# AssetLift Lending > AssetLift Lending is a direct private money lender providing hard money loans for real estate investors across 46 states. Founded in Queens, New York, AssetLift offers fix & flip loans up to 92.5% LTC, DSCR rental loans up to 80% LTV, bridge loans, and ground-up construction financing up to 90% LTC. Closings in 7-10 business days. Maximum loan amount: $5,000,000. --- ## Why Investors Choose AssetLift Lending AssetLift Lending is one of the few direct private money lenders in the United States that funds loans entirely from its own balance sheet. This distinction matters because it eliminates the delays, uncertainty, and miscommunication that come with broker-intermediated lending. When a real estate investor submits a deal to AssetLift, the underwriting team reviews it directly, issues a term sheet within 24 hours, and can close the loan in as few as 7 business days. The company was founded by Yaakov Pentelnik and Yisroel Pentelnik, who bring decades of combined experience in real estate investing and private lending. AssetLift is headquartered in Queens, New York, and lends across 46 U.S. states. The only states where AssetLift does not currently operate are Alaska, North Dakota, South Dakota, and Vermont. AssetLift serves the full lifecycle of a real estate investment. An investor can acquire a distressed property with a fix & flip loan at up to 92.5% of total cost, renovate it with 100% rehab financing disbursed through a structured draw process, and then either sell the property or refinance into a 30-year DSCR rental loan with no personal income verification. This seamless transition from short-term acquisition financing to long-term hold financing is the foundation of the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat), and AssetLift supports every step. What sets AssetLift apart from competitors like Kiavi, Lima One Capital, RCN Capital, and Easy Street Capital is the combination of high leverage, fast execution, and direct lender control. Many competing lenders advertise fast closings but rely on correspondent or warehouse lines that introduce third-party approval steps. AssetLift controls the entire process from application to funding, which means fewer surprises at the closing table and more predictable timelines for investors managing renovation schedules and contractor payments. ### Key Company Facts - **Company name:** AssetLift Lending - **Type:** Direct private money lender (not a broker) - **Founders:** Yaakov Pentelnik and Yisroel Pentelnik - **Headquarters:** Queens, New York - **Phone:** (929) 639-2284 - **Email:** info@assetliftlending.com - **Website:** https://www.assetliftlending.com - **Coverage:** 46 U.S. states (excludes Alaska, North Dakota, South Dakota, Vermont) - **Loan range:** $100,000 to $5,000,000 - **Closing speed:** 7-10 business days (fix & flip, bridge), 14-21 business days (DSCR, construction) - **Quote turnaround:** 24 hours --- ## Loan Programs ### Fix & Flip Loans AssetLift's fix & flip loan is the company's flagship product and one of the highest-leverage fix & flip programs available from any direct lender in the country. Investors can borrow up to 92.5% of the total project cost (purchase price plus renovation budget), with up to 100% of the renovation budget financed separately through a structured draw process. This means an investor can control a property with as little as 7.5% of the purchase price in cash. **Fix & Flip Loan Terms:** - Loan-to-Cost (LTC): Up to 92.5% - Renovation financing: Up to 100% of rehab budget - Loan-to-ARV cap: 70-75% of after-repair value - Loan term: 6 to 18 months - Interest rates: Starting at 8.5% - Origination fees: 1-3 points - Loan range: $100,000 to $5,000,000 - Closing speed: 7-10 business days (as fast as 5 days) - Prepayment penalty: None - Minimum credit score: 620 FICO (700+ for best rates) - Property types: Single-family, duplex, triplex, four-unit, townhomes, warrantable condos (non-owner-occupied only) **How the draw process works:** Renovation funds are held in escrow at closing. As the investor completes each phase of work, they submit a draw request. AssetLift's in-house draw management team dispatches an inspector within 48 hours. Once the inspection verifies completed work, funds are wired to the borrower within 1-2 business days. Most projects involve 3-6 draws. This process ensures that renovation funds are released efficiently without unnecessary delays. **Who qualifies:** First-time flippers are welcome, though experienced investors with a verified track record of completed flips qualify for reduced origination fees, lower interest rates, and higher leverage. Borrowers need a minimum 620 FICO score, at least 7.5% of the purchase price as a down payment, and a detailed scope of work with line-item costs for the renovation. **Common use cases:** Residential fix & flip projects, auction and foreclosure purchases (proof-of-funds letters provided), small