Program one · The Capital Desk

Operator One.

Every pro started with deal one. Operator One is for newer investors, borrowers with fewer than three completed exits, and operators whose credit profile calls for a stronger focus on the property, renovation plan, team, and exit strategy. We evaluate what this deal can become, not only what you have already done.

Potential leverageProgram terms

Up to 90% of the eligible purchase price plus up to 100% of eligible renovation costs.

Not a guarantee. Final financing depends on the full review below.

Who Operator One fits

First deal, or one to two completed exits
Newer investors building a track record
Wholesalers transitioning into fix-and-flips
A strong acquisition with a realistic renovation plan
Credit profiles that call for a project-focused review

What we evaluate

Purchase basis, renovation scope, and after-repair value
Contractor and project team, and closing timeline
Exit strategy and available liquidity
Credit profile and any additional collateral
Local market, title, documentation, and final underwriting

Illustrative Operator One projectExample only

ProjectGeorgia fix-and-flip

Purchase price$250,000

Renovation budget$75,000

Operator experienceOne completed exit

Potential structure: up to 90% of eligible purchase price plus up to 100% of eligible renovation costs. Illustrative only, subject to underwriting.

A starting point, not a discount lane

Operator One is the first stage of a long-term capital relationship. Complete your first projects well and the process, the pricing conversation, and the speed all improve as your track record grows. Reach three verified exits and your next deal may fit Operator Pro.

Start with a Capital Snapshot.

Eight questions, about a minute, no account and no long application. You see your preliminary program fit immediately.

Check my potential fit →