Cosmetic Rehab sits under the Rehab umbrella and is built for lighter, non-structural projects. Think interior and exterior finishes, kitchen and bath upgrades, flooring, paint, fixtures, and other cosmetic improvements that don’t touch the structure of the building.
This path is ideal when you are:
Cosmetic Rehab
Use this program if you want:
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
Trentium lends across a growing footprint of states nationwide, with select licensing restrictions.
Use the interactive map on this page to see where Cosmetic 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.
Tell us about your deal and we’ll estimate your terms for you.
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.
Premium Rehab supports two project paths:
Projects must be non-owner-occupied and strictly business-purpose.
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:
No prepayment penalties
Premium Rehab offers some of the strongest leverage in private lending:
High leverage helps investors reduce cash-to-close and scale multiple projects at once.
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.
Trentium’s documentation process is intentionally simple. You’ll need:
This streamlined approach speeds up underwriting and draw planning.
It depends on project type:
If you’re new to full-gut rehabs, partnering with an experienced GC can help strengthen eligibility.
Premium Rehab supports:
Ineligible: rural properties, mixed-use, manufactured homes, commercial properties, farms, or owner-occupied properties.
Trentium offers a fast, predictable draw system:
This consistency helps contractors stay on schedule and reduces project delays.
No.
Premium Rehab has zero prepayment penalty, allowing investors to sell or refinance at any time without additional cost.
All rehab projects require:
Flood insurance if the property is in a FEMA flood zone
Yes.
Premium Rehab is ideal for BRRRR investors because it supports:
Clear path from rehab → rental loan
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.
Simply provide:
Use Get My Rate or Talk to a Specialist on this page to receive a tailored term sheet.
Pre-qualify in minutes. Builder-first leverage, clean terms, and a clear path to closing.
Get Pre-Qualified in minutes with:
Ready to take the next step? Fill out the form below to get pre-qualified and kickstart your project with confidence.
Loans from
$500K-$3MM
Loan to value
up to 65%
Loan to cost
up to 85%
Up to 24-month term
with extension options