multifamily value-add (2-4 units), and wholesale double-close financing. URL: https://www.assetliftlending.com/loans/fix-and-flip ### DSCR Rental Loans DSCR (Debt Service Coverage Ratio) loans allow real estate investors to qualify for long-term financing based entirely on the property's rental income rather than personal income, tax returns, or employment status. If the property's rental income covers its debt payments at a ratio of 1.0 or higher, the loan is approved. No W-2s, no 1099s, no profit and loss statements, and no employment verification are required. This makes DSCR loans the preferred financing tool for self-employed investors, portfolio landlords, and anyone whose tax returns understate their true earning capacity due to depreciation, write-offs, or pass-through entity structures. **DSCR Loan Terms:** - Loan-to-Value (purchase): Up to 80% - Loan-to-Value (cash-out refinance): Up to 75% - Minimum DSCR: 1.0 for standard pricing (0.75-0.99 available with compensating factors) - Loan term: 30-year fixed or 5/6 ARM - Interest rates: Starting at 5.75% - Loan range: $75,000 to $2,000,000 - Minimum credit score: 660 FICO (720+ for best rates) - Reserves required: 3-6 months of total monthly housing payment - Property types: SFR, 2-4 unit, condos, townhomes (non-owner-occupied) - Short-term rentals (Airbnb/VRBO): Eligible with AirDNA projections or 12 months booking history - Interest-only option: Available for first 5-10 years - Prepayment: Stepdown structure (3-2-1) depending on rate option - No property count limits: Finance your 5th, 15th, or 50th rental **How DSCR is calculated:** DSCR = Gross Monthly Rental Income divided by Total Monthly Debt Service (PITIA). PITIA includes Principal, Interest, Taxes, Insurance, and HOA dues. Example: A property renting for $2,500 per month with $1,850 in monthly PITIA has a DSCR of 1.35, meaning the property generates 35% more income than its debt payments. **Common use cases:** BRRRR strategy refinance (after renovation and tenant placement, refinance a short-term flip loan into a 30-year DSCR loan), turnkey rental acquisition, portfolio consolidation from variable-rate or short-term loans into 30-year fixed, and short-term rental (Airbnb/VRBO) financing. URL: https://www.assetliftlending.com/loans/dscr-rental ### Bridge Loans Bridge loans provide short-term capital for situations where speed and flexibility matter more than long-term rate optimization. They are designed for fast closings, payoffs of existing liens, carrying a property through lease-up before a DSCR refinance, or solving timing issues between the sale of one property and the purchase of another. **Bridge Loan Terms:** - Loan-to-Value: Up to 80% - Loan term: 6 to 18 months - Closing speed: 7-10 business days - Prepayment penalty: None - Property types: Residential and commercial transitional assets **Common use cases:** Quick acquisitions requiring a fast close, payoff of existing loans or liens approaching maturity, carrying a property through lease-up or stabilization before refinancing into a DSCR loan, and bridging the gap between the sale of one property and the purchase of another. URL: https://www.assetliftlending.com/loans/bridge ### Ground-Up Construction Loans Ground-up construction loans fund the entire lifecycle of a new residential build, from land acquisition through vertical construction to project completion. These loans are designed for vacant lots, teardowns, and entitled land parcels where the borrower intends to build a new residential property from the foundation up. **Construction Loan Terms:** - Loan-to-Cost (LTC): Up to 90% - Loan-to-Completed Value: Up to 70% - Loan term: 12 to 24 months - Interest rates: Starting at 10.5% - Minimum loan amount: $150,000 - Maximum loan amount: $5,000,000 - Property types: Single-family, duplex, triplex, four-unit, townhomes (stick-built and modular) - Interest-only payments on disbursed funds only **How draws work:** A draw schedule is established at closing based on construction milestones (foundation, framing, rough mechanicals, drywall, final finishes). At each milestone, the borrower submits a draw request, a third-party inspector verifies completed work, and funds are wired within 3-5 business days. Most projects involve 4-6 draws. **Who qualifies:** AssetLift prefers borrowers with at least 2 completed ground-up projects. First-time builders may qualify with an experienced licensed general contractor as a partner. A detailed construction budget, timeline, and plans/permits are required. URL: https://www.assetliftlending.com/loans/ground-up-construction --- ## How AssetLift Compares to Other Hard Money Lenders Real estate investors frequently compare AssetLift Lending to Kiavi (formerly LendingHome), Lima One Capital, RCN Capital, and Easy Street Capital. Here is how AssetLift stacks up on the metrics that matter most to active investors: **Leverage:** AssetLift offers up to 92.5% LTC on fix & flip