We were just getting ready to break ground on our third home build and wanted a lender who understood the process from start to finish. Pillar came highly recommended from our mortgage friend, and they didn’t disappoint. From day one, they helped us organize our budget, reviewed the builder’s scope, and answered all our questions. The loan process was fast and straightforward, and we had funding in place right on schedule. It made all the difference having a lending partner who actually knows construction.
Todd and Jill - Colorado Springs Co
Working with Pillar Private Lending on our DSCR loan was incredibly easy. From start to finish, the team was knowledgeable, responsive, and made the process feel seamless. They clearly understood investment property financing and tailored the loan perfectly to fit our rental income and goals. We’ve worked with other lenders in the past, but this was by far the smoothest experience we’ve had. Highly recommend.
Mike and Simon - Orlando, Fl
Pillar Private Lending made our DSCR loan experience outstanding. The team was attentive, professional, and always quick to respond, which gave us total confidence throughout the process. They understood the unique challenges of investment property financing and structured our loan in a way that maximized our cash flow and long-term goals. Compared to other lenders we’ve used, Pillar’s service and execution were on another level. We’ll definitely be coming back for our next deal.
Jonathan McD - Hurst Tx
We needed to close on 3 single family homes; we were renovating all 3 and keeping one, selling the other 2. The seller was only willing to sell all 3 if it was a quick cash closing, so we reached out to Pillar and team, and within 24 hours they had term sheets to us. Surprisingly competitive pricing – we’ve done a lot of private and hard money loans. Closed on time, I can definitely recommend.
John S - Bellevue Wa

What types of loans do we offer?

DSCR Rental Loans

Rental Loans

  • Approval is based on the property’s cash flow (rent vs. mortgage payment), not the investor’s W-2s, tax returns, or pay stubs.
  • Investors can build larger portfolios since DSCR loans often have more flexible limits on the number of financed properties compared to conventional loans.
  • These loans allow borrowers to close in the name of an LLC or corporation, helping investors protect their personal liability and streamline tax benefits.
  • DSCR loans are designed for both long-term and short-term rental properties, making them versatile tools for investors focused on maximizing cash flow and appreciation.

Ground Up Construction

Ground Up Construction

  • Flexible Draws: Streamlined draw process to keep your project moving and cash flowing.
  • Build Without the Red Tape: No tax returns or income docs—just a solid plan and exit strategy.
  • Custom Loan Structures: Tailored terms to fit your timeline, project scope, and resale or rental goals.
  • Investor-Focused: We're builders and lenders—so we get your vision and help you bring it to life.

Fix and Flip

Fix and Flip

  • Close Quick: Get funding fast so you can secure deals before the competition.
  • 100% of Rehab Costs: We finance both purchase and renovation—maximize your leverage.
  • No Income Verification: Approval based on the deal, not your W-2s or tax returns.
  • Flexible Exit Options: Sell, refinance, or hold—our loans are built to match your strategy.
  • Experienced Investor Support: Work with a team that understands the pace and pressure of flipping.

What sets us apart?

At Pillar Private Lending, our competitive advantage is simple: we keep our costs low and pass those savings directly to our borrowers.

Our team is small by design—no oversized office or bloated overhead, just five highly experienced loan originators and two dedicated processors—working together to earn every single loan we close.

This hands-on approach means you’ll never be lost in a massive system or treated like just another number. Instead, you get the full attention of a team that is committed to guiding you through the process with clarity, responsiveness, and expertise.

We pride ourselves on being available when you need us most. Whether it’s answering your questions, running scenarios, or moving quickly to close, our team works tirelessly to stay competitive and accessible.

At Pillar, you won’t find layers of bureaucracy—just a dedicated group of professionals focused on delivering value, service, and savings on every loan we do.

  • Tell us how we can help you.

*Pillar Private Lending is a private lending institution that offers financial products, including fix-and-flip loans, ground-up construction loans, and cash-out refinances of investment properties. We are committed to providing clear and accurate information to help you make informed decisions about your lending needs.

All lending activities comply with federal and state regulations to ensure consumer protection.

For any questions about loan programs, requirements, or any other inquiries, please don’t hesitate to contact our friendly and knowledgeable team today. We look forward to getting you taken care of.