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Home Deck and Kitchen

OUR SERVICES

Acqua Funding provides the most competitive, 1-4 unit residential investment purpose loans on the market. Whether you need bridge or permanent financing, Acqua will find you the most fluid funding solution.

FOR FIRST-TIME INVESTORS

Acqua Funding offers a "Premium" and "Standard" first time investor program for both bridge and rental loans.  Call now and have the Acqua team pre-approve your program placement for just a small fee. 

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PREMIUM

Fix and Flip Program
(1-4 unit)

  • 700+ credit required to qualify

  • Up to 85-90% of purchase + 100% of rehab for first timers

  • No full appraisal

  • Soft pull on credit

  • 70-75% ARV limiter

STANDARD

Fix and Flip Program
(1-4 unit)

  • 660+ credit to qualify

  • Up to 80% of purchase + 100 of rehab for first timers

  • Soft pull on credit

  • No appraisal options available

  • 70-75% ARV limiter

PREMIUM

Rental Program
(1-4 unit)

  • 680+ credit to qualify

  • 80% on purchases and up to 80% on refinances

  • No rural

  • 0 to 5 year prepays

  • Soft pull on credit

  • 1.0x minimum DSCR ratio

STANDARD

Rental Program (1-4 unit)

  • 660+ credit to qualify

  • Up to 75% on purchases and 75% on refinances

  • No rural

  • 0 to 5 year prepays

  • 1.0x minimum DSCR ratio

WORKING WITH US

Acqua Funding's combined executive experience has been a part of over $5 billion in real estate transactions.

SERVICE SHAPED BY TRUST

We know the ins and outs of the business. We have tested what works and what doesn't. Acqua was founded on the principles of trust and opportunity, and we want every investor to feel equipped with service that speaks to these values.

EXECUTION DRIVEN

Every investor, no matter the experience level, will have the same level of attention at Acqua. We want our investors to know that we are with them throughout the entire loan process. We will make sure our leadership is involved on every loan to ensure security and comfort in our borrowers.

DEAL MAKERS

The team at Acqua has seen millions of scenarios. We will go to bat on any loan scenario and move as much as we can to get the deal done. All we want to do at Acqua is get our borrowers the best possible terms on the market.

SUPERIOR SERVICE

You will see why Acqua earns its reputation for closing faster than anybody else. Our loan processing team prides itself on making sure you are well informed throughout the entire underwriting process. We will do our very best to keep you updated and in-the-loop for every step of the loan process.

Program Placement
Pre-Approval

Acqua Funding's processing team will run a preliminary credit review which allows you to know which program you will be placed in once you start your investment journey.