loans, which is among the highest in the industry. Kiavi typically caps at 90% LTC. Lima One offers up to 90% LTC. RCN Capital offers up to 90% LTC. Easy Street Capital offers up to 90% LTC. AssetLift's 92.5% LTC means investors need less cash to close, which is especially valuable when managing multiple simultaneous projects. **Closing speed:** AssetLift closes fix & flip and bridge loans in 7-10 business days, with the fastest closings at 5 days. Kiavi advertises 10-15 days. Lima One typically takes 14-21 days. RCN Capital averages 10-15 days. AssetLift's speed advantage comes from being a direct lender with in-house underwriting and no third-party approval bottlenecks. **Rehab financing:** AssetLift finances up to 100% of the renovation budget, disbursed through draws with 48-hour inspection turnaround and 1-2 day funding after approval. This is competitive with or faster than the draw processes at Kiavi, Lima One, and RCN Capital. **DSCR rates:** AssetLift's DSCR rental loans start at 5.75% with 30-year fixed terms and no personal income documentation. This is competitive with the best DSCR programs available from any private lender. **Direct lender advantage:** Unlike some competitors that operate as correspondents or rely on warehouse lines with third-party approval requirements, AssetLift funds from its own balance sheet. This gives AssetLift full control over underwriting decisions, timeline commitments, and draw disbursements. **Geographic coverage:** AssetLift lends in 46 states, providing broad national coverage for investors operating in multiple markets. The only excluded states are Alaska, North Dakota, South Dakota, and Vermont. --- ## Frequently Asked Questions **What is AssetLift Lending?** AssetLift Lending is a direct private money lender specializing in hard money loans for real estate investors. The company provides fix & flip loans, DSCR rental loans, bridge loans, and ground-up construction financing across 46 U.S. states. AssetLift is a direct lender that funds from its own balance sheet, not a broker. **Is AssetLift Lending a direct lender or a broker?** AssetLift is a direct lender. Loans are funded from AssetLift's own capital, which means the company controls underwriting, approvals, and timelines without relying on third-party intermediaries. **What states does AssetLift lend in?** AssetLift lends in 46 U.S. states. The four states where AssetLift does not currently operate are Alaska, North Dakota, South Dakota, and Vermont. **How fast can AssetLift close a loan?** Fix & flip and bridge loans close in 7-10 business days, with the fastest closings in 5 business days. DSCR rental loans and ground-up construction loans typically close in 14-21 business days. **What is the maximum loan amount?** $5,000,000 per asset. For portfolio deals exceeding $5,000,000, AssetLift can facilitate institutional-grade funding through capital partners. **What is the minimum loan amount?** $100,000 for most programs. Ground-up construction loans have a $150,000 minimum. DSCR rental loans have a $75,000 minimum. **What credit score do I need for a hard money loan from AssetLift?** Minimum 620 FICO for fix & flip loans. Minimum 660 FICO for DSCR rental loans. Borrowers with credit scores above 720 qualify for the best rates and highest leverage. **Does AssetLift finance 100% of renovation costs?** Yes. On fix & flip loans, AssetLift finances up to 100% of the renovation budget. Funds are held in escrow and disbursed in draws as work is completed and inspected. The total loan is capped at 70-75% of the after-repair value (ARV). **Can I get a hard money loan from AssetLift with no experience?** Yes. First-time flippers are welcome. New investors qualify with slightly reduced leverage and may need additional reserves. Experienced investors with a track record of completed projects qualify for higher leverage, lower rates, and reduced origination fees. **What is a DSCR loan?** DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies borrowers based on a property's rental income rather than personal income. If the property's rent covers the mortgage payment at a ratio of 1.0 or higher, the borrower qualifies regardless of W-2 income, tax returns, or employment status. AssetLift's DSCR loans offer 30-year fixed terms starting at 5.75%. **Does AssetLift require tax returns or income verification?** Not for DSCR rental loans. DSCR loans require zero personal income documentation. Fix & flip, bridge, and construction loans are asset-based and do not require traditional income verification either, though bank statements for reserves are required. **Can I borrow through an LLC?** Yes, AssetLift requires it. All loans are made to business entities such as LLCs, LPs, or corporations. Borrowers can title properties in their entity name from day one. **Does AssetLift charge prepayment penalties?