New Wave Loans Residential

The firm originates senior-secured, short-term loans for residential investment properties. Typical products include bridge loans for acquisitions, fix-and-flip funding, and construction loans for ground-up single-family or small multifamily projects. Loans are underwritten primarily to the value of the completed asset and the borrower's project execution history.

The firm's capital structure is not publicly disclosed. It likely relies on a mix of principal equity, private credit lines, and co-investment from high-net-worth individuals, consistent with the operating model of independent direct lenders in the residential transitional-loan space.

The firm appears to operate as a portfolio lender, holding loans on its own balance sheet or within closely held vehicles. There is no public record of whole-loan sales, securitizations, or mortgage-servicing-rights transfers. This model concentrates credit risk but avoids the complexity and cost of warehouse-line leverage and capital-markets execution.

Loan origination likely depends on a broker network and repeat-developer relationships — the standard distribution model for private residential lenders. Borrowers are typically full-time real estate investors seeking faster closings and more flexible underwriting than traditional community banks or credit unions can offer.

The firm concentrates on Sun Belt and secondary Midwest markets, where lower property acquisition costs relative to renovation budgets produce more favorable loan-to-value entry points. Specific state or MSA-level exposure is not publicly reported.