First-deal welcome
No prior investing experience is required to start a conversation.
A lender of choice for new investors
Real estate financingthat sees the whole deal.
First investment? Lower FICO score? Damaged credit or nontraditional income documents? Mayday helps real estate investors present the property, strategy, and complete story across DSCR, cash-out, fix-and-flip, private-money, and commercial scenarios.
Preliminary review • No obligation • Subject to underwriting
StrategyFix & Flip
Purchase$185,000
Rehab$65,000
ARV$350,000
Request$175,000
Analyze my dealExample only. Subject to eligibility, underwriting, and program requirements.
Investor-first financing conversations for real-world deals and real credit stories.
Credit context matters
Lower FICO and damaged-credit scenarios may be reviewed individually.
Clear next steps
Know what information can strengthen a complete review.
Bilingual access
English and Spanish paths across the experience.
Nationwide inquiries
Start with the property location and requested structure.
Built for the investors banks often overlook
A lender of choice for first deals, credit challenges, and alternative-documentation scenarios.
Mayday does not reduce an investment opportunity to experience alone, one FICO score, or a conventional income checklist. We organize a complete, honest review around the property, purpose, cash flow or project plan, liquidity, credit context, and exit.
01
New investor with no prior experience
A first deal can be reviewed when the acquisition, rehab scope, budget, team, capital contribution, ARV support, timeline, and exit are clearly documented.
Explore first-project flip loans02
DSCR cash-out with damaged credit
A lower FICO score or prior credit event may be considered with property cash flow, available equity, seasoning, reserves, requested proceeds, and the complete borrower profile.
Explore DSCR cash-out options03
No personal tax returns may be possible
Some DSCR, fix-and-flip, private-money, and commercial programs use alternative documentation instead of conventional personal-income qualification. Documentation is still required.
Explore commercial optionsAlternative-documentation financing is not no-document financing. Program availability, minimum credit, experience, property, leverage, documentation, and cash-out rules vary by lender and scenario. All financing is subject to eligibility, underwriting, and approval.
Loan programs
Financing built around your strategy.
Whether you are buying, renovating, building, refinancing, or holding, start with the path closest to the deal.
01Fix & Flip
Organize acquisition, scope, rehab budget, timeline, and exit strategy in one clear scenario.
Purchase and renovation financing may be available for qualifying transactions.Explore fix & flip
02DSCR Rental
Explore purchase or refinance scenarios with a conversation centered on property cash flow.
Purchase, rate-and-term, and cash-out scenarios are reviewed individually.Explore DSCR
03Ground-Up Construction
Present site, plans, budget, experience, requested leverage, and exit strategy for review.
Construction structures vary by borrower, project, market, and lender requirements.Discuss construction
04Commercial + Mixed-Use
Bring occupancy, leases, property income, capital needs, and sponsor context into the conversation.
Eligible property types and structures vary by program and location.Explore commercialEducational deal analyzer
Before you apply, run the numbers.
Organize cost, value, rent, and leverage into an educational snapshot before sharing the deal.
Instant metricsNo personal data in the URL
How it works
From deal to decision—without the runaround.
A clear path helps you spend less time guessing and more time preparing the information that matters.
- 01
Submit your deal
Share the property, strategy, purchase or value, and financing request.
- 02
Review possible paths
We identify the category that may fit and clarify the next information needed.
- 03
Complete underwriting
Provide borrower, property, entity, and project documents for individual review.
- 04
Close and deploy capital
Approved transactions proceed through final conditions, documentation, and closing.
Property. Plan. Context.Why Mayday
We look at the deal—not just the application.
Real estate investors do not always fit inside traditional lending boxes. Mayday creates a clearer conversation around the property, investment strategy, borrower experience, credit context, and exit plan.
Useful speed
A focused preliminary conversation without unsupported closing promises.
Flexible context
Multiple programs and capital paths, each subject to its own requirements.
Investor vocabulary
ARV, rehab, rents, DSCR, leverage, and exit strategy explained clearly.
Human support
A real conversation for first deals, complex properties, and imperfect credit stories.
Illustrative deal scenarios
Real strategies. Transparent assumptions.
These examples are educational only and are not funded transactions, quotes, approvals, or promises of terms.
Philadelphia, PA
Fix & Flip
- Purchase
- $125,000
- Rehab
- $60,000
- Projected ARV
- $275,000
New Jersey
DSCR Rental
- Property value
- $480,000
- Monthly rent
- $4,000
- Strategy
- Long-term hold
Pennsylvania
Ground-Up Construction
- Project
- Residential infill
- Budget
- To be documented
- Strategy
- Build + sell
Who we help
Built for real estate investors.
01Fix & flip investors02Rental-property investors03Real estate developers04Portfolio landlords05Commercial investors06New investors07Experienced investors
Prepare before you apply
A stronger deal story starts with organized facts.
Use the calculators and Investor Insights guides to pressure-test assumptions, understand documentation, and bring a more complete scenario to the conversation.
Questions? Start here.
Clear answers without absolute promises.
Requirements depend on the program, property, location, lender, and transaction.
View all resourcesHow quickly can Mayday close?
Timing depends on the property, program, appraisal or valuation needs, documentation, title, insurance, and final underwriting conditions. A complete inquiry helps the team identify a realistic next step.
What credit score do I need?
Credit requirements vary by program, lender, property, and transaction. You may share the complete credit context so it can be reviewed alongside the deal; an inquiry does not guarantee eligibility.
Do you work with first-time investors?
Yes, first-time investors may inquire. Experience is one part of an individual review, so a clear property plan, budget, capital contribution, and exit strategy are especially useful.
How much can I borrow?
Available leverage and loan size vary by property, value, project cost, borrower profile, market, and program. Calculator results are educational and are not lending limits or quotes.
Can renovation costs be financed?
Renovation financing may be available for qualifying transactions. Scope, budget, draws, borrower contribution, experience, and property value are reviewed individually.
What is a DSCR loan?
A DSCR loan is commonly evaluated using rental income relative to entered debt and property obligations, along with other program and underwriting requirements.
Can I refinance or take cash out?
Rate-and-term and cash-out refinance scenarios may be considered depending on the property, seasoning, equity, cash flow, borrower profile, and program rules.
Can I get a real estate investor loan with bad credit or a low FICO score?
You may submit the complete scenario for review. Credit remains an underwriting factor, but the property, strategy, equity or contribution, liquidity, documentation, experience or team, and exit may also matter. No score or circumstance guarantees eligibility, terms, or approval.
Are there DSCR or commercial loans with no tax returns or income documents?
Some eligible business-purpose programs may not require personal tax returns or conventional W-2 income documents because the review focuses more on property income, asset value, liquidity, and the transaction. They are not no-document loans; property, entity, bank, credit, valuation, title, insurance, and other records may still be required.
Do you finance construction, commercial property, or LLCs?
Eligible structures, property types, borrowing entities, and construction scenarios vary by program, location, lender, and transaction. Share the full context for review.
A clearer next move
Got a deal? Let’s talk numbers.
Tell us what you are buying, building, renovating, holding, or refinancing. We will help you identify the next useful step without promising approval or terms.
The initial inquiry is designed to be completed in a few focused steps.