Strategic Private Lending for Residential Real Estate
Flexible financing solutions structured to move as fast as today’s real estate market demands.
PML Investment Network LLC structures smart, asset-backed loans that help investors acquire, build, stabilize, and scale.
Click below to receive your free strategy review for your project.
Speed + Certainty of Execution
When opportunity moves, your capital should too. PML Investment Network delivers streamlined underwriting, clear communication, and efficient closings — so you can secure the deal without unnecessary delays.
Strategic, Asset-Based Lending
We underwrite the asset, the strategy, and the exit. Our financing is structured around real property value, project viability, and disciplined risk management — not red tape or rigid banking formulas.
Deal Structure Expertise
Every deal begins with the end in mind.
We help investors structure capital based on leverage, timeline, and exit strategy — whether flipping, refinancing, building, or scaling a portfolio.
Fix & Flip Loans
Bridge Financing for Residential 1–4 Unit Properties
PML Investment Network provides short-term bridge financing for real estate investors acquiring and renovating residential 1–4 unit properties.
Our fix & flip program is designed for speed, simplicity, and asset-based underwriting — so you can secure the property, complete renovations, and exit profitably.
Loan Overview
Loan Amount
$50,000 – $3,000,000
Property Type
Non-owner occupied residential 1–4 unit properties
Loan Terms
Term Length
12 months standard
18-month extension option available on a case-by-case basis
Maximum Loan-to-Cost (LTC)
Up to 90% of purchase price
Maximum Loan-to-After-Repair Value (ARV)
Up to 75% ARLTV
Recourse
Full recourse only
Experience Requirements
No prior fix & flip experience required.
We work with both new and experienced investors, provided the asset, scope of work, and exit strategy meet underwriting guidelines.
Built for Speed
Our underwriting focuses on:
Asset value
Scope of renovation
After-repair value
Exit strategy
We prioritize fast decisions and clear terms so you can move confidently in competitive markets.
About Us
About PML Investment Network LLC
PML Investment Network LLC is a Texas-based private money lender providing strategic real estate financing across 45 U.S. states.
We specialize in asset-backed bridge and term lending for residential investors, builders, and portfolio operators who need speed, structure, and certainty of execution.
Unlike traditional banks, our underwriting focuses on the strength of the asset, the viability of the project, and the clarity of the exit strategy — not unnecessary red tape.
Between PML Investment Network and our funding partners, more than $12 billion in real estate loans have been funded nationwide.
This collective lending experience allows us to support projects ranging from single-property fix & flips to multi-property rental portfolios and ground-up developments.
What We Do
We provide capital solutions for:
Fix & Flip Loans | Ground-Up Construction Loans | Stabilized Bridge Financing
Single Rental Term Loans | Rental Portfolio Financing
Our model combines disciplined risk management with fast decision-making — giving investors the capital they need to move confidently in competitive markets.
Our Approach
At PML Investment Network, we believe capital should be:
Strategic – Structured around your project and exit plan
Efficient – Designed for fast approvals and closings
Disciplined – Backed by conservative underwriting
Scalable – Built to support long-term investor growth
We are committed to building lasting relationships with serious real estate investors who value performance, professionalism, and transparency.
Built for Execution
Whether you are acquiring your first investment property or expanding a multi-state portfolio, PML Investments delivers private capital backed by experience, performance, and national lending reach.
Ineligible Property Types
PML Investment Network does not finance:
5+ unit multifamily properties
Mixed-use or commercial properties
Co-ops or TICs
Properties subject to oil/gas leases
Operating farms or orchards
Rural properties
g
Ground-Up Construction Loans
Bridge Financing for Residential 1–4 Units
PML Investments provides short-term bridge financing for experienced real estate investors building residential properties from the ground up.
We focus on asset-backed lending with structured capital designed to move efficiently through acquisition, construction, and exit.
