity
LLC or Corporation Required. All loans closed under a business entity.
Experience required
All experience levels accepted. Newer investors qualify; experienced investors with prior exits unlock higher leverage and preferred pricing.

Property types

Single-Family (SFR)Condo / Townhome / PUD2–4 Unit ResidentialMultifamily (5+)Land & LotsShort-Term Rental (STR)

Lending footprint

AKALARAZCACOCTDCDEFLGAIAIDINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNYOHOKORPARISCTNTXVAWAWIWVWY

Explicitly excluded: HI, IL, ND, NV, SD, UT, VT

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.