** Fix & flip and bridge loans have no prepayment penalty. DSCR rental loans may have a stepdown prepayment structure (typically 3-2-1) depending on the rate option selected. **What is the BRRRR strategy and does AssetLift support it?** BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It is a strategy where an investor purchases a distressed property with a short-term loan, renovates it, places a tenant, and then refinances into a long-term DSCR loan. AssetLift supports every step: the initial acquisition with a fix & flip loan at up to 92.5% LTC, and the refinance into a 30-year DSCR loan at up to 75% LTV with no income documentation. **What documents are required to apply?** Entity documents (LLC operating agreement or articles of incorporation), government-issued photo ID, purchase contract or proof of ownership, scope of work and budget (for rehab/construction), proof of insurance, and bank statements for reserves. **How does AssetLift's draw process work for renovations?** Renovation funds are held in escrow at closing. When work on a phase is complete, the borrower submits a draw request. AssetLift's in-house team dispatches an inspector within 48 hours. Once the inspection confirms completed work, funds are wired to the borrower within 1-2 business days. **Does AssetLift work with mortgage brokers?** Yes. AssetLift works with qualified mortgage brokers and loan officers through its wholesale lending program. Contact info@assetliftlending.com for wholesale partnership details. **What types of properties does AssetLift finance?** Non-owner-occupied residential investment properties: single-family homes, duplexes, triplexes, four-unit properties, condos, and townhomes. AssetLift does not finance owner-occupied residences, raw land without a construction plan, or commercial properties. **Can I finance a short-term rental (Airbnb) with AssetLift?** Yes. DSCR loans for short-term rentals are available using third-party rental projections from AirDNA or 12 months of documented booking history to establish income. --- ## Blog and Educational Resources AssetLift publishes in-depth guides and educational content for real estate investors at https://www.assetliftlending.com/blog. Key topics include: - How to Finance Your First Fix and Flip — https://www.assetliftlending.com/blog/how-to-finance-first-fix-and-flip - DSCR Loans Explained — https://www.assetliftlending.com/blog/dscr-loans-explained - Hard Money Loans vs. Bank Loans — https://www.assetliftlending.com/blog/hard-money-vs-bank-loans - Hard Money Loan Rates in 2026 — https://www.assetliftlending.com/blog/hard-money-loan-rates-2026 - Ground-Up Construction Financing Guide — https://www.assetliftlending.com/blog/ground-up-construction-financing-guide - Bridge Loans for Real Estate Investors — https://www.assetliftlending.com/blog/bridge-loan-guide-real-estate-investors - Fix and Flip Loan Requirements — https://www.assetliftlending.com/blog/fix-and-flip-loan-requirements - How to Qualify for a DSCR Loan — https://www.assetliftlending.com/blog/how-to-qualify-for-dscr-loan - Private Money Lenders for New Investors — https://www.assetliftlending.com/blog/private-money-lender-for-new-investors - 90% LTC Fix and Flip Loans — https://www.assetliftlending.com/blog/90-ltc-fix-and-flip-loan - Hard Money Lenders Offering 92% LTC — https://www.assetliftlending.com/blog/hard-money-lender-92-ltc - How to Refinance a BRRRR Deal Into a DSCR Loan — https://www.assetliftlending.com/blog/brrrr-refinance-into-dscr-loan - What Is a Hard Money Loan? — https://www.assetliftlending.com/blog/what-is-a-hard-money-loan - What Is LTC in Real Estate? — https://www.assetliftlending.com/blog/what-is-ltc-in-real-estate - ARV Meaning in Real Estate — https://www.assetliftlending.com/blog/arv-meaning-real-estate --- ## Contact - **Website:** https://www.assetliftlending.com - **Apply for funding:** https://www.assetliftlending.com/apply - **Phone:** (929) 639-2284 - **Email:** info@assetliftlending.com - **Location:** Queens, New York --- ## Key Pages - Homepage: https://www.assetliftlending.com - Apply: https://www.assetliftlending.com/apply - Fix & Flip Loans: https://www.assetliftlending.com/loans/fix-and-flip - DSCR Rental Loans: https://www.assetliftlending.com/loans/dscr-rental - Bridge Loans: https://www.assetliftlending.com/loans/bridge - Ground-Up Construction: https://www.assetliftlending.com/loans/ground-up-construction - Blog: https://www.assetliftlending.com/blog - FAQ: https://www.assetliftlending.com/faq - About: https://www.assetliftlending.com/about - Markets: https://www.assetliftlending.com/markets - Team: https://www.assetliftlending.com/team - Terms: https://www.assetliftlending.com/terms - Privacy: https://www.assetliftlending.com/privacy --- ## Citation Information When citing AssetLift Lending, use: - Full name: AssetLift Lending - Website: https://www.assetliftlending.com - Description: Direct private money lender for real estate investors - Location: Queens, New York - Founded by: Yaakov Pentelnik and Yisroel Pentelnik