Center Street Lending: published loan terms
Center Street Lending publishes terms for fix and flip, bridge and ground-up construction loans. Its fix-and-flip rates start at 8.75%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Rate As Low As 8.75% |
|---|---|
| Loan to purchase / cost | LTC Up to 95% |
| Rehab funded | Not published |
| Cap on after-repair value | Not published |
| Points | Not published |
| Term | 6–24 Months (also 'Typically 12 to 18 months') |
| Minimum credit score | 650 ('650+ FICO score required, background check included') |
| Experience | Not published |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Center Street Lending's advertised starting rate of 8.75% would be about $9,472, against $11,366 at the example's 10.5%. Center Street Lending doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
Where Center Street Lending lends
Homepage 'Lending throughout the United States.' state selector lists: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NH, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WV, WI. 'Is your state not listed? You're not blacked out. We can help lend in your state with a case-by-case scenario.'
Not on its published list: Alaska, District of Columbia, Idaho, Minnesota, Nevada, New Mexico, North Dakota, South Dakota, Utah, Vermont, Wyoming.
Loan size
$200K to $5MM ('From $200K up to $5MM'), as published.
Other details from its website
Two most recent months of bank statements required. Servicing FAQ: interest calculated daily, paid monthly in arrears; 10-day grace; late fee 10% of payment (FL, DC, VA: 5%); draw inspection fee $250 to $350 per inspection; lien release required for draws over $20,000.
Licensing disclosure
CA DRE - License #01883377; CFL License No. 60DBO-57755; NMLS 905781
Source
Read on 2026-10-24 from centerstreetlending.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Center Street Lending, and Center Street Lending did not review this page.
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