Direct lender for real estate investors · 15 states + DC
A human says yes faster
than an algorithm says no.
Pre-approval in minutes, rates from 7.5%, and a dedicated Deal Advisor who actually looks at your deal — you're a client we invest in, not a ticket number.
Rates as of October 2026. Subject to change — call for today's pricing.
Trusted by investors across 15 states + DC
- No hard credit pull
- Dedicated Deal Advisor
- Free Deal Brief on every loan
40+ years
Combined lending experience
$100K – $5M
Deal size we fund
15 states + DC
Where we lend
Hours, not weeks
Time to answers
Why investors switch to Curlee
Platform speed. Human flexibility. You get the speed of a platform and the judgment of a person who can say yes.
1
Talk to the decision-maker
Your underwriter answers the phone. No ticket queues, no chatbots deciding your deal, no waiting on a committee three time zones away.
2
Terms the algorithms won't touch
Unusual deals, credit stories, mixed-use, big commercial. If it pencils, we structure it — and we tell you the same day either way.
3
Nothing hidden
Published rates. No interest reserve held back at closing. Zero prepayment penalty. The number we quote is the number you sign.
White-glove service
Every loan comes with a second opinion.
Every Curlee client gets a dedicated Deal Advisor — one person who knows your file and answers the phone — plus a free Curlee Deal Brief: our written analysis of your deal's market, comps, and underwriting math, with a straight verdict: would we put our own money in it, and why. The big platforms auto-generate a yes or no and move on. We show our work — even when the answer is “walk away.”
Curlee Capital
Deal Brief
Fix & Flip · terms confirmed by underwriting
Your investment property
1 · Area & market snapshot
- Comparable sales
- Recent, relevant sales
- Days on market
- Local market context
- Property condition
- Photos and scope review
- Exit assumptions
- Underwriter's analysis
Your brief includes market evidence for your property — not sample market figures.
Verdict
Market evidence · underwriting · a clear verdict
Loan programs
Four ways to fund a deal. One underwriter who knows all of them.
Fix & Flip
100% of rehab costs — no dollar cap. No appraisal required on fix & flip.
- 7.5%–10.95% IO
- Up to 90% LTC
- 100% rehab — no dollar cap
- 1–24 months
Rates as of October 2026. Subject to change — call for today's pricing.
See Fix & Flip loan detailsDSCR Rental
Qualify on the rent, not your W-2.
- Call for today's pricing
- Up to 75% LTVAvailable leverage varies by credit profile and property type — your Deal Advisor confirms your limit.
- 1.0+ DSCR
- 30-year term
Bridge
Close now, sort the exit later.
- Call for today's pricing
- Up to 75% LTV
- 6–36 months
- $100K–$5M
New Construction & Commercial
Ground-up and large commercial, structured by humans.
- Call for today's pricing
- Up to 85% LTC
- 12–36 months
- Up to $5M
Run the numbers before you call.
Our deal analyzer uses real Curlee leverage — 90% of purchase and 100% of rehab, always within our experience-based limits: 75% of ARV for 5+ deals completed in the last 24 months; 70% otherwise. No signup, no email wall.
Open the full deal tools
Fix & Flip Deal Analyzer
Every fix & flip deal is priced off its after-repair value. Enter your ARV and we'll show you exactly what we can fund — and what it takes if your deal is over the line.
Requested loan / ARV · LTARV
69.0%
69.0% — inside your 70% limit
70%75%
At the top of your tier
This is inside your 70% limit, but within five percentage points of the edge — your Deal Advisor will confirm final terms.
Requested at 90% purchase + 100% rehab: $345,000
Fundable after your 70% LTARV and $5M limits: $345,000
- Max offer at your ARV
- $305,556
- The most you can pay and still finance at full Curlee leverage.
- Total loan
- $345,000
- Cash to close
- $43,850
- Projected profit
- $60,763
- Profit margin / ARV
- 12.2%
- Curlee loan · $345,000
- Cash to close · $43,850
- Projected profit · $60,763
Rates as of October 2026. Subject to change — call for today's pricing.
Estimates include 3% origination, 7% selling costs, and 1% annual taxes/insurance. Not a commitment to lend.
No appraisal required on fix & flip — we use your photos and construction budget. ARV estimates here are for planning; your underwriter confirms value.
What our borrowers say.
“I called and got a real person who could actually answer my questions. That shouldn't be unusual, but it is.”
“The terms came back the same day. Straight answers, without having to chase anyone.”
“The underwriter knew the file when we talked. I didn't have to start from scratch every time I called.”
“No surprises at closing. What we talked through up front was what I saw when it was time to sign.”
“I care about what I'm signing, not the sales pitch. The number they quoted was the number on the paperwork.”
“No prepayment penalty was a big reason I went with Curlee. I wanted the flexibility to move on when I was ready.”
“The written Deal Brief was useful. It gave me something to sit down with and think through, not just a yes on the phone.”
“They were willing to look when other lenders weren't. I'd come back to them for the next one.”
Why investors trust Curlee
BBB Accredited Business
Austin Chamber of Commerce member
Real Estate Council of Austin member
Lending in 15 states + DC · $100,000 to $5,000,000 · No appraisal on fix & flip
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.
Just Funded
Representative recent transactions. Terms vary by deal.