Salem, OR’s Trusted Hard Money Lender for Real Estate Investors

When the right deal shows up, speed matters more than paperwork. Traditional lenders can take weeks, but your seller, contractor, and holding costs will not wait. Unitas Funding offers hard money loans in Salem built for investors who need fast decisions, clean terms, and funding that keeps pace with the local market, whether the plan is a quick flip, a rehab-to-rent, or a purchase that needs a short close.

More than typical hard money lenders in Salem, our team works like a capital partner that understands how investors grow. Backed by $4.5 billion in institutional capital and 10,000 funded loans, our process blends construction know-how with institutional-grade underwriting, so the experience stays responsive while the execution stays reliable. From first-time flippers to portfolio builders juggling multiple projects, Salem investors choose Unitas for solutions tailored to the realities of each property and each exit strategy.

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Fast, Reliable Capital for Your Next Real Estate Deal

The difference between a winning offer and a lost deal often comes down to timing. Waiting on conventional financing can slow everything, especially when the property needs work or the seller wants certainty. Unitas Funding offers hard money lending in Salem that helps real estate investors move decisively with funding built around the deal, not bank constraints. A value-add fix-and-flip, a ground-up construction project, or a long-term rental property acquisition can all be financed with the speed serious investors expect.

Fix & Flip Loans

Fix & Flip Loans

Confidence matters when capital is on the line. Our team brings an investor-friendly structure, clear communication, and a reliable process supported by $4.5 billion in institutional capital and 10,000 funded loans. The experience stays straightforward and responsive, while still backed by strong lending capacity. Investors working on one property or an active portfolio choose Unitas because each loan is treated as a tailored solution, built to support real timelines, real budgets, and real exit strategies.

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New Construction Loans

New Construction Loans

Ground-up builds come with moving parts that many lenders do not price or pace correctly. New construction loans are structured to support single-family spec homes and multifamily projects with predictable access to capital. Funding is released through staged draws aligned to inspections and major milestones, so cash shows up when the work is ready for it. Decisions are based on the real-world fundamentals of your deal and your track record, not a generic checklist that ignores how different Salem submarkets can perform.

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Bridge Loans

Bridge Loans

Timing gaps can kill deals, especially when sellers want certainty and banks move slowly. Bridge loans provide short-term financing, typically 6-12 months, built for speed so you can secure a property while long-term financing is being arranged. Investors use Salem bridge loans to buy quickly, refinance an existing asset, or transition between strategies without missing a closing window. Terms are structured around your specific scenario so you get clarity on costs, exit, and deadlines from day one.

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DSCR Loans

DSCR Loans for Rental Properties

Scaling rentals gets harder when financing depends on personal income documentation instead of property performance. DSCR loans for rental properties in Salem qualify primarily on the cash-flow potential of the asset, which makes portfolio growth more practical. Whether the goal is a short-term rental near Graceland, a mid-term corporate housing setup, or a long-term hold in East Salem, DSCR financing focuses on income coverage and rental fundamentals. This asset-based underwriting reduces paperwork while providing a repeatable path to expand your Salem rental portfolio.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Institutional-strength capital gives investors the confidence they want, and our partner-first mindset delivers the pace they need. With $4.5 billion in funded loans, Unitas offers the balance-sheet backing you expect from major lenders, paired with a direct lending model built for speed and flexibility. Traditional banks often take 30–45 days to approve a deal, but our Salem hard money lenders can close in as few as 10 business days. Smaller private money lenders may move fast, but limited capital can slow your momentum, especially when you are running multiple projects. Consistent funding capacity supports Salem investment property growth as your portfolio expands.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Rigid underwriting boxes are the reason many Salem borrowers get declined even when a deal makes sense. A deal-by-deal review changes that outcome. Our underwriting team looks at the property fundamentals, the Salem market, and your exit strategy instead of relying on one-size-fits-all rules. That flexibility helps structure solutions for complex timelines, adjust terms to match your schedule, and create a clear path to approval when other lenders default to “no.” Clarity and transparency stay at the center of the process, not arbitrary restrictions that limit your investment potential.

