About Us

DESCANS LOAN in affiliation with LOAN TREE, LLC Private Lending is a leading boutique private lending firm specializing in small, medium and large scale loans to people in various industries but with particular focus on Real Estate , Agriculture , Oil and Gas etc.. Descans Loan was founded by EDWARD JOSEPH DESCANS and MOLLY SUE WALKER in 2014 to provide affordable financing to real estate investors during the fallout of the financial crisis. Over the past nine years, Descans Loan has developed into one of the most reputable lenders to fix and flip real estate investors in the nation. Despite expanding to an international presence, Descans Loan remains a nimble, family-run organization committed to developing relationships, providing personalized service, eliminating bureaucracy, and simplifying the financing process for our borrowing partners. Descans Loan serves as a capital partner to professional real estate investors of all experience levels, often becoming an integral part of our borrowing partners’ business processes. By eliminating the capital concerns associated with financing real estate investment projects, Descans Loan frees borrowing partners to spread their time, attention, and capital across more projects. Why should I consider Descans Loan? Our commitment to developing long-lasting personal and professional relationships with our borrowing partners is what distinguishes us from our competitors. The “Descans Loan Advantage” is captured through six merits: Fast – We approve new clients in as little as 24 hours and process most loan requests within one week. Affordable – Our loan rates and terms are competitive with any private lender in the industry and compare favorably to “hard-money” lenders—allowing you to maximize your profit! Relationship-Oriented – Our goal at Descans Loan is to become your preferred capital partner. We aim to build long-term personal and professional relationships with real estate investors who complete numerous projects each year. Mutual trust and a win-win mentality are the cornerstones of our relationship philosophy. Efficient – We strive to keep bureaucracy, administration, and “process” to a minimum so that you can focus on doing what you do best—fixing and flipping properties! Personal Service – As a family-run business, Descans Loan strongly believes in exemplary service and a personal touch to achieve borrower satisfaction. To ensure optimal service, our borrowing partners always work directly with a member of our senior management team! Dependable – Since our founding in 2009, Descans Loan has never failed to fund a loan commitment on time and in full. In addition, we are devoted to assisting our borrowing partners through any obstacles and/or frustrations throughout the financing process.  

Our Vision

  • We customize our loans to satisfy the needs of our borrowing partners. Whether your priority is receiving the maximum amount of capital for your deal or obtaining the lowest possible rate, we work with you to arrange an optimal loan structure.
  • We lend on non-owner-occupied (1-4 unit)  residential investment properties for Fix N’ Flip, New Construction, and Long-Term Buy and Hold Rental investment strategies.
  • We require a first lien security position on most of our loans.  Case by Case.
  • Our loan terms are typically 12-48 months for Fix N’ Flip and New Construction and 30 years for Buy & Hold Rentals. All loans are fixed-rate products. 
  • Rates range between 1.5-4 points and 7.0% interest depending on project type, experience, and creditworthiness.
  • We fund up to 90% of the purchase price and 100% of the rehab budget for certain transactions and project types.
  • We fund loan amounts of between $30,000 to $20,000,000 for a single project (including both the purchase price and the rehab budget).  We do not consider loans with total amounts below $30,000 except personal loans.
  • We don’t require a minimum credit score as the loan isn’t based on credit. It’s based on the deal and the ability to repay the loan.
  • An valuation document is required for each property that we underwrite. For projects that do not involve a rehab, an interior BPO appraisal will suffice. For projects that involve a rehab and/or have a loan size above $250,000, a full appraisal is required.