Capital That Fits Your Strategy
Fix & Flip / Bridge Loans
Rental Loans (DSCR + Portfolio)
Fix & Flip / Bridge Loans
For fast-moving investors who need capital that keeps up.
STRs, MTRs, and PadSplits
Rental Loans (DSCR + Portfolio)
Fix & Flip / Bridge Loans
Short-term rentals, extended stays, creative models — we get it and we fund it.
Rental Loans (DSCR + Portfolio)
Rental Loans (DSCR + Portfolio)
Rental Loans (DSCR + Portfolio)
Long-term holds, short-term answers. Structured in-house with clarity.
Multifamily & Mixed-Use
Our TeamTailored Capital
Rental Loans (DSCR + Portfolio)
$1M–$3M+ deals that need more than an algorithm to close.
New Construction
Our TeamTailored Capital
Our TeamTailored Capital
Ground-up or infill, we’ll help you start strong and finish faster.
Our TeamTailored Capital
Our TeamTailored Capital
Our TeamTailored Capital
Because no great deal ever started with a drop-down menu.
Why Oak Tree
We Lend Like Investors — Because We Are
Unlike volume lenders or tech platforms, Oak Tree is built around relationship lending. Our team is made up of active real estate investors who bring real insight to every deal — not just capital.
White-glove service
One point of contact from start to close — call, text, Zoom — whatever works.
Creative structuring
Flexible funding range
Flexible funding range
STRs, PadSplits, portfolios? Love it. Let’s talk strategy.
Flexible funding range
Flexible funding range
Flexible funding range
Big enough to fund complex projects. Small enough to care about every one.
It felt less like applying for a loan and more like having a partner in my corner. The service was next level.”
— Shelly M., First-Time BRRRR [ACTUAL CUSTOMER]
I’ve worked with a lot of lenders. Oak Tree actually listens. They understood the deal, moved fast, and got it done.”
— USA PML Guy, Portfolio Investor [NEED APPROVAL]
“I love that Oak Tree loan specialists bring real investing experience to the table and help me become a smarter, more confident investor!”
— Kelly S., 8 Properties [ACTUAL CUSTOMER]
Free Guide: Unlocking Value in STRs, MTRs & PadSplits
These