Fix & Flip · DSCR · Bridge · Ground-Up Construction
$250K to $5M · Up to 95% LTC + 100% rehab · No W2s or tax returns
A few recent closings
Recently closed
$675,000 · Fort Lauderdale, FL / FIX & FLIP
$431,565 · Sellersville, PA / FIX & FLIP
$273,750 · Ocala, FL / DSCR
Four programs. One underwriting standard. Pick the one that matches your exit.
buy, renovate, sell
Rates subject to underwriting.
Funding for purchase + rehab
9.00%
Up to $5M
Up to 95% LTC + 100% Rehab
12 months
From 1.50%
Up to 75%
long-term holds
Rates subject to underwriting.
30-year rental loans
6.50%
Up to $5M
Up to 80% LTV
30 years
From 1.50%
fast closings and transitions
Rates subject to underwriting.
Short-term bridge capital
10.00%
Up to $5M
Up to 80% LTV
12 months
From 2.00%
new construction
Rates subject to underwriting.
For new builds with plans in place
10.00%
Up to $5M
Up to 85% total LTC
12–18 months
From 2.00%
Up to 70%
We built Trato to run on software instead of headcount. AI does the reading, sorting, and checking. People make the decisions.
Your scenario gets reviewed the day it lands instead of sitting in a queue behind a hundred others. Indicative terms come back quickly enough to keep the property under contract.
We do not carry layers of coordinators, so our costs are not padded to cover them. Rates start at 9.00% and every deal is quoted on its own merits, subject to underwriting.
Software handles the documents and the checks. A person who has underwritten deals like yours looks at the asset, the comps, and the exit before terms go out.
Maximum leverage subject to borrower experience, FICO, and property location. Indicative terms only, subject to underwriting. Lending in 44 states, with eligibility confirmed per deal.
See the loan type, amount, property and terms behind each closing.
Sellersville, PA
Ocala, FL · Cash-Out Refinance
Philadelphia, PA
Philadelphia, PA
Columbus, OH
Closed loans, actual terms. Names withheld for borrower privacy.
As a newer investor I was nervous about hard money lenders, but Trato made the process clear and straight forward. They walked me through the purchase + rehab financing and funded 85% of the total project cost. Closed in six days with zero surprises at the closing table.
Tom
Fix & Flip Investor
Trato Lending closed our fix & flip in 7 business days when another lender dropped the deal. No tax returns, no income docs. Just focused on the asset. Funds hit on time and we were able to secure the property under contract.
Jay R.
Fix & Flip Investor
Trato Lending was incredible to work with. My loan was complex and several lenders couldn't understand or structure the deal. The team at Trato actually listened, took the time to understand the situation, and worked hard to find a solution.
Andrew K.
Real Estate Investor
Trato is run by a team with backgrounds in fintech, real estate, and private credit. We underwrite every file in house, so the person who answers your first call is the person who signs off on your terms. No call centers, no handoffs, no committee sitting between you and an answer.
We read the asset, the comps, and your exit before we read anything about your tax filings. If the deal works, you will hear it fast.
Share the property, your strategy, and the numbers. No tax returns or W2s.
Review indicative terms and costs before deciding whether to proceed.
We review title, insurance, and the appraisal against the plan.
Once diligence and final underwriting are complete, funds are wired to closing.
Five questions to see your structure. The rest only if you like it.
Send us the scenario and we will review the property and the plan before issuing indicative terms.
Submit Your Deal