Funding Options
What Chandi can place, and who each one is for.
Six categories she works in today, plus a handful of specialized arrangements that follow a different track. Every one of them depends on the lender, the borrower, and the deal — so treat this as the shape of what's possible, not a menu with prices.
Grace & Grit Investors is not a direct lender. Business-purpose real estate financing only.
The category matters less than whether the deal holds up.
Most investors arrive knowing roughly what they want — a flip loan, something for a rental, money to finish a build. That's a useful starting point and it's rarely the whole question. The same property can fit two different programs depending on how long you plan to hold it and what you intend to do at the end.
So bring the deal rather than the loan type. Chandi will tell you which of these it belongs in, whether the numbers support it, and what a lender is going to want to see.
Fix and Flip
Short-term financing to buy a property, renovate it, and sell it.
Who it's for
Investors with a specific property, a renovation plan, and a realistic resale number.
What a lender weighs
The lender is weighing what the property will be worth once the work is done against what you're borrowing to get there. Requirements around credit, experience, cash, and entity structure vary by lender and program.
Not for a home you intend to live in.
Rental / DSCR
Longer-term financing for a property you intend to keep and rent out.
Who it's for
Buy-and-hold investors, and anyone moving a finished project into something permanent.
What a lender weighs
A DSCR loan is weighed mainly on whether the property's rental income covers its loan payment and expenses, rather than on your personal income. Terms depend on the lender, the property, and the deal.
Not for an owner-occupied primary residence.
New Construction
Ground-up projects, typically funded in stages as the build progresses.
Who it's for
Builders and developers with plans, a budget, and a team.
What a lender weighs
Eligibility depends on the lender, the plan, your experience, and the project. Some programs may require an experienced builder or contractor on the project.
Not a substitute for a construction loan on your own home.
Commercial
Financing for commercial property — retail, office, industrial, multifamily at scale.
Who it's for
Owners and investors working above the single-family level.
What a lender weighs
Subject to underwriting, program availability, and property eligibility. Commercial deals carry their own documentation requirements and generally move on a longer timeline than residential.
Bridge
Short-term financing that carries a property from one stage to the next.
Who it's for
Investors who need to move before permanent financing is in place — buying, stabilizing, or holding while a sale or refinance comes together.
What a lender weighs
A bridge loan is a means to an end, so the exit matters as much as the property. Expect a lender to ask what happens at the end of the term and how realistic that plan is.
Cash-Out Refinance Limited
Pulling equity out of a property you already own.
Who it's for
Owners of certain commercial and hotel properties, handled case by case.
What a lender weighs
This one is more limited than the others. Availability depends on the property type and the lender, and it is not broadly offered.
Not available for owner-occupied primary residences.
A different track
Specialized capital, handled separately.
Land development, SBA, hotels, working capital, and large-scale development projects sit outside ordinary property lending. Different scale, different requirements, different timelines — and a different conversation from the first call onward.
If your project belongs in this lane, bring it anyway. Chandi will tell you whether it's something she can place and what the process looks like, rather than pushing it into a program it doesn't fit.
Grace & Grit is not a lender
Chandi is the bridge between your deal and a lending partner. She does not underwrite, approve, or fund loans. All financing is subject to lender approval, underwriting, program availability, and property eligibility. Grace & Grit Investors is not a licensed mortgage lender.
No primary residences
All activity is business-purpose real estate financing. Grace & Grit does not offer consumer-purpose financing for owner-occupied primary residences. If the property is your home, this is not the right place — and Chandi will say so on the first call.
Next step
Not sure which one your deal belongs in?
That's the normal starting point, and it's the question Chandi answers on a first call. Run the Deal Readiness Check for a plain read on where the deal stands, or just bring it to her directly.