Residential Renovation and Investment Financing

As our borrower needs have evolved, Planet Renovation Capital has expanded its renovation lending offerings to include additional residential investment loan options. These products are offered alongside our core Fix & Flip financing and are supported by the same underwriting standards and operational approach our partners rely on.

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Available Loan Products

Fix & Flip

  • Up to 95% LTC, 75% LTV
  • 100% of rehab budget with 2-day draws
  • No pre-payment penalty
  • 620 minimum FICO score

Ground-Up Construction

  • Up to 90% LTC, 75% LTARV
  • 18 and 24-month term options
  • 1–4 unit properties
  • Coverage for land, vertical construction, and soft costs

DSCR Rental Loans

  • Up to 80% LTV purchase and 80% rate-term , 75% cash-out
  • DSCR as low as .75 with pricing improvements as DSCR increases
  • No personal income or employment verification
  • Broad property eligibility with portfolio options

Bridge

  • Up to 80% LTV
  • 12 and 18-month term options
  • Loan from $150k to $3M
  • No pre-payment penalties

Consistent Underwriting. Expanded Capability.

All loans are reviewed by Planet Renovation Capital’s in-house underwriting team, ensuring consistency, transparency, and disciplined execution from initial review through closing.
Planet continues to expand its renovation and residential investment lending capabilities with a long-term focus on operational consistency, responsible growth, and dependable outcomes for our borrowers and broker partners.

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