Loan Overview
Loan Amounts
$50,000 – $3,000,000
Property Types
Non-owner occupied residential 1–4 unit properties, including:
Single-family homes
Townhomes
Condominiums
Property Scope
1–2 property projects
Small developments (2+ units) with prior similar project experience
Loan Structure
Term Length
Up to 24 months available (1–2 properties)
12 months standard, up to 18 months at lender discretion (small developments)
Maximum Loan-to-Cost (LTC)
Up to 75% of the lower of land value or purchase price, plus construction costs
Up to 75% of total project costs (qualified investors)
Maximum Loan-to-After-Repair Value (ARV)
Up to 70%
Recourse
Full recourse
Experience Requirements
1–2 Property Projects
Prior real estate experience required
Minimum 2 similar ground-up builds preferred
Experienced guarantors may be considered
Small Developments
Proven real estate development experience required
Minimum 3 prior ground-up projects
General contractor experience and permit history required
Experienced guarantors reviewed case-by-case
Built for Investors Who Execute
We lend to investors and builders who understand timelines, budgets, and exit strategy. Our underwriting focuses on:
Asset value
Construction feasibility
Clear exit strategy
Risk management
g
Stabilized Bridge Loans
Residential 1–4 Unit Properties
Stabilized Bridge Loans
Residential 1–4 Unit Properties
PML Investments provides short-term bridge financing for stabilized residential investment properties. This program is designed for properties that are recently renovated, constructed, or currently rented but not yet ready for permanent financing.
We offer two structures: DSCR Exit and No DSCR options.
Loan Overview
Loan Amount
$50,000 – $3,000,000
Term Length
12 months
Property Types
Single-family residences
2–4 unit properties
Townhomes
PUDs
Warrantable condominiums
DSCR Exit Option
Purpose
Designed for properties that were recently renovated or constructed and are currently listed (or soon to be listed) for sale.
Maximum Loan-to-Cost
Up to 85% of purchase price plus verified completed capex if property owned less than 6 months.
Maximum Loan-to-Value
Up to 70% LTV
Minimum FICO
660
Minimum DSCR
Not required
Property Condition
C2 or better
Collateral Requirements
Property value must fall within the 90th percentile of the local market.
No rural, exotic, or unique properties.
No DSCR Option
Purpose
Designed for properties that are currently rented or soon to be rented but are not yet ready for permanent financing.
Maximum Loan-to-Value
Up to 70% LTV
Minimum FICO
660
Minimum DSCR
1.10 exit DSCR based on the lower of in-place rent or market rent
Property Condition
C4 or better with no deferred maintenance
Collateral Restrictions
No rural, exotic, or unique properties.
Built for Transition Financing
Our Stabilized Bridge program helps investors:
Transition from renovation to resale
Season rental properties before refinance
Capture equity while preparing for long-term financing
Maintain flexibility in changing market conditions
g
Single Property Rental Loans
Long-Term Financing for Residential 1–4 Units
PML Investments provides long-term rental financing for residential investment properties. This program is designed for investors seeking stable, predictable financing for single rental properties.
Loan Overview
Loan Amount
$75,000 – $2,000,000
Property Types
Single-family residences (SFR)
2–4 unit properties
Warrantable condominiums
Townhomes
PUDs
Loan Terms
Term Length
30-year term
Rate Options
Fixed rate available
Adjustable rate options available
Loan Structure
Maximum Loan-to-Cost
If owned less than 3 months: up to 80% of total cost basis
Maximum Loan-to-Value (LTV)
Up to 80% for purchase and rate & term refinance
Up to 75% for cash-out refinance
Recourse
Full recourse only
Qualification Requirements
Minimum FICO
660
Experience
Not required
Lease Requirements
Leased Units
Rent used for underwriting is the lower of in-place rent or market rent
Unleased Units
Underwritten at 90% of market rent
Designed for Rental Investors
This program is ideal for investors who:
Are building long-term rental portfolios
Need predictable financing
Want 30-year stability
Are refinancing stabilized rental properties
g
Rental Portfolio Loans
Term Financing for Residential Investment Properties
PML Investments provides long-term financing solutions for investors managing multiple rental properties. Our Rental Portfolio Loan program is designed for non-owner occupied residential assets and structured to support stable, income-producing portfolios.
This program is ideal for investors seeking streamlined underwriting, strong leverage options, and long-term financing stability.
