Buy it. Fix it. Flip it. 
What is Premium Rehab?
Premium Rehab gives builders and investors the capital and structure to take on everything from light cosmetic updates to heavy, full-gut value-add projects. With strong leverage, clear scopes, and a disciplined draw process, this program is built to help you move quickly, protect your budget, and maximize your exit — whether you plan to sell or hold as a rental.
Program Overview 
Premium Rehab – Cosmetic & Structural
One unified program with two paths under the same umbrella:
Feature
Premium Rehab
Features
Cosmetic Rehab
Structural Rehab
Loan Amounts
$250K-$4,000,000+
$250K-$4,000,000+
Term Options
12–24 months, interest-only
12–24 months, interest-only
Max LTC
Up to 95% of total project costs
Up to 90% of total project costs
Max LTV (ARV)
Up to 75% of after-repair value
Up to 75% of after-repair value
Rehab Funding
Up to 100% of rehab budget
Up to 100% of rehab budget
Typical Scope
Non-structural: finishes, kitchens/baths, cosmetic work
Structural, full-gut, major systems and reconfiguration
Experience
No experience required
Experience required (prior rehab or construction)
Borrower Type
Entity only (business-purpose)
Entity only (business-purpose)
Prepay Options
No prepayment penalty
No prepayment penalty
Eligible Properties
Non-OO SFR, townhomes, PUDs, 2–4 units, qualifying condos
Non-OO SFR, 2–4 units, qualifying condos
Choose Your Path
We’ve tailored our rehab financing to match the complexity of your project. Pick the path that best fits your scope.
NON-STRUCTURAL
Cosmetic Rehab
For non-structural projects focused on finishes, kitchens/baths, and cosmetic upgrades that don’t touch the structure.
- Timeline: Faster-turn projects and quicker to market
- Strategy: Ideal for flips, BRRRR, and rental refreshes
FULL GUT / STRUCTURAL
Structural Rehab
For full-gut rehabs, structural changes, additions, and major system work with more complexity and moving parts.
- Upside: Built for deeper value-add and larger equity gains
- Strategy: Best for full repositioning before sale or DSCR take-out
When to Use Premium Rehab
Use Premium Rehab when you’re:
- Buying a property to renovate and either resell or hold as a rental (BRRRR strategy)
- Refreshing an existing rental with meaningful cosmetic or interior upgrades
- Tackling full-gut or structural value-add projects that need staged, budget-driven funding
- Stepping up into larger or more complex rehabs using profits from recent deals
Rates & Terms 
Simple Documentation
We focus on what’s needed to underwrite the deal and your plan — not endless paperwork.
Application (borrower & guarantor)
Purchase contract or HUD statement (if applicable)
Detailed scope of work and rehab budget
Contractor bids or GC agreement (as applicable)
Photos or inspection reports (where required)
Bank statements for liquidity and reserves
Entity formation documents (LLC, LP, or Corp)
Insurance declarations
Borrower Requirements
- Entity-based lending only (LLC, LP, or Corporation)
- Personal guarantees from all key principals
- Minimum FICO: typically 660+
- Cosmetic: no experience required for qualifying borrowers
- Structural: prior rehab or construction experience strongly preferred / effectively required
- Strictly business-purpose — not for consumer or owner-occupied properties
Insurance Requirements
- Minimum policy term: 12 months
- Hazard or builder’s risk coverage: at least 80% of insurable value
- Liability coverage: at least $500,000
- Flood insurance required if the property is in a designated flood zone
trentium premium loans
Where We Lend
Trentium lends across a growing footprint of states nationwide, with select licensing restrictions.
Use the interactive map on this page to see where Premium Rehab is currently available and any state- or program-specific limitations. If your state isn’t highlighted yet, reach out — we may still be able to review your scenario.
Loan Programs Built to Help You Scale
Tell us about your deal and we’ll estimate your terms for you.
Frequently Asked Questions
What is Trentium Capital’s Premium Rehab loan?
