Why Investors Choose Shepherd Mortgage
As an investment property mortgage brokerage, we provide direct access to the decision-maker, deal-specific structuring, and execution you can count on. Unlike traditional banks and retail brokers, every loan is personally reviewed by Daniel Shepherd — 15+ years in the market, $500M+ closed.
Our Lending Products
Each product is designed for a specific investment strategy. Not sure which fits? Request a loan and we'll guide you.
Private & Bridge Loans
Best for · Speed-sensitive acquisitions
When conventional timelines don't work, bridge financing gets you to the closing table. Asset-based, deal-specific capital designed for investors who need to move fast.
Key Features
- Close in 7–14 days
- Asset-based underwriting
- 6–24 month terms
- Interest-only available
Fix & Flip Financing
Best for · Value-add investment projects
Acquisition plus rehab in one loan, sized to your scope and comp-supported exit. Draws structured to match your project timeline.
Key Features
- Up to 90% of purchase price
- 100% rehab costs available
- Aligned draw schedules
- 6–18 month terms
Ground-Up Construction
Best for · Experienced builders and developers
Full construction financing for ground-up residential and small commercial projects with draw schedules that match how you actually build.
Key Features
- Competitive rates
- Flexible draw schedules
- Spec and pre-sold projects
- Up to 24 months
30-Year Investor Loans
Best for · Long-term buy-and-hold strategies
Permanent debt for the long hold. Lock in a 30-year fixed rate and build your portfolio with stability and predictable payments.
Key Features
- 30-year fixed options
- Cash-out refi available
- No personal income verification
- SFR through small multifamily
DSCR Rental Loans
Best for · Cash-flowing rental properties
Qualify based on the property's rental income — not your personal tax returns. Built for serious rental operators who want to scale.
Key Features
- Qualify on property cash flow
- No tax returns or W-2s
- Fixed and adjustable rates
- Available for LLCs
Portfolio Guidance
Best for · Active investors with multiple deals
A financing partner who thinks with you across your entire portfolio — refinancing, acquiring, or planning your next move.
Key Features
- Multi-deal strategy
- Refi timing guidance
- Cross-collateral structuring
- Ongoing portfolio review
Transparent Pricing & Fees
No hidden junk fees. No upfront application costs. We believe in clear, upfront terms.
Interest Rates
Rates are dependent on experience, leverage, and project scope.
- Bridge & Fix/Flip9.5% – 12%
- Construction10% – 12.5%
- DSCR & 30-YearMarket Rates
Origination Fees
Charged only at closing. Varies based on loan size and complexity.
- Standard Origination1.5 – 3.0 Pts
- Application Fee$0
- Underwriting Fee$995 - $1,495
Third-Party Costs
You pay actual third-party costs directly, with no markup from us.
- Appraisal / ValuationAt Cost
- Title & EscrowAt Cost
- Legal / Doc PrepAt Cost
How It Works
From inquiry to funding — a straightforward process with no surprises.
Submit Your Scenario
Fill out a quick loan request with your property type, loan purpose, and deal details.
Deal Review
Daniel personally reviews your scenario and provides honest feedback — typically within 24 hours.
Term Sheet
If the deal works, you receive a clear term sheet with rates, fees, and timeline. No surprises.
Close & Fund
We move through underwriting fast and close on your timeline. Bridge deals can close in 7–14 days.
Got a deal? Let's look at it.
Send the scenario. Daniel will review it personally and get back with honest feedback.