West Johnson Lending was built for real estate investors who need a financing partner that moves as fast as they do. Whether you’re flipping properties, acquiring rentals, or closing wholesale transactions, our loan programs are designed to remove bottlenecks—not create them. With direct capital, streamlined underwriting, and fast-turnaround approvals, we help investors execute confidently in competitive markets.
Every investor, deal, and exit strategy is different, which is why our team takes a hands-on approach to understanding your goals. This FAQ section was created to help you get clear, straightforward answers to the most common financing questions. If you need guidance on a specific deal or want to explore which loan product is right for your next project, we’re always here to help.
West Johnson Lending provides a full suite of investment-focused financing solutions designed for active real estate investors. Our programs include Fix & Flip Loans, Bridge Loans, Transactional Funding, Wholesale/Wholetail Loans, and 30-Year DSCR Rental Loans. Each loan type is structured for a specific investment strategy, whether you’re acquiring, rehabbing, repositioning, or refinancing a long-term rental property.
Yes. For qualified investors and approved projects, we can finance up to 100% of the purchase price and up to 100% of the renovation budget. This structure allows investors to preserve their capital and take on more deals without tying up large amounts of cash. All numbers depend on deal strength, experience level, and local market conditions.
Our no-monthly-payment structure means you do not make interest payments throughout the term of the loan. Instead, interest accrues and is paid at refinance or closing. This helps investors protect cash flow during the rehab phase, allowing you to focus on finishing the project rather than managing monthly loan obligations.
We specialize in speed. Many deals are approved same-day, with closings possible in as little as 3 days. Draws are processed quickly, and our direct-capital model means you are not waiting on third-party funding sources. Whether you need a quick close on a distressed property or same-day Transactional Funding, our process is built for investors who need to move fast.
We keep the approval process simple. Submit your deal details, scope of work, and basic investor information. Because our programs focus primarily on the strength of the asset and exit strategy, we don’t require extensive documentation or traditional income verification. For DSCR loans, underwriting focuses on the rental income potential of the property, not your personal debt-to-income ratios.
Yes. Our Transactional Funding is built specifically for wholesalers who need same-day capital for back-to-back closings. Funding is fast, predictable, and requires no credit pull. As long as both closings occur on the same day and documentation is in place, we can provide the capital needed to complete the transaction.
Absolutely. In addition to short-term investment loans, we offer 30-Year DSCR Rental Loans for buy-and-hold investors. These loans are based on the cash-flow performance of the property rather than your personal income or tax returns. This makes it easier to scale your rental portfolio while maintaining long-term, fixed-rate stability.
Submit your deal or connect with our lending team to get fast, straightforward approval from a true direct lender—no brokers, no delays, and no monthly payments during your project.
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