01
Fast, Reliable Execution
We are built for investor timelines. Our streamlined underwriting and direct decision-making process allow us to move quickly from application to closing, helping you secure opportunities before competitors.
Maximum Loan-to-Value (LTV): Up to 75%
At OPS Loans, our goal is simple: help serious investors close more deals with confidence. We prioritize speed, communication, and consistency so you can focus on executing your investment strategy.
Fix & Flip Loan Terms
OPS Loans provides short-term financing for residential investment properties under the following general guidelines:
All loans are subject to underwriting review, property evaluation, and borrower qualifications.
Why Investors Choose OPS Loans?
Interest Rate: 12% (interest-only payments)
02
Investor-Focused Lending
Unlike traditional lenders, we focus primarily on the strength of the asset and the deal. Our flexible approach is designed for real estate investors who need practical solutions — not unnecessary red tape.
Origination Fee: 2% of the loan amount
03
Transparent, Competitive Terms
We believe in straightforward pricing and clear expectations. Our loan structures are designed to help investors maximize leverage while maintaining predictable project costs.
Loan Type: Asset-based, short-term bridge loan
Frequently Asked Questions:
How does the 'No-Doc' approval process work for investors?
Our asset-based lending model focuses exclusively on the potential of the real estate investment. By eliminating requirements for personal financial documents, tax returns, and employment history, we provide a streamlined path to capital that rewards your investment strategy rather than your paperwork.
Is an official appraisal always required for property funding?
We utilize proprietary market data analysis to verify property values swiftly. In many cases, this allows us to offer 'No-Appraisal' loans, significantly reducing the closing timeline and associated costs for experienced investors looking to move quickly on new opportunities.
Are there penalties for paying off the loan earlier than scheduled?
Flexibility is at the core of OPS Loans LLC. Our primary loan structures are designed with zero prepayment penalties, ensuring you can refinance or exit a property whenever it is most advantageous for your portfolio's growth.
Which states and property types are currently eligible?
We serve professional real estate investors across most major US markets. We primarily fund non-owner occupied properties, including single-family rentals, multi-family units, and fix-and-flip projects, with loan amounts tailored to the market value of the asset.