Unnie Lending
Real estate financing starts with your project
A property financing decision starts with the project itself. A rental acquisition, a ground-up build, and a renovation intended for resale each create different cash-flow needs. Unnie Lending brings these financing topics together so you can organize your questions around how the property will be used, what work is required, and what happens when the initial financing ends.
Start with the purpose of the property
Decide whether you plan to hold the property for rental income, build new improvements, repair an existing building, or sell after renovation. That purpose helps frame the financing discussion. A program name alone does not establish whether a specific property or borrower is eligible.
Prepare a short project summary that includes the purchase price, current condition, expected improvements, available cash, and intended timeline. Separating known figures from estimates makes it easier to identify the information still needed before comparing financing proposals.
DSCR loans for rental property questions
Debt service coverage ratio financing focuses on the relationship between a property’s rental income and its debt obligations. Rental documentation, operating assumptions, property condition, and the proposed payment all matter to the discussion. A strong rent estimate should be supported by appropriate evidence rather than the amount you hope to collect.
Construction loans for new development
A construction project requires a funding plan that accounts for land, plans, permits, contractor costs, inspections, and the release of funds as work progresses. Organizing the budget by stage helps reveal when money is needed and which costs may have to be paid before a draw is available.
Rehab and fix & flip financing
Rehab financing addresses improvement work on an existing property. Fix & flip financing connects that work to a resale strategy. In both cases, the scope of repairs and the time required to complete them are central planning issues. The resale approach also needs a realistic allowance for marketing time and selling expenses.
Bridge loans for a transition
Bridge financing can be considered when a property purchase or ownership transition occurs before longer-term arrangements are ready. The important questions are how long the financing is expected to remain outstanding, what event will repay it, and what happens if that event takes longer than planned.
Geographic focus
The areas identified for this site are Chandler, Arizona, Phoenix, and Scottsdale. The Arizona page provides a statewide planning context, while the city pages focus on organizing property-level questions for those locations. Naming an area does not establish that every property or financing program is eligible.
Prepare for the next conversation
Keep the property address, intended use, project budget, ownership information, and proposed repayment plan together. Before making a commitment, obtain the actual terms and requirements for your situation. Review the payment structure, fees, draw process where applicable, maturity date, and any conditions attached to approval.