Ei8ht Street Funding

What Ei8ht Street Funding does

Ei8ht Street Funding is a privately held commercial mortgage origination firm that provides financing to real estate investors for non-owner-occupied investment properties. The company originates three core loan products: a 30-Year Rental Loan ($75,000–$5,000,000) for long-term rental holds, a Fix and Flip/Bridge Loan ($75,000–$10,000,000) for short-term purchase and renovation financing, and a Ground-Up Construction Loan ($150,000–$5,000,000) for new-build investment properties. Its underwriting process is differentiated by the absence of traditional income documentation requirements—no tax returns, pay stubs, DTI calculations, or financials—enabling same-day pre-approvals and 7-14 day closings. The company has funded 1,000+ loans and deployed $300M+ in investor capital across most U.S. states.

The company's technology footprint is modest, with no specific technology stack disclosed beyond an online quote questionnaire that allows borrowers to receive term sheets after a brief deal Q&A. Revenue mechanics are transaction-fee-based on the loan products, supplemented by commission payouts to brokers (up to 3 points per deal) and referral partners (up to 25bps per closed loan). Distribution is omnichannel: direct sales via commission-based mortgage loan officers, a nationwide broker and referral partner network with white-label support, and an online self-serve questionnaire channel.

Customer segments include real estate investors (rental, fix-and-flip), mortgage brokers and loan officers as distribution partners, and explicitly targeted underserved investors and emerging markets. The company also sells a consumer-facing real estate investor board game ('Chasing A Milli') as a brand-extension product. Ei8ht Street Funding holds a featured lender partnership with BiggerPockets, has been recognized as a 2025 'Best Startup US' by The American Startup Magazine, and markets across Instagram, Facebook, YouTube, an educational blog, and email newsletter channels.

Name

Ei8ht Street Funding

Website

https://ei8htstreetfunding.com

Company type

Private

Operating status

Operating

Short description

Ei8ht Street Funding is a privately held commercial mortgage originator providing no-income-doc investment property loans—rental, fix-and-flip, and ground-up construction—to U.S. real estate investors, distributed through a broker and referral partner network.

Ownership category

akta.pro rank

Product category

Commercial Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Commercial/Non-Residential Construction-to-Perm Financing (FSALAHAE)

Keywords

• Real estate lending
• Commercial mortgages
• Rental property loans
• Fix and flip financing
• Construction lending

Headquarters

HQ city

Fort Lee

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Lending: Interest income from providing mortgage loans to real estate investors. Loans include 30-Year Rental Loans, Fix and Flip/Bridge Loans, and Ground-Up Construction Loans with loan amounts ranging from $75,000 to $10 million.
2. Broker Fees: Brokers earn up to 3 points per deal paid at closing on HUD statement for DSCR, Fix & Flip and Ground Up Construction loans.
3. Referral Partner Fees: Referral partners earn up to 25 basis points (25bps) when their referrals close on loans.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Ei8ht Street Funding is a commercial mortgage origination firm that lends directly to real estate investors on non-owner-occupied investment properties. Its core offerings are the 30-Year Rental Loan Program, the Fix and Flip/Bridge Loan Program, and the Ground-Up Construction Loan Program, with loan amounts ranging from $75,000 to $10 million and qualification requiring no tax returns, pay stubs, DTI calculations, or financials.

Product overview

Ei8ht Street Funding operates as a commercial mortgage origination firm offering three core investment property loan products: the 30-Year Rental Loan Program (a no-income-doc mortgage for long-term holds), the Fix and Flip/Bridge Loan Program (short-term renovation financing), and the Ground-Up Construction Loan (for new construction projects). The company also offers an educational board game product called 'Chasing A Milli' as a brand extension targeting real estate investors.

Differentiator

Problem solved

Functional benefit

Products and services

• 30-Year Rental Loan Program A no-income-documentation, DSCR-style long-term mortgage designed for real estate investors purchasing or holding non-owner-occupied rental properties (1-4 unit residential, multifamily, mixed-use, and commercial). Loan amounts from $75,000 to $5,000,000 with LTV limits up to 80% for 1-4 units, 75% cash-out, 75% mixed-use, and 70% office/warehouse/retail.
• Fix and Flip/Bridge Loan Program Short-term financing for the purchase and rehabilitation of non-owner-occupied investment properties. Loan amounts from $75,000 to $10,000,000, terms up to 18 months, up to 100% of purchase price and 100% of rehab costs (not to exceed 75% ARV) for 1-4 units.
• Ground-Up Construction Loan Program Construction financing for ground-up new builds of residential 1-4 unit or 5+ unit investment properties. Loan amounts from $150,000 to $5,000,000, up to 85% Loan-to-Cost (LTC) and 70% of After-Repair Value (ARV).
• Chasing A Milli Board Game A retail board game themed around real estate investing, sold as a brand-extension product targeting the same investor audience. Available in Standard Edition ($40.99, includes 147 Quiz cards, 42 Investment Cards, Game Board, 4 Game Pieces, 1 Die) and Complete Edition ($69.99, includes 253 Quiz cards, Play Money, and standard edition components).

Quantifiable outcome

• Same-day pre-approvals available
• +3 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• BiggerPocketscoreGTM or Marketing PartnerEi8ht Street Funding is featured as a lender partner on BiggerPockets, one of the largest real estate investing communities and platforms. This partnership provides visibility and credibility among real estate investors seeking financing options.
• Uncontested InvestingminorGTM or Marketing PartnerMedia partnership for brand visibility and credibility in the real estate investing space.
• BestStartUpsminorGTM or Marketing PartnerRecognition platform partnership providing startup credibility and visibility.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Roc Capital Solutions: Private lender serving real estate investors with fix-and-flip, rental, and construction loans through a national broker network. Directly comparable in product, channel, and borrower profile.
• CoreVest: Lender for residential real estate investors offering rental portfolio, single-family rental, and fix-and-flip financing. Directly competes in Ei8ht Street's rental and rehabilitation loan categories.
• Capital Three: Private money lender focused on real estate investors (purchase, rehab, construction). Comparable specialty lender targeting underserved borrowers and broker-led distribution.
• Anchor Loans: One of the largest private real estate lenders in the U.S., focused on fix-and-flip and ground-up construction loans to investors. Overlapping broker distribution and product portfolio.
• Kiavi: Tech-enabled bridge lender focused on fix-and-flip and rental investors. Comparable target customer (real estate investors) and broker channel, with a stronger technology layer.
• Visio Financial: Non-QM and investor-focused lender offering DSCR rental loans and fix-and-flip products. Directly competes for the same investor-borrower segment with broker-driven origination.
• Lima One Capital: National private lender offering rental (DSCR), fix-and-flip, and ground-up construction loans to real estate investors. Closely comparable product suite, borrower base, and broker-driven distribution model.
• New Silver Lending: Private hard money lender offering fix-and-flip, rental (DSCR), and ground-up construction loans to real estate investors. Closely aligned product mix and broker-driven GTM.

Broad incumbents

• AHL (American Home Lending): Incumbent residential mortgage originator with investor and DSCR programs. Overlaps with Ei8ht Street on rental/investor loans but as part of a broader conforming and non-QM portfolio.

Emerging players

• Groundfloor: Real estate investment platform offering financing (and fractional ownership) to house flippers. Overlaps with Ei8ht Street on fix-and-flip lending while also operating a marketplace element.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@Ei8htstreetfunding
• Facebookfacebook.com/Ei8htstreetfunding
• Instagraminstagram.com/ei8htstreetfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ei8ht Street Funding