Premium Rehab is a renovation financing program designed for investors and builders completing everything from light cosmetic improvements to full-gut, structural rehabs. It offers high leverage, budget-backed draw schedules, and simple documentation, helping investors move faster and maximize returns when flipping or holding rentals.
What types of rehab projects qualify for Premium Rehab?
Premium Rehab supports two project paths:
Cosmetic Rehab
- Kitchens & baths
- Flooring, paint, interior finishes
- Non-structural updates & rental refreshes
Structural Rehab
- Full-gut renovations
- Major systems (electrical, plumbing, HVAC)
- Reconfigurations, structural changes, and value-add improvements
Projects must be non-owner-occupied and strictly business-purpose.
What’s the difference between Cosmetic and Structural Rehab?
Cosmetic Rehab → non-structural improvements, lighter scopes, no experience required.
Structural Rehab → full-gut or structural projects; requires prior rehab or construction experience due to larger budgets and safety/complexity factors.
Both offer:
- Interest-only terms (12–24 months)
- Up to 100% rehab budget funding
No prepayment penalties
How much leverage can I get with Premium Rehab?
Premium Rehab offers some of the strongest leverage in private lending:
- Cosmetic Rehab: Up to 95% LTC
- Structural Rehab: Up to 90% LTC
- Up to 75% ARV (after-repair value)
- Up to 100% of the rehab budget funded
High leverage helps investors reduce cash-to-close and scale multiple projects at once.
What loan amounts are available?
$250,000-$4,000,000+ Higher loan amounts may be available with strong experience and marketability.
How fast does Premium Rehab close?
Typical speed: 7–10 days, depending on documentation and appraisal timing.
With a complete scope, budget, and photos, many investors receive conditional approval much faster.
What documentation do I need for a rehab loan?
Trentium’s documentation process is intentionally simple. You’ll need:
- Borrower & guarantor application
- Purchase contract or HUD (if applicable)
- Detailed scope of work + rehab budget
- GC agreement or contractor bids
- Photos or inspection reports
- Bank statements for liquidity
- LLC/LP/Corp formation documents
- Insurance declarations
- Appraisal with as-is and ARV values
This streamlined approach speeds up underwriting and draw planning.
Do I need rehab experience to qualify?
It depends on project type:
- Cosmetic Rehab: No experience required
- Structural Rehab: Experience required (prior rehab or construction)
If you’re new to full-gut rehabs, partnering with an experienced GC can help strengthen eligibility.
What property types are eligible?
Premium Rehab supports:
- Non-owner-occupied single-family homes (SFR)
- Townhomes and PUDs
- 2–4 unit residential
- Condos (subject to eligibility)
Ineligible: rural properties, mixed-use, manufactured homes, commercial properties, farms, or owner-occupied properties.
How does Trentium handle draws and inspections?
Trentium offers a fast, predictable draw system:
- Up to 100% of budget released across draws
- Clear line-item tracking
- In-house construction management
- Draws typically funded within 24–48 hours of inspection
This consistency helps contractors stay on schedule and reduces project delays.
Are there any prepayment penalties?
No.
Premium Rehab has zero prepayment penalty, allowing investors to sell or refinance at any time without additional cost.
What are the insurance requirements?
All rehab projects require:
- 12-month minimum policy term
- Hazard or builder’s risk coverage (≥80% of insurable value)
- Liability coverage of at least $500,000
Flood insurance if the property is in a FEMA flood zone
Can Premium Rehab be used for BRRRR strategy?
Yes.
Premium Rehab is ideal for BRRRR investors because it supports:
- Fast acquisition
- Full budget-backed renovation
- Boosting ARV for future DSCR refi
- No prepayment penalty
Clear path from rehab → rental loan
What states does Premium Rehab cover?
Trentium lends across a growing nationwide footprint, with certain states requiring additional licensing or restrictions.
Check the state availability map to confirm your market.
If your state isn’t visible, contact us — many scenarios can still be reviewed.
How do I get a Premium Rehab quote?
Simply provide:
- Address
- Scope + budget
- Photos (if available)
- Purchase details
Use Get My Rate or Talk to a Specialist on this page to receive a tailored term sheet.