  3. Certainty from a Direct Lender.
    Predictability matters when you are negotiating in a competitive Salem real estate market. As a direct lender, Unitas controls its capital and makes in-house underwriting decisions, so an approval is not waiting on additional committees or a third party. Conduit lenders can introduce uncertainty when loans are sold off, but a direct lending relationship keeps decisions and funding under one roof. That reliability becomes even more important during market volatility. The April 2022 disruption highlighted the difference, with many conduit lenders facing funding freezes while direct lenders like Unitas continued to fund projects without interruption.

  4. Faster Funding, Faster Draws
    Construction timelines in Salem rarely follow a perfect schedule, so capital access has to stay responsive. Our draw process targets 24–48 hour turnaround times after inspection reports are completed, helping your project keep moving instead of stalling in lender bureaucracy. Flexible draw management reduces cash flow pressure and supports real-world jobsite pacing. Fast draw request processing within reasonable ranges keeps momentum intact, and most projects land around 10 draws from start to completion. Faster draws protect schedules, contractors, and your ability to hit the exit plan.

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Get Pre-Approved in 24 Hours!
Many investment property opportunities move quickly, so early certainty can make the difference between winning and losing a deal. The form below starts the pre-approval process, and our team reviews the details to provide a preliminary term sheet within 24 hours. Unitas Funding helps Salem investors make stronger offers and plan closings with fewer surprises. First-time fix-and-flip buyers and experienced operators pursuing rental property acquisition alike rely on our hard money lenders serving Salem for capital, expertise, and a true partnership approach.

Frequently Asked Questions

What types of investment properties do you finance?

Real estate investors can finance residential properties such as single-family homes, multifamily buildings, condos, and townhomes. These private loans for Salem real estate investors deals are structured for business-purpose use, supporting fix-and-flip projects, rental acquisitions, and new construction under LLCs and corporate entities rather than owner-occupants.

How quickly can you close on a Salem investment property?

Short timelines are available for investment property closings, including closings in as few as 10 business days with a complete file. Pre-approvals and term sheets are often ready within 24 hours of submitting the application. Title work and valuation completion influence final timing, but the streamlined approach is built to move faster than bank loans that commonly require 30 to 45 days at minimum.

What are your loan-to-cost ratios for Salem fix-and-flip projects?

Strong leverage is available for Salem fix-and-flip financing, with loan-to-cost ratios up to 92.5% on qualified projects. Property type, neighborhood, borrower experience, and rehab scope influence the final structure. Asset-based underwriting emphasizes after repair value (ARV) and the exit strategy, allowing flexibility for solid deals while keeping risk disciplined. Rates start at 8.99%, with rates determined by credit profile, experience, and deal-level factors.

Do you require personal income verification for DSCR loans?

DSCR loans do not require personal income verification. The underwriting focus stays on the property’s expected cash flow and the debt service coverage ratio, instead of personal W-2s, tax returns, or job history. Liquidity for the down payment and business entity documentation is reviewed, while the extensive income paperwork used by traditional lenders is avoided.

What areas of Salem do you serve?

Our service area covers Salem and surrounding communities, including Germantown, Collierville, Cordova, Bartlett, Lakeland, Arlington, and other Shelby County markets. Tennessee statewide and nationwide lending is also available, with offices in New Jersey and Florida for investors who want in-person access, plus remote support for investors who prefer a fully digital process.

Ready to Fund Your Next Salem Real Estate Investment?

Winning in Salem often comes down to funding speed and reliability, not just finding the right property. Unitas Funding provides private loans designed for Salem real estate investors who need quick clarity, flexible terms, and a lender that understands the pace of the market. Our hard money lenders review your project and deliver a preliminary term sheet within 24 hours, so you can negotiate from strength and move forward without uncertainty. Whether you’re financing a Salem fix-and-flip or a rental property acquisition, you get a streamlined pre-approval process and a lending team focused on helping your deal work.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.