Private lending capital for B2B Ground-up Construction, Renovation, and DSCR loans across the United States.


We are committed to finding creative solutions for your team. Together we can say Yes to more opportunities than ever before.

— Ray Combs, CEO/President, Passion Lending


Our Programs

Bridge Loans

In many cases homeowners are ready to purchase a new property but need the proceeds from the sale of their existing home in order to satisfy the down payment requirement and/or qualify for additional financing. Bridge Loans allow the borrower to utilize the equity in their home before it sells, so that they can have the power and confidence to seek their dream home and not have to sell their current home in a rush.

✅ $100,000 up to no-limit interest-only loans
✅ Single family residences
✅ LTV / Combined LTV up to 75%
✅ 11 month term
✅ Close in as little as 5 business days
✅ HUD counseling required (if property
purchased will be primary residence).

Line of Credit

We can give you the flexibility and financing power you need to access capital strategically and efficiently in order to capitalize on your investment opportunities.​

✅ Loan amounts $100,000+
✅ Min. Draw: 5% of total credit line
✅ Max. Draw: 20% of total credit line
✅ Min. Draws per month: 1
✅ Max. Draws per month: 4
✅ Business days for draws to be processed: 5
✅ Draw Fee: $500

​Line replenishment is only accepted and credited on the last of the month. Interest is charged on only total amount disbursed as of the 1st of every month.

Rehab & Construction Loans

Rehab and construction loans are an attractive option for investors who are adding value to the subject property and want to leverage the existing and/or projected equity as opposed to coming out of pocket for the improvements.​

Loan amounts are determined by analyzing the current valuation and equity in the property, the scope of work and budget, and the after-repair value (ARV). For purchase and rehab/construction projects, we can finance up to 75% of the acquisition price, and 100% of the construction costs. For refinance, purchase and rehab/construction projects, we will focus on ARV and can finance up to 75%.

✅ Loan amounts $100,000+
✅ Rates and fees starting at 9.5% and 1.5 points
✅ 12-18 month terms
✅ Loan to cost (LTC) threshold is 80%

​Repeat borrowers with a verified track record may receive preferred pricing. Strategic 2nd position loans and LOCs available.

Build for Rent Loans

We understand the growing demand for quality rental properties, and we’re here to support property developers and investors looking to build homes for the rental market. Our tailored financing solutions will help you turn your construction projects into profitable, income-generating assets.

DSCR Loans

Debt Service Coverage Ratio (DSCR) is a crucial financial metric used by lenders to assess the ability of a borrower to meet their debt obligations. It measures the income generated by the asset or business compared to the debt servicing requirements. A healthy DSCR indicates the ability to comfortably cover debt payments.

The Leprechaun Lender

Passion’s Promise

As the “Leprechaun Lender,” I’ve helped partners finance projects and create wealth for over two decades — let’s grow that pot of gold!

— Ray Combs, CEO/President

What next?

Say hello, or start our lending process: