Our Loan Programs

Flexible solutions built for diverse real estate needs.

LOAN PROGRAMS

At SourceOne Financial, we are proud to provide private real estate financing for fix and flip, buy and hold, multi-family residential, commercial and construction loans throughout Utah. 

We strive to earn the trust of our borrowers and to create a winning structure that allows them and their project to be successful. 

As a direct private money lending company, SourceOne specializes in a variety of lending solutions. 

We specialize in creative funding for Utah investors, so they can close on properties quickly, and win in competitive real estate acquisition environments.

Testimonials

Home improvement project with power tools

FIX + FLIP / RENTAL LOANS

Loan to Cost: Up to 80% of Purchase Price

Loan Term:
6-12 Months + Extensions

Interest Rate: 10.0-12.0%

Origination Fee: 1-2 Points

Type: Purchase or Refi

Occupancy: Non-Owner Occupied

Property Type: SFR and 2-4 Units

Pre-Payment Penalties: None

100% FIX + FLIP /

RENTAL LOANS

Loan to Cost: Up to 100% of Purchase Price

Loan Term: 3-6 Months + Extensions

Interest Rate: 12.0-12.5%

Origination Fee: 2-2.5 Points

Occupancy: Non-Owner Occupied

Property Type: SFR and 2-4 Units

Pre-Payment Penalties: None

Engineer drafting architectural plans at desk
A kitchen undergoing renovation with tools and protective coverings.

90% PURCHASE +

90% REHAB LOANS

Loan to Cost: Up to 90% of Purchase Price + 90% of Rehab Costs

Loan Term: 3-6 Months + Extensions

Interest Rate: 12.0-12.50%

Origination Fee: 2-2.5 Points

Occupancy: Non-Owner Occupied

Property Type: SFR and 2-4 Units

Pre-Payment Penalties: None

COMMERCIAL LOANS

Loan to Cost: Up to 85%

Loan Term: 3-6 Months + Extensions

Interest Rate: 11.0-14.0%

Origination Fee: 1.5-4 Points

Property Type: Office, Retail, Industrial, Storage Units, Multi-Family, etc. 

Aerial view of a cityscape with modern buildings and greenery under a blue sky.
Row of illuminated garages lining a residential street at night.

MULTI-FAMILY

BRIDGE LOANS

Loan to Cost: Up to 90%

Loan Term: 3-6 Months + Extensions

Interest Rate: 11.0-14.0%

Origination Fee: 1.5-4 Points

Occupancy: Non-Owner Occupied

Property Type: Multifamily

CONSTRUCTION LOANS

Loan to Cost: Up to 80% of Total Cost

Loan to Finished Value: Up to 70% of Completed Home Value

Loan Term: 6-12 Months + Extensions

Interest Rate: 11.0-13.0%

Origination Fee: 2-3 Points

Occupancy: Non-Owner Occupied

Property Type: SFR and Multifamily

Aerial view of a complex wooden structure with interconnected platforms.

CAse Studies

100% FIX + FLIP

SALT LAKE CITY HOME RENOVATION
$800,000
100% LTV

MULTI-FAMILY BRIDGE LOAN

SALT LAKE CITY 4-PLEX ACQUISITION
$540,000
90% OF TOTAL COST

FIX + FLIP

RIVERTON HOME RENOVATION
$375,000
80% OF TOTAL COST

COMMERCIAL LOAN

OREM OFFICE ACQUISITION
$738,000
94% OF TOTAL COST

100% FIX + FLIP

ST. GEORGE HOME RENOVATION
$169,000
90% OF TOTAL COST

100% BUY + HOLD

APARTMENT RENOVATION
$4,500,000
94% OF TOTAL COST

COMMERCIAL LOAN

OGDEN COMMERCIAL REFINANCE
$355,000
60% OF TOTAL COST

BUY + HOLD LOAN

LAYTON 12-PLEX RENOVATION
$1,600,000
80% LTV

100% FIX + FLIP

ALPINE HOME RENOVATION
$1,050,000
98% LTV

100% FIX + FLIP

MAGNA HOME RENOVATION
$315,000
100% LTV

MULTI-FAMILY BRIDGE LOAN

SALT LAKE CITY DUPLEX
$540,000
90% LTV

100% BUY + HOLD LOAN

PROVO 4-PLEX RENOVATION
$479,000
100% LTV

LAND LOAN

MIDWAY VACANT LOT
$408,000
50% LTV

LAND LOAN

GARDEN CITY LAND DEVELOPMENT
$1,200,000
52% LTV

100% FIX + FLIP

HOLLADAY HOME RENOVATION
$587,000
100% LTV

100% FIX + FLIP

WEST VALLEY CITY HOME RENOVATION
$263,000
100% LTV

100% BUY + HOLD LOAN

SALT LAKE CITY DUPLEX RENOVATION
$600,000
100% LTV

100% FIX + FLIP

SALT LAKE CITY HОМЕ RENOVATION
$310,000
100% LTV

100% FIX + FLIP

SANDY HOME RENOVATION
$465,000
100% LTV

100% FIX + FLIP

KEARNS HOME RENOVATION
$260,000
100% LTV

100% FIX + FLIP

GRANTSVILLE HOME RENOVATION
$345,000
96% LTV

100% FIX + FLIP

SALT LAKE CITY HOME RENOVATION
$565,000
100% LTV

MULTI-FAMILY BRIDGE LOAN

PLEASANT GROVE DUPLEX
$417,000
90% LTV

100% FIX + FLIP

LEHI HOME RENOVATION
$300,000
100% LTV

90% PURCHASE + 90% REHAB LOAN

ALPINE HOME RENOVATION
$560,000
107% OF PURCHASE PRICE

LAND LOAN

ALPINE VACANT LOT
$350,000
50% LTV

100% FIX + FLIP

WEST JORDAN HOME RENOVATION
$437,000
96% LTV

90% PURCHASE + 90% REHAB LOAN

SALT LAKE CITY HOME RENOVATION
$850,000
102% OF PURCHASE PRICE

FIX + FLIP

BRIGHAM CITY HOME RENOVATION
$500,000
75% LTV

FIX + FLIP

OGDEN HOME RENOVATION
$225,000
80% LTV

100% FIX + FLIP

ST. GEORGE HOME RENOVATION
$532,000
95% LTV