Residential investment financing across Michigan’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.
Michigan pairs some of the best cash-flow economics in the country with a decade-plus supply deficit. The statewide median of roughly $260,000 sits at about half the national figure, and rents have not compressed to match: Metro Detroit’s suburban corridors and Grand Rapids routinely support 6–7%+ cap rates on stabilized single-family rentals. Grand Rapids is the standout growth story, one of the Midwest’s strongest mid-size metros with persistent inventory shortages, while multibillion-dollar automotive and battery-plant investment feeds demand across suburban Detroit and west Michigan. Ann Arbor’s university and health-system economy anchors the state’s premium price points.
The operating environment is investor-friendly: Michigan law preempts local rent control statewide, evictions move through summary proceedings in weeks rather than months, and income tax is a flat 4.25%. Aging post-war housing stock across Metro Detroit makes deep value-add inventory plentiful, and undersupplied west Michigan supports new construction and build-to-rent at attractive basis.
We lend across Michigan’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.
Every loan program we offer is available to qualified borrowers and properties in Michigan.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreWest Michigan’s anchor metro has run inventory shortages for years, with new single-family product in the $350K–$500K band absorbing quickly. Builders with lot positions in Kent and Ottawa counties can pair ground-up construction financing with fast disposition, or roll completed homes into build-to-rent holds at 6%+ stabilized yields.
Oakland, Macomb, and western Wayne County are full of post-war housing stock trading well below replacement cost. Operators executing $60K–$100K renovations capture wide ARV spreads on flips, or refinance into DSCR loans at 6.5%+ caps on the hold. Rental demand is deep and steady across the suburban corridors.
Ann Arbor’s university and health-system employment supports the state’s highest price points with recession-resistant demand, and Traverse City captures northern Michigan lifestyle migration. Spec and pre-sold builds at $600K+ pencil for experienced builders. Bridge financing covers lot acquisition while entitlements complete.
Our team has deep experience financing residential projects across Michigan. Reach out to discuss your next deal.
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