Private Real Estate Lending

Fast Capital.
No Red Tape.

MDH Lending Source provides fast, flexible private lending for real estate investors and homeowners nationwide — Fix & Flip, DSCR, Ground Up, Bridge, Multi-Family, Commercial, and Primary Home loans. Close in as few as 5–7 days. No income verification. No lengthy bank approvals.

Get Pre-Qualified View Loan Programs

⚡ Close in 5–7 Days

🏦 $50K–$5M Loans

🌎 All 50 States

✅ No Income Verification

1,000+

Happy Investors

500+

Deals Closed

5–7

Days to Close

States Served

Asset-Based Underwriting

We lend on the deal — not your tax returns

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Simple Process

From Application to Funding

No stacks of paperwork. No weeks of waiting. Our streamlined process gets you to the closing table fast.

Apply Online

Complete our simple pre-qualification form in under 5 minutes. No credit pull required at this stage.

Deal Review

Our underwriting team evaluates your deal within 24–48 hours and issues a preliminary term sheet.

Term Sheet & Docs

Review and sign your term sheet. Upload property docs. Our team handles the rest.

Fund & Close

Title closes, funds wire, and you're at the table. Average time from application to funding: 5–7 days.

Start Your Application

Our Products

Loan Programs Built for Investors

Whether you're flipping homes, building from the ground up, or growing a rental portfolio — we have the right capital for your strategy.

Fix & Flip

From 9.99% Up to 90% LTC 6–18 months

Fast bridge financing for acquisition and renovation. We fund up to 90% of total project cost with draws released as work is completed.

SFRMulti-FamilyCondos

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DSCR Rental

From 6.00% Up to 80% LTV 30-year fixed

Qualify on rental income, not personal income. Perfect for long-term buy-and-hold investors growing a rental portfolio. Low FICO OK.

SFR2-4 UnitsShort-Term Rentals

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Ground Up Construction

From 9.99% Up to 85% LTC 12–24 months

New construction financing with flexible draw schedules. From lot purchase through vertical construction and certificate of occupancy.

SFRSmall MultifamilyADU

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Bridge / Stabilized

From 9.99% Up to 75% LTV 3–24 months

Short-term bridge financing and stabilized property loans. Move fast on time-sensitive acquisitions without the red tape.

CommercialMixed-UseLand

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Multi-Family

From 7.00% Up to 80% LTV 12–360 months

5+ unit apartment buildings, value-add repositioning, and cash-out refinances on stabilized multifamily assets nationwide.

5+ UnitsApartmentsValue-Add

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Commercial Property

From 6.00% Up to $100MM 12–360 months

Flexible commercial property loans for income-producing assets nationwide. Fast approvals, competitive rates, no red tape.

RetailMixed-UseWarehouseIndustrialOffice

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Primary Home Purchase

From 5.99% Up to 97% LTV 15 or 30-year fixed

Helping everyday home buyers achieve the dream of homeownership. Conventional, FHA, VA and jumbo options available. We guide you every step of the way.

First-Time BuyerFHAVAConventionalJumbo

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Why Choose MDH

The MDH Advantage

Speed You Can Count On

Most loans close in 5–7 business days. Our in-house underwriting eliminates delays.

Asset-Based, Not Income-Based

We evaluate the deal — the property, the numbers, and your track record. Not W-2s.

Dedicated Loan Advisor

One point of contact from application to funding. No getting passed around.

Repeat Borrower Benefits

Loyalty pricing, faster approvals, and priority service for returning clients.

5–7

Day Close

By The Numbers

Built for the
Modern Investor

MDH Lending Source was founded by real estate investors, for real estate investors. We understand the urgency of competitive markets and the cost of slow capital. That's why our entire process is engineered for speed and simplicity.

1,000+

Happy Investors

500+

Deals Closed

4.8★

Client Rating

Same Day

Pre-Qual Decision

Client Reviews

What Our Borrowers Say

"MDH funded my deal in 6 days flat. I had another lender fall through at the last minute and MDH stepped in and saved the deal. Their team was responsive 24/7."

Marcus T.

Atlanta, GA · Fix & Flip

Verified

"As a self-employed investor, traditional banks always gave me headaches. MDH looked at my rental income and closed my portfolio refinance without a single pay stub."

Jennifer R.

Phoenix, AZ · DSCR Rental

Verified

"Three ground-up projects funded through MDH. Competitive rates, flexible draw schedules, and a team that actually understands construction timelines. Will keep coming back."

Carlos M.

Miami, FL · Ground Up

Verified

"Needed to move fast on an off-market deal. MDH had a term sheet in my hands in 18 hours and we closed in 5 days. Phenomenal service."

David K.

Dallas, TX · Bridge Loan

Verified

"Closed a 12-unit value-add in record time. MDH understood the business plan and structured the loan to match our rehab timeline. Couldn't be happier."

Sarah L.

Denver, CO · Multi-Family

Verified

"Three flips funded this year alone. MDH is now my go-to lender. The repeat borrower rates they offer make a real difference in my margins."

Robert W.

Nashville, TN · Fix & Flip

Verified

Real People. Real Deals.

Closing Deals Across America

From first-time buyers to seasoned developers — our lending experts sit down with every client to structure the right loan for their goals.

MDH loan officer reviewing documents with clients

Investor Consulting

Personalized loan structuring for every deal type

Our team walks you through term sheets, underwriting, and closing — step by step.

Real estate agent handshaking with clients after loan approval

Loan Approved

Fast closings — most deals funded in 5–14 days

No bank bureaucracy. Direct lender decisions, transparent terms.

5–14 Days

Average Close Time

50 States

Nationwide Lending

$100K–$20M

Loan Range

500+

Deals Funded

Talk to a Loan Expert Today

A Word From Our Founder

The Vision Behind MDH.

“

At MDH Lending Source, my mission is simple — to be the funding partner that real estate investors can actually count on. Whether you're flipping your first property or scaling a rental portfolio, I bring the capital, the expertise, and the personal attention to help you close with confidence. Every deal matters to me because every deal matters to you.

Martini DeLaTorre

Founder & CEO, MDH Lending Source

[email protected] (949) 969-8829

Ready to work with Martini DeLaTorre on your next deal?

Let's Get Your Deal Funded

Mortgage Protection

Protect Your Most
Valuable Asset

Mortgage Protection is a specialized form of life insurance designed to protect a homeowner's most important asset — their home. If the unexpected happens — death, disability, or serious illness — the policy provides funds to cover mortgage payments or pay off the loan balance, ensuring your family can remain in their home without financial hardship.

Why Mortgage Protection?

Death Benefit

If you pass away, the policy pays off your remaining mortgage balance so your family keeps the home.

Disability Coverage

If you become disabled and unable to work, monthly benefits cover your mortgage payments.

Critical Illness

Serious diagnoses like cancer, stroke, or heart attack trigger a lump-sum payout to protect your home.

Return of Premium

Some plans return all premiums paid if you outlive the policy term — protection at no final cost.

Unlike traditional life insurance that can be used for any purpose, mortgage protection is specifically structured to safeguard your home and provide peace of mind for you and your loved ones — no matter what life brings.

Get Protected Today

Fill out a quick form — a licensed specialist will contact you within 24 hours.

Quick 5-Min Form

Callback in 24 hrs

100% Confidential

Free Consultation

Apply for Mortgage Protection

Life License #OA71943 · Licensed in all 50 States

Fast Capital.
No Red Tape.