How we lend

Short-term private capital for residential real estate investors.

Pantheon funds rehab, bridge, and selective new construction loans. We focus on business-purpose residential investment property, practical underwriting, and reliable execution.

Loan size
Typically $100,000 to $1,000,000, with larger loans considered based on the deal and borrower.
Term
Six months standard for most short-term loans, with extensions considered when progress and collateral support them.
Property type
Primarily residential 1–4 unit investment property. Select other residential collateral considered case by case.
Structure
First-lien deed of trust, business-purpose borrower/entity, personal guarantee, and interest-only payments during term.
Leverage
Deal-specific. We care about purchase price, as-is value, ARV, budget, borrower equity, and margin of safety.
Geography
NC-based with deep Southeast experience; open to strong residential loans in other markets where structure supports the risk.
Loan programs

Capital matched to the project.

We are not trying to be every kind of lender. We focus on practical private capital for investment property situations where speed, certainty, collateral, and relationship matter.

Rehab / Fix & Flip

Purchase and renovation loans.

For investors acquiring residential property, completing light-to-heavy rehab, and exiting through sale or refinance.

  • Purchase funding
  • Rehab draws as work is completed
  • Short-term interest-only structure
  • Repeat-borrower familiarity matters
Bridge Loans

Flexible short-term capital.

For time-sensitive acquisitions, refinance bridges, maturing debt, cash-out needs, and well-collateralized opportunities.

  • Quick-close purchases
  • Short-term refinance bridge
  • Cash-out considered case by case
  • Collateral and exit drive the structure
New Construction

Selective ground-up lending.

For residential investors and builders with relevant experience, realistic budgets, and an executable construction plan.

  • Single-family and small residential projects
  • Build-to-sell or build-to-hold
  • Draw-funded construction advances
  • Experience and budget discipline required
What we evaluate

The deal, the borrower, and the plan.

A strong loan is rarely about one number. We look at the whole file: the property, purchase price, scope, borrower, experience, liquidity, market, leverage, budget, contractors, timeline, and exit.

We like experienced investors, but we also recognize compensating strengths. Conservative leverage, strong collateral, and a clean structure can make a loan attractive even when another factor is imperfect.

Good signs

  • Relevant completed projects
  • Clean purchase basis and realistic ARV
  • Realistic rehab or construction budget
  • Clear exit through sale, refinance, or hold
  • Borrower communicates directly and accurately
  • Meaningful equity or margin of safety
Process

Direct review, clear terms, clean closing.

— 01

Scenario

Send property address, requested loan amount, project type, timeline, and borrower background.

— 02

Conversation

If it looks reasonable, Daniel or Ryan will discuss the deal directly and identify what matters.

— 03

Parameters

We provide written lending parameters, conditions, and next steps if the loan fits.

— 04

Closing

Title, valuation, documents, closing, and draws move through a practical direct process.

Send a scenario

Have a rehab, bridge, or new construction deal?

Send the basic facts and we will let you know whether it is worth a deeper conversation.

Request lending parameters →