Loan Programs

Your Strategy + Our Loans Programs =
Success Made Simple.

Every real estate investor has a unique path. Whether you focus on rehabbing properties, building a rental portfolio, or tackling new construction projects, our flexible loan options are designed to support your vision and drive your success. With a commitment to understanding your goals, we provide solutions tailored to help you achieve them with ease.

Fix and Flip Loan - Turning Point Lending - Private Lender for Real Estate

Fix & Flip

Designed for Flip or Hold investors seeking to build profit or equity through property renovations.

GUC / New Construction Loan - Turning Point Lending - Ground Up Construction

New Construction

Ideal for ground-up builds, this loan is tailored to meet the unique demands of your projects.

Bridge Loan - Turning Point Lending - Bridge Loan Lender

As-is Bridge

A short-term solution for properties needing no rehab, bridging purchase to permanent financing.

DSCR / Rental Loan - Turning Point Lending - Rental Property Loan

DSCR Rental

A long-term financing option for rental properties with flexible terms to fit your strategy.

FIX & FLIP

Fast & Flexible. Built for Your Next Investment.

When it comes to fix-and-flip projects, having a trusted lending partner is the key to scaling your business and staying ahead of the competition. At Turning Point Lending, our Fix & Flip loan programs are tailored to help you maximize your leverage, lower your upfront costs, and keep your projects moving forward seamlessly.

Streamlined Financing for Ground-Up Projects.

New Construction

Breaking ground on a new construction project requires the right financial partner to turn your vision into reality. Turning Point Lending’s New Construction loan programs are designed to provide flexible funding, reduce upfront costs, and keep your project on track from start to finish. Whether you're building single-family homes or multi-unit developments, we're here to help you succeed.

Fast Solutions for Immediate Needs.

When timing is critical, and opportunities can’t wait, Turning Point Lending’s As-Is Bridge loan programs provide the short-term financing you need to secure your next investment. Designed for properties in their current condition, our bridge loans offer speed, flexibility, and competitive terms to help you close deals quickly and confidently. Whether you’re purchasing a property to renovate, reposition, or hold, we’re here to support your goals.

AS-IS BRIDGE

Smart Financing for Long-Term Growth.

DSCR RENTAL

Building your rental portfolio is about creating steady cash flow and long-term wealth. Turning Point Lending’s DSCR Rental loan programs are designed to streamline the financing process by focusing on the property’s income potential, not your personal income. With competitive rates, flexible terms, and a simple qualification process, our loans empower you to grow your portfolio with confidence and ease.

TestimonialsWhy do our Borrowers love Turning Point Lending?

Excellent5.012 reviews
5.0
Excellent12 reviews
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Karis Rouse profile picture
Karis Rouse
28 May 2026
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Outstanding Lender!! There team is very knowledgeable and fast. Thier service os impeccable. I would highly recommend them to anyone looking for funding.
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Robert Smith profile picture
Robert Smith
12 May 2026
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+0
Jim met my needs even though he knew my needs would cause him alot more work. He is meticulous on his end and focussed on making my borrowing easy. It was simple to build a relationship with him amd his team. Having 1 point of contact makes everything work much smoother. I have already begun recommending him to my friends in the building business.
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ron eicholtz profile picture
ron eicholtz
12 May 2026
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Jim and team are wonderful to work with. They clearly presented us with multiple financing options and were easy to work with.
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pierre maree profile picture
pierre maree
30 July 2025
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I have been flipping and investing in rentals with Turning Point Lending as a lending partner for a while. Every transaction has been successful and went though without any issues. Jim Dougherty is a pleasure to deal with. Not only is he very honest and professional, he also has many years of industry knowledge and experience and he is one of the best to consult with on your projects. They have a very streamlined online application and loan managment system that is hassle free. Its great doing business with Jim and his team. Pierre Maree
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Courtney K profile picture
Courtney K
30 July 2025
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I could not recommend Turning Point more for investors who want to simplify real estate. Both Jim & Scott are extraordinarily knowledgeable, being backed by years of industry experience themselves before being lenders. As a client of theirs not only do I get advice and mentorship on things that I may be a bit weak on, but my lender genuinely has my back in ensuring we’re all making smart investments. The lending process with Jim & Scott is incredibly simple and they work WITH you rather than against you. They work cohesively alongside different title companies and agents. I’d give them more than 5 stars if I could!
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Clay Packel profile picture
Clay Packel
10 December 2024
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One of the most seamless lending experiences in my career. Highly recommend Turning Point to any real estate investor big or small. They know what they're doing and will take care of you like true professionals.
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Andrew winans profile picture
Andrew winans
6 December 2024
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Working with Jim Dougherty and Turning Point Lending was fantastic! They were professional, efficient, and made the funding process for my investment property seamless. Jim’s expertise and guidance were invaluable, ensuring everything was handled smoothly and on time. Highly recommend them for any real estate financing needs!
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Darko Radojcic profile picture
Darko Radojcic
2 December 2024
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I recently worked with Turning Point Lending to secure a bridge loan for a real estate transaction, and my experience was excellent from start to finish. The application process with Turning Point Lending was quick and straightforward. Their online application portal was intuitive, and I was able to upload all the required documents with ease. Their team guided me through each step and made sure I understood what was needed. Their rates were reasonable for the short-term nature of the loan, and there were no hidden fees, which was a huge relief. They took the time to explain the repayment schedule and all the costs involved upfront, so there were no surprises. Claire, the loan officer I worked with was always available to answer questions and offered clear, practical advice. They were very responsive via phone and email. Overall, I had a great experience with Turning Point Lending. They made the entire bridge loan process smooth and stress-free, and I felt supported throughout. Whether you’re looking to bridge a gap in real estate or need short-term financing, I highly recommend Turning Point Lending for their professionalism, competitive rates, and efficient service.
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Al Ferraguti profile picture
Al Ferraguti
31 October 2024
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I have done 4 deals (so far) with Scott and Jim and they have been great to work with. They are professional, know their products and offer great rates and low fees on their DSCR loan. My loans haven't always been easy and they have gone above and beyond to make sure I was completely satisfied. I would highly recommend you check them out for your next investment loan; you won't be disappointed.
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Robert Stranix profile picture
Robert Stranix
22 October 2024
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great hard money lender with excellent rates on Dscr loans too.
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Funding Projects Nationwide.

We evaluate lending opportunities individually, so contact us to see how we can support your project.

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