Oak & Iron Lending | Commercial & Private Debt Capital
Oak & Iron Lending, LLC • Private & Commercial Capital
Desk Line: (270) 935-1038 • Email: [email protected]
Institutional Private Debt • Non-Owner Occupied

Capital Engineered For Real Estate Operators

Bypass personal tax returns, W-2s, and DTI limits. Secure institutional leverage across 13 private wholesale desks qualified strictly on asset cash flow and equity.

No Tax Returns
Asset-Based Underwriting
Up to 100% LTC
100% Construction/Rehab
30-Yr Fixed & IO
DSCR Rental Portfolios
Entity Vesting
Close in LLC or Corp

Asset-Based Loan Solutions

Eliminate traditional banking friction. Every facility is tailored to property-level returns and closed under legal business entities.

Permanent Debt Up to 85% LTV

DSCR Rental Loans

Long-term debt for buy-and-hold operators and BRRRR investors. Underwritten strictly to property gross rents divided by PITIA.

Max Leverage 85% Purchase / 80% Refi
Term Options 30-Year Fixed / 10-Yr Interest-Only
Min Credit Score 620 FICO
Income Docs None (No W-2s / Tax Returns)
Short-Term Bridge Up to 100% LTC

Fix & Flip / Rehab

Rapid capital for acquisition and 100% of construction costs. Designed to help flippers scale volume with minimal out-of-pocket cash.

Max Leverage 100% Purchase + 100% Rehab
Max ARV Cap Up to 75% ARV
Term Length 12 - 24 Months (Interest-Only)
Speed to Close 5 to 10 Business Days
Commercial Debt Up to 80% LTC

5+ Unit Multifamily

Commercial bridge and permanent financing for apartment complexes, mixed-use, and multi-family portfolio acquisitions nationwide.

Loan Sizes $250,000 – $10,000,000+
Property Types 5+ Units / Mixed-Use / Portfolios
Structure Bridge to Perm / Value-Add
Min Credit Score 650 FICO
Equity Release Up to 75% CLTV

DSCR HELOCs & 2nd Liens

Unlock trapped equity in investment properties without refinancing or giving up low first-mortgage interest rates.

Max CLTV Up to 75% Combined LTV
Facility Type Closed-End 2nd / Credit Line
Occupancy Non-Owner Occupied Investment
Underwriting No Personal Tax Returns

Commercial Deal Desk FAQ

To issue an official soft-quote/term sheet within 24 hours, our desk only requires a basic application, subject property address, purchase agreement or rent roll, and sponsor experience background. No tax returns or personal income documentation required.

Yes. Every transaction originated through Oak & Iron Lending is strictly business-purpose debt and must close under an LLC, Corporation, or LP.

We provide nationwide commercial debt coverage across 40+ states for business-purpose residential (1-4 unit) and commercial properties.

Ready To Size Your Next Deal Scenario?

Submit basic deal metrics to our desk and receive an actionable term sheet within 24 business hours.