Loan Programs | CadenOne Direct Private Lending
Loan Products

Capital Built for Investors by Investors

From acquisition to construction to long-term hold, we offer direct private lending solutions tailored to every stage of your investment strategy.

Fix-N-Flip New Construction DSCR Rental
Short-Term Bridge Loan

Fix-N-Flip

Buy distressed, strategically renovate, and sell for profit.

Our Fix-N-Flip loan is built for investors who acquire undervalued or distressed properties, renovate them to maximize market value, and sell for a profit. We fund the purchase and the full scope of rehab, giving you fast, flexible capital from acquisition through construction so you can close quickly, execute confidently, and exit on your timeline.

  • No income verification required
  • Interest-only payments during the loan term
  • Renovation draws released against inspection milestones
  • Full recourse only
Apply for Fix-N-Flip
Loan Highlights
Loan Amount$50K to $3MM
Loan-to-Cost (LTC)Up to 90%
Rehab / ConstructionUp to 100% of rehab budget
Max LTVUp to 75% ARLTV
Loan Term6 to 12 Months
ExperienceNone required
Interest ReserveMin 1 month
Ground-Up Construction

New Construction

Build from the ground up with a capital partner who moves fast.

Our New Construction loan finances ground-up residential builds for experienced developers and builders. From lot acquisition to vertical construction, we fund each phase of your project with structured draws tied to completion milestones.

  • No income verification required
  • Interest charged only on drawn funds
  • Flexible draw structure tied to construction progress
  • Full recourse only
Apply for New Construction
Loan Highlights
Loan Amount$50K to $3MM
Loan-to-Cost (LTC)Up to 85%
Rehab / ConstructionUp to 100% of rehab budget
Max LTVUp to 70% ARLTV
Loan Term12 to 18 Months
Experience1 to 2 ground-ups
Interest ReserveMin 1 month
Long-Term Rental Loan

DSCR Rental

Qualify on the property's cash flow, not your personal income.

Our DSCR (Debt Service Coverage Ratio) loan is built for buy-and-hold investors. Qualification is based on the property's rental income relative to its debt obligation, not W-2s or tax returns. It's the ideal long-term hold solution for scaling your rental portfolio.

  • No personal income documentation required
  • Available for LLCs and other entity types
  • Cash-out refinance options available
  • Portfolio loan options for multiple properties
Apply for DSCR Rental
Loan Highlights
Loan Amount$75K to $2MM
Loan-to-Cost (LTC)80% if owned < 3 months
Min. FICO660+
Max LTVUp to 80%
Loan Term30 Years
ExperienceNone required
Min. DSCR1.05x
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Not Sure Which Loan is Right for You?

Schedule a discovery call and our team will walk you through the best funding option for your specific deal and investment goals.

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Got Questions?

Frequently Asked Questions

What type of deals do you fund?
We fund residential investment real estate: Fix-N-Flip acquisitions with rehab, ground-up new construction, and long-term DSCR rental loans. All loans are made to real estate investors and are not available to owner-occupants.
Do you work with first time investors?
Yes. Our Fix-N-Flip and DSCR Rental programs require no prior experience. We look closely at the deal itself, your team, and your exit plan, and we'll walk you through the process step by step.
How about ground up construction?
Our New Construction program funds ground-up residential builds from lot acquisition through vertical construction, with structured draws tied to completion milestones. We generally look for borrowers with one to two completed ground-up projects.
What markets do you serve?
We lend in select markets and are headquartered in Atlanta, Georgia. Availability is subject to state and local regulations. Reach out with your property address and we'll confirm quickly whether we can lend there.
Are you a broker or intermediary?
No. CadenOne is a direct private lender. We underwrite, approve, and fund loans with our own capital, which means faster decisions and fewer moving parts between you and closing.
How do you manage investor risk?
Every deal is evaluated on three factors: the opportunity, the execution, and the exit. We stress-test projected profitability, debt service, and financial viability so that both you and CadenOne go into the deal with a clear path to repayment.
Can I use my 401K or IRA to invest?
In many cases, yes. Self-directed retirement accounts can often be used for real estate investing through the appropriate entity structure. We recommend speaking with your tax or financial advisor, and our team can point you in the right direction.
How much cash liquidity would I need?
Liquidity requirements vary by program and deal. As a general guide, plan for your down payment, closing costs, and an interest reserve of at least one month. We review cash liquidity during the initial review stage.
Is it possible to get 100% financing?
Our programs fund up to 90% of cost on Fix-N-Flip and up to 100% of the rehab or construction budget, but we do not offer 100% financing of the total project. Borrowers are expected to bring equity into every deal.
Do you offer gap funding?
We do not offer standalone gap funding. If you have a specific capital stack in mind, schedule a discovery call and our team will let you know how we can structure the loan.