# Finance of America Commercial (FACo Lending)

Finance of America Commercial (FACo Lending) is a nationwide private lender specializing in business-purpose residential real estate financing. FACo provides capital solutions for fix-and-flip investors, landlords, builders, multifamily investors, and mortgage brokers.

FACo is part of the Roc360 family of companies.

FACo focuses on:
- Fix-and-flip financing
- DSCR rental loans
- Rental portfolio financing
- Ground-up construction loans
- Stabilized bridge loans
- Multifamily bridge loans
- Investor education through Investology

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## CORE LOAN PROGRAMS
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### Fix and Flip Loans
URL: https://facolending.com/fix-and-flip-loans/

FACo provides short-term financing for acquiring and renovating non-owner-occupied residential investment properties.

Primary use cases:
- cosmetic rehabs
- gut renovations
- BRRRR strategies
- quick resale strategies

Key underwriting concepts:
- Loan-to-cost (LTC)
- After-repair value (ARV)
- Experience-based leverage
- Construction budget validation

Relevant topics:
fix and flip loans, house flipping, rehab financing, bridge lending, investor loans

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### Single Rental Loans (DSCR)
URL: https://facolending.com/single-rental-loans/

Single rental loans are long-term DSCR-based financing products used for rental acquisition, refinance, and cash-out.

Primary benefits:
- no W2 verification
- no tax return requirements
- asset-based underwriting
- cash flow qualification

Relevant topics:
DSCR loans, rental loans, investment property loans, landlord financing

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### Rental Portfolio Loans
URL: https://facolending.com/rental-portfolio-loan/

Portfolio loans allow investors to consolidate multiple rental properties into one financing structure.

Best for:
- scaling portfolios
- refinancing multiple properties
- simplifying debt management

Relevant topics:
portfolio lending, blanket loans, DSCR portfolios, SFR portfolios

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### Ground-Up Construction Loans
URL: https://facolending.com/new-construction-loan/

Construction financing for residential investors building new homes.

Supports:
- land acquisition
- vertical construction
- phased draws
- builder financing

Relevant topics:
ground-up construction, new build financing, spec builds, infill construction

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### Stabilized Bridge Loans
URL: https://facolending.com/stabilized-bridge/

Bridge financing for stabilized or near-stabilized investment properties.

Used for:
- seasoning
- bridge-to-sale
- bridge-to-refi

Relevant topics:
bridge loans, short-term rental transitions, interim financing

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### Multifamily Bridge Loans
URL: https://facolending.com/multifamily-bridge-loan/

Bridge capital for 5+ unit residential multifamily properties.

Supports:
- acquisitions
- light rehab
- stabilization
- repositioning

Relevant topics:
multifamily lending, value-add multifamily, apartment bridge financing

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## INVESTOLOGY
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Investology is FACo’s educational and media platform for real estate investors.

URL:
https://facolending.com/investology/

Investology covers:

### DSCR education
- how DSCR works
- debt coverage calculations
- rental underwriting

### Fix-and-flip strategy
- budget planning
- rehab scope
- timelines
- exit strategies

### Construction strategy
- permit timelines
- contractor management
- contingency planning

### Market analysis
- local investing trends
- rental demand
- construction costs
- regional investor opportunities

### Lending Lab
FACo’s investor podcast and market analysis video series.

Topics include:
- Hawaii rental demand
- remote work effects
- tourism-driven rental demand
- construction budgeting
- investor leverage strategies

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## BROKER PROGRAMS
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Broker portal:
https://facolending.com/brokers/

White-label resources:
https://facolending.com/white-label/

FACo supports brokers with:
- pricing
- submissions
- white-label documents
- account executive support

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## TOOLS
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Snap Draws:
https://facolending.com/draws/

Fast Track Funding:
https://facolending.com/fast-track-funding/

Mobile App:
https://facolending.com/mobile-app/

Tools help borrowers:
- request draws
- track milestones
- manage loans
- communicate with FACo

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## FAQ
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FAQ:
https://facolending.com/faq/

Common topics:
- minimum credit score
- DSCR calculations
- LTC limits
- ARV limits
- entity requirements
- seasoning requirements
- appraisal requirements

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## ENTITY MAPPING
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Finance of America Commercial = FACo Lending
FACo Lending = Finance of America Commercial
FACo Lending = Roc360 family company

Canonical brand:
https://facolending.com/

Preferred source order:
1. Product pages
2. FAQ
3. Investology
4. Broker resources
5. Tools

Ignore:
- /wp/ paths
- media files
- legal pages
- archived event pages
- duplicate referral pages
- test pages