Loan Programs
​​

Fix & Flip Loans
Select Loan Services is your trusted hard money lending partner, helping real estate investors succeed with fast, flexible financing. Our fix & flip loans are built with investors in mind—offering a streamlined application process, fast approvals, and competitive terms to make your deal seamless from start to finish. First-time flipper? No problem. We provide access to up to 20% of your rehab budget upfront, and you’ll only pay interest on funds you actually use. Enjoy the freedom of no prepayment penalties and 12-month loan terms with optional extensions. With no W-2s or tax returns required, our process eliminates the red tape and focuses on getting your deal done. Competitive rates and price-matching options ensure you’re getting the best deal available.

Commercial Loans  
Select Loan Services has funded strategic commercial real estate deals for over 15 years. We simplify the process for investors through fast, flexible financing solutions that prioritize speed, simplicity, and favorable terms. Our small balance commercial loans—ranging from $150,000 to $2 million—are ideal for property types including office, retail, mixed-use, motels and short-term rentals, flex/warehouse, medical offices, and self-storage. Loan terms are available for up to 5 years, with fast closings powered by in-house capital. We finance value-add, partially vacant, and fully vacant properties, and offer rehab credit lines for distressed or shell-condition assets. With no tax returns, W-2s, or perfect credit needed, our focus is funding your deal—not delaying it. Competitive rates and price-match options keep your financing competitive.   

Cash-Out Refinance
Unlock the equity in your investment property with Select Loan Services’ Cash-Out Refi program—designed specifically for real estate investors who need fast, hassle-free access to capital. With approvals up to 65% LTV and as little as 6 months of seasoning required, this program helps you move quickly toward your next opportunity. We offer flexible terms up to 36 months with extension options, zero prepayment penalties, and a streamlined application process that requires no tax returns or W-2s. With competitive rates and price-matching options available, our goal is to help you leverage your property’s equity with confidence and ease.

Rehab Only Loans
Select Loan Services specializes in rehab financing that helps turn properties into profits. Whether you’re on your first or tenth flip, our rehab-only loan program is designed to move your project forward with upfront funds, clear terms, and investor-friendly approvals. Receive up to 20% of your rehab budget upfront and pay no interest on undrawn funds. With no prepayment penalties and 12-month terms that can be extended, you’ll stay flexible throughout the project. Properties must be “dried-in” (roof, windows, and doors installed) to qualify, and our streamlined process cuts out unnecessary documentation. Competitive rates and price matching ensure your costs stay in check while your ROI grows.

Construction Loans
For ground-up projects, Select Loan Services offers tailored construction loans built to power new builds with speed and flexibility. Whether it’s a single-family home, multifamily build, or select commercial property, our construction financing is designed for real estate investors and developers who need quick access to capital without the red tape. Our loans feature interest-only payments during construction, fast approvals, and flexible draw schedules aligned with your build milestones. We do not require tax returns or W-2s—just a solid project plan and exit strategy. With transparent draw processes and competitive pricing, including rate-matching options, you can build confidently with a lender who understands your vision.