Capital for Real Estate Investors

Speed•Structure•Certainty of execution

LLUMILA provides business-purpose real estate financing for investors, developers, and operators nationwide. From fix-and-flip rehabs to ground-up construction and long-term rental portfolios, we structure capital that aligns with real execution – not retail underwriting checklists.

Fix & Flip / Rehab Loans

Capital structured specifically for renovation projects.

Purchase + rehab financing
Rehab escrow draws
Interest-only options
Nationwide programs

Built for investors who need capital to execute - not explain their business.

Hard Money Loans

Short-term asset-based financing designed for speed and flexibility.

Purchase, refinance, or cash-out
Fix & flip and bridge financing
As-is value lending
Minimal documentation
Fast closings

Ideal for time-sensitive acquisitions and value-add projects.

Ground-Up Construction Loans

Financing for residential and small commercial development.

Single-family and small multifamily construction
Townhomes and investor developments
Lot acquisition and construction financing
Draw schedules aligned with build phases

We focus on the deal fundamentals, not unnecessary red tape.

DSCR Loans – Long-Term & Short-Term Rentals

Cash-flow-based financing for rental properties.

DSCR underwriting (no income verification)
Long-term rental properties
Short-term rental (Airbnb / VRBO)
Purchase and refinance options
Portfolio lending available

Perfect for investors scaling rental portfolios efficiently.

Commercial Mortgages

Financing for income-producing commercial real estate.

Multifamily
Mixed-use
Retail
Office
Industrial

Flexible structures based on asset quality, cash flow, and sponsor experience.

Why LLUMILA

Business-purpose focus — investors only
Flexible underwriting
Investor-centric structures
Direct access to capital markets and private lenders

We don't sell rate sheets.

We structure deals that close.

Our Process

Submit Your Deal – Quick intake, no unnecessary paperwork
Capital Review – Asset, leverage, exit, and execution reviewed
Term Sheet Issued – Clear, transparent terms
Close & Fund – Efficient closing with certainty

Future Offerings (Soon)

Business Cash Flow Financing

Business cash advances
Revenue-based financing
Working capital for real estate operators

Designed to support operating liquidity and growth.

Ready to Fund Your Next Deal?

Whether you’re closing fast, building from the ground up, or refinancing a stabilized asset, LLUMILA delivers capital that matches your strategy.