Itsy Bitsy We Fund the Needle In The Capital Stack
Discover the wide range of property types funded by Itsy Bitsy Commercial Mortgage. We specialize in financing small-balance loans for apartments, mixed-use buildings, retail spaces, light industrial, office properties, 4-unit residential investments, and more.
Itsy Bitsy offers a suite of loan products which are built to meet the needs of investors across different real estate investment strategies and throughout the life cycle of an investment property.
Itsy Bitsy offers a competitive and flexible DSCR product to help investors tap into existing equity or build and scale long-term rental portfolios with ease.
Loan-to-value (LTV) ratios up to 85%. Itsy Bitsy’s flexible programs focus on property cash flow, not personal income. Whether you’re tapping into equity, acquiring new assets, or scaling your rental portfolio, our streamlined approval process, and high LTV options help you build wealth with ease.
Itsy Bitsy offers DSCR loans from $875,000 to $3 million with terms of 15, 20, 25, and 30 years and loan-to-value (LTV) ratios up to 85%. Designed for real estate investors, our flexible programs focus on property cash flow, not personal income. Whether you’re tapping into equity, acquiring new assets, or scaling your rental portfolio, our streamlined approval process, competitive rates, and high LTV options help you build wealth with ease.
Up to 75% on cash-out refinances. Built for real estate investors, our loans prioritize rental property income over personal income, making it easier to qualify and grow. Whether you’re unlocking equity or expanding your portfolio, we provide fast, flexible funding to match your goals.
Itsy Bitsy funds a wide range of non-owner occupied property types, including single-family rentals, condos, townhomes (1–4 units), multifamily (5+ units), short-term rentals, mixed-use, retail, office, light industrial, mobile home parks, warehouses, self-storage, day care centers, restaurants, bars, and automotive spaces.
Itsy Bitsy offers fix and flip loans with 6 to 9-month terms and interest-only payments—perfect for investors seeking fast, flexible capital for property renovations.
Itsy Bitsy offers fix and flip loans up to $3M for 1–4 unit residential properties, including duplexes, these key benefits are designed to fuel your fix and flip investments and accelerate your profitability—ideal for fast renovations
Up to 93.5%
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6 to 24 Months + Extension
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$150K to $5M+
Up to 93.5%
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Itsy Bitsy is a hard money lender serving the needs of the real estate investor and the small builder borrower who is striving to build wealth and generate income for themselves and their families. We offer hard money rehab loans and ground-up construction loans for investors only in NC, SC, GA, VA, TN, and FL.
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