House
  • WHO IS ACQUA FUNDING?
    Acqua Funding is a leading real estate loan provider & consulting agency that is focused on creating strong partnerships with real estate investors and efficiently delivering scalable financing solutions. At Acqua, there is no ego, just fluid funding.
  • DOES ACQUA WORK WITH MORTGAGE BROKERS?
    No, Acqua Funding does NOT work with mortgage brokers of any type at this time.
  • IS ACQUA FUNDING A DIRECT LENDER?
    Yes, Acqua Funding has a whole arsenal of direct lending products. We have the ability to do bridge, rental, and ground up loans in house. Further, Acqua has a few wholesale funding channels that may be more competitive on certain products for certain loan scenarios. So, we will show the investor both options and let them choose which option they would like to move forward with - whether that be in house or through a wholesale channel!
  • DOES ACQUA FUNDING REQUIRE HARD CREDIT PULLS?
    No. Acqua Funding does not require hard credit pulls for short or long term financing.
  • WHAT IS THE ACQUA FUNDING PROGRAM PLACEMENT PRE-APPROVAL?
    Acqua Funding's processing team will run a preliminary credit review(soft pull) which allows you to know which funding program you will be placed in once you start your investment journey. This is the easiest way to have 100% confidence going into your first deal, whether that be a fix and flip or a rental.
  • HOW DOES ACQUA FUNDING GIVE FIRST TIME FLIPPERS 90% OF PURCHASE + 100% OF CONSTRUCTION?
    Acqua Funding is able to give 90% of purchase + 100% of rehab for first time investors in most states. They must qualify with a quality credit score, usually above 700 FICO. That is Acqua's only requirement to receive these leverage points. Our first time investor, 90/100 program is available in all states except: North Dakota, South Dakota, Minnesota , Montana, Idaho, Nebraska, Utah, Lousiana, Nevada, New Hampshire, Wyoming, Mississippi, Delaware, Maine, Vermont, and North Carolina.
  • WHAT IS THE DIFFERENCE BETWEEN THE "STANDARD PROGRAM" AND THE "PREMIUM PROGRAM?"
    The "Standard Program" is geared towards investors with FICO 660-700. The "Premium Program" is geared towards investors with FICO 700+.
  • WHERE DOES ACQUA FUNDING LEND?
    Acqua Funding funds nationwide with the exception of just a few states. Our in house program provides loans in all states except North Dakota, South Dakota, Alaska, and Vermont. Our first time investor, 90/100 "Premium Program" is available in all states except: North Dakota, South Dakota, Minnesota , Montana, Idaho, Nebraska, Utah, Lousiana, Nevada, New Hampshire, Wyoming, Mississippi, Delaware, Maine, Vermont, and North Carolina.
  • DOES ACQUA FUNDING REQUIRE EXPERIENCE?
    No, Acqua does not require any previous real estate experience for bridge loans and rental loans. However, we do need at least 1 build completed in the past in order to offer ground up financing.
  • WHAT IS THE MINIMUM FICO SCORE AT ACQUA FUNDING?
    Acqua has a minimum FICO requirement of 660 for rental loans and 660 for bridge loans.
  • WHAT IS ACQUA FUNDING'S MINIMUM LOAN SIZE?
    Minimum bridge loan size is 75,000. Minimum rental loan size is 67,500. Minimum rental loan asset value is 100,000.
  • DOES ACQUA FUNDING PROVIDE RENTAL LOANS?
    Yes, Acqua Funding provides rental loans for 1-4 unit and multifamily assets. Purchase and or refinances are available.
  • DOES ACQUA FUNDING PROVIDE COMMERCIAL FINANCING?
    No, Acqua Funding does not provide commercial financing in any capacity.
  • DOES ACQUA FUNDING PROVIDE RURAL FINANCING?
    No, Acqua Funding does not provide funding on rural properties.
  • DOES ACQUA FUNDING LEND ON MULTIFAMILY ASSETS?
    Acqua only lends on 1-4 unit residential properties.

FOR EXPERIENCED BORROWERS

At Acqua, experienced borrowers have access to the best terms and pricing on the market. We will offer a price beat guaranteed for any competitor in our space. Sounds too good to be true? Call us now and find out.

PREMIUM

Fix and Flip Program
(1-4 unit)

  • 700+ credit required to qualify

  • Up to 92.5% of purchase + 100% of rehab for first timers

  • No full appraisal

  • Soft pull on credit

  • 70-75% ARV limiter

STANDARD

Fix and Flip Program
(1-4 unit)

  • 660+ credit to qualify

  • Up to 92.5% of purchase + 100% of rehab for first timers

  • Soft pull on credit

  • No appraisal options available

  • 70-75% ARV limiter

PREMIUM

Rental Program
(1-4 unit)

  • 680+ credit to qualify

  • 80% on purchases and up to 80% on refinances

  • No rural

  • 0 to 5 year prepays

  • Soft pull on credit

  • 1.0x minimum DSCR ratio

STANDARD

Rental Program (1-4 unit)

  • 660+ credit to qualify

  • Up to 75% on purchases and 75% on refinances

  • No rural

  • 0 to 5 year prepays

  • 1.0x minimum DSCR ratio

ARSENAL OF PRODUCTS

Acqua is not only confined to your traditional fix and flip loan. We offer rental loans, construction loans, heavy rehab loans, straight acquisition, refinance/rehabs, and much more. Acqua is truly the one stop shop to service your real estate investment financing needs.

Green House

WORKING WITH US

ARSENAL OF PRODUCTS

Acqua Funding offers a variety of different products such as fix and flip, traditional bridge, rental loans, and construction loan. Acqua is truly the one stop shop for all of your investment needs.

VERSATILITY

Acqua Funding has a common-sense underwriting approach that allows us to be flexible on our deals. We have a loose credit box that remains flexible for all scenarios and all types of borrowers.

FASTEST CLOSINGS

Acqua Funding boasts the fastest turn times to close on the market. The average turn time to close is ~10 days for bridge loans and ~22 days for rental loans.

EXECUTION

Acqua gets deals to the closing table. We want these deals to get done and are in your corner to do everything we can to achieve that. Our flexible guidelines make sure of this.

Great experience!! They said at the beginning what they could do, and then efficiently went thru the process and we closed our first deal!! I look forward to working with Andrew and Nina going forward on more opportunities.

Will Murphy

Home Deck

THE NATION'S FASTEST GROWING PRIVATE LENDER.

Experience the future of long term wealth. Build your American Dream.

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