Question 1

What types of loans does Ducere Financial Group offer?

Accepted Answer

Ducere Financial Group offers Fix & Flip loans, Ground-Up Construction loans, DSCR (Debt Service Coverage Ratio) loans, Bridge loans, and Portfolio loans for real estate investors and developers. Loan amounts range from $150,000 to $10,000,000.

Question 2

How fast can I get a term sheet from Ducere Financial Group?

Accepted Answer

Ducere Financial Group issues term sheets within 72 hours of receiving a complete deal submission. You can submit your deal online and a team member will review it promptly.

Question 3

What credit score do I need to qualify for a fix and flip loan?

Accepted Answer

Ducere Financial Group typically requires a minimum credit score of 620 for most loan programs. However, we underwrite the deal, not just the borrower — deal quality, experience, and equity position are equally important factors.

Question 4

Does Ducere Financial Group lend in Georgia and Florida?

Accepted Answer

Yes. Ducere Financial Group is based in Alpharetta, Georgia and actively funds deals across Georgia and Florida. We also have lending partners that cover most US states.

Question 5

What is a DSCR loan and who is it for?

Accepted Answer

A DSCR (Debt Service Coverage Ratio) loan is a long-term rental property loan that qualifies based on the property's income rather than the borrower's personal income. It requires no personal tax returns or W-2s, making it ideal for self-employed investors and those with complex income structures.

Question 6

What makes Ducere Financial Group different from other private lenders?

Accepted Answer

Ducere Financial Group is uniquely backed by Ducere Construction Services, a NASCLA-accredited, multi-state licensed General Contractor operating in Georgia and Florida. This construction expertise allows us to accurately assess project risk, budgets, and timelines — giving investors a lender who truly understands the job from both sides of the table.

Question 7

What is the maximum loan amount for a hard money loan?

Accepted Answer

Ducere Financial Group offers hard money and private loans up to $10,000,000. For larger deals or portfolio financing needs, contact us directly to discuss structured capital solutions.

Question 8

Do I need experience to get a fix and flip loan?

Accepted Answer

Experience is beneficial but not always required. Ducere Financial Group works with first-time and seasoned investors. For newer investors, we may require stronger equity positions or additional reserves to mitigate risk.