Structural Rehab

OVERVIEW – Structural Rehab

Structural & heavy value-add — full-gut, additions, major systems

Structural Rehab sits under the Rehab umbrella and is built for heavier, more complex projects. Think full-gut renovations, structural changes, additions, major system overhauls, and other work that impacts the bones of the building.

This path is ideal when you’re:

Loan Purpose

$250,000-$4,000,000+

Term

12–24 months, interest-only

Max LTC

Up to 90% of total project costs

Max LTV (ARV)

Up to 75% of after-repair value

Rehab Funding

Up to 100% of rehab budget

Typical Scope

Full-gut rehabs, structural changes, additions, major system replacements

Experience

Prior rehab or construction experience required

Who Structural Rehab Is For

Use this program if you want:

Strong leverage on purchase + heavy rehab for structural or full-gut projects
A funding structure and draw process that support larger scopes, multiple inspections, and contingencies
A bridge you can exit by selling the property or refinancing into a long-term rental/DSCR loan once the project is stabilized
(Borrower, insurance and document requirements are listed on the main Rehab page.)

Rates & Terms

Required Documents

Upfront

During Processing

trentium premium loans

Premium Build

Strategic Ground-up Financing From Land To Final Inspection.

Up to 95% LTC
Up to 75% LTV
$250,000-$4,000,000+

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Premium Bridge

From short-term bridge loans to long-term hybrid structures

Up to 80% LTV
75% cash-out
$250,000-$4,000,000+
30-40 year fixed terms

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Premium Rehab

High-leverage capital for everything from light updates to full-gut value-add projects.

Up to 95% LTC
Up to 75% LTV
$250,000-$4,000,000+

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Premium DSCR

Long-term Rental Financing Built Around Your Cash Flow.

Up to 80% purchase
up to 75% cashout
$150,000-$3,000,000
Up to 40 year Fixed Term

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Portfolio Loans

Up to 80% LTV
Up to 10 properties
Small multifamily eligible
$250K–$5M

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Where We Lend