Loan Overview
Minimum Property Value
$72,000
Maximum Loan Amount
Up to $2,000,000
Eligible Property Types
Non-owner occupied residential properties
Single-family residences (SFR)
2–4 unit properties
Warrantable condominiums
Townhomes
PUDs
Loan Structure
Maximum Loan-to-Value (LTV)
Up to 80% on purchase and rate/term refinance
Up to 75% on cash-out refinance
Minimum FICO
680
Minimum Debt Service Coverage Ratio (DSCR)
1.05x (Net Cash Flow / Debt Service)
Recourse
Full recourse with pledge of equity from the borrowing entity
Lease & Occupancy Requirements
Minimum Occupancy
90% occupancy based on total unit count
Leased Units
Underwritten at the lower of in-place rent or market rent
Unleased Units
Underwritten at 90% of market rent
Designed for Portfolio Investors
This program is ideal for investors who:
Own multiple rental properties
Maintain stabilized occupancy
Are refinancing or expanding a portfolio
Want long-term structured financing
Our underwriting focuses on asset performance, portfolio cash flow, and risk-adjusted leverage — ensuring capital is deployed responsibly while supporting investor growth.
Everything You Need to Scale Your Real Estate Investments — Under One Roof
At PML Investments, your success is the strategy
We’ve built a complete investor support ecosystem designed to help you secure funding, acquire strong deals, and execute projects the right way — from start to finish.
Through our Private Money Lending platform, we structure smart, asset-backed capital to help you move quickly and confidently. Our Wholesaling & Property Acquisition network connects you to real opportunities sourced by experienced partners. And with our New Build Partner Program, you gain access to reliable builders focused on quality, efficiency, and staying on schedule.
Funding. Deals. Execution.
All aligned under one strategy — built to help you scale smarter and grow with confidence.
Professional Plan +
Retargeting | Lead Nurturing
Social media automation
Advanced Funnel Workflows
SMS, eMail, AI agent
AI Phone System and Call Setter
Starter Plan +
2-30 min Podcast Per Month
Conversion Funnel + Automation
Advertising On Our Roku Channel
Advertising On Our Amazon Fire
Advertising On Our IHeart Radio
Advertising In Our Magazine
3 High Converting Scripts
3-30 sec Video Ads
Scroll-Stopping Social Post
20 Social Media Post
1 Dedicated Growth Agent
Basic Conversion Funnel
Supercharge your real estate investing with the right strategic partner.
At PML Investments, we don’t see ourselves as just private money lenders. We see ourselves as capital partners aligned with your success. Every deal is structured with strategy in mind — from acquisition to exit — because real growth isn’t just about getting funded, it’s about building intelligently and scaling sustainably.
We focus on asset-backed solutions, disciplined underwriting, and execution support designed to help investors move confidently and grow responsibly.
When you win, we win. That’s the partnership.
Real estate investing shouldn’t feel random.
Predictable scaling happens when you have the right capital, the right deals, and the right execution strategy behind you.
At PML Investments, we provide more than funding. We offer tools, acquisition resources, and strategic partnerships designed to help you grow with structure — not guesswork.
Whether you’re flipping, building, or scaling rentals, we help you move with confidence.
No more guessing. No more wasted effort. Just intelligent scale.
👉 Click “Schedule a Call” to start building your Growth Engine today.
Let’s automate what works — and make your success inevitable.
Testimonials
⭐⭐⭐⭐⭐
“Closed when others couldn’t.”
We had a fix-and-flip under contract and our bank pulled out last minute. PML stepped in, reviewed the asset, and structured the deal quickly. Clear communication, no surprises, and we closed on time. That certainty is everything in this business.
— Michael R., Real Estate Investor
⭐⭐⭐⭐⭐
“Strategic, not transactional.”
What stood out about PML Investments was their focus on structure. They didn’t just approve a loan — they walked through our exit strategy and helped optimize leverage. It felt like working with a capital partner, not just a lender.
— Sarah L., Developer
⭐⭐⭐⭐⭐
“Reliable capital for repeat projects.”
After our first flip with PML, we came back for two more projects. Fast reviews, realistic expectations, and structured funding that makes sense. If you’re serious about scaling, they’re a strong capital partner.
— Jason T., Real Estate Investor
⭐⭐⭐⭐⭐
“Efficient underwriting and professional team.”
We financed a rental portfolio refinance and the process was streamlined and disciplined. Their team understood DSCR, occupancy metrics, and long-term performance. Professional from start to finish.
— David M., Portfolio Investor
PML Investments Your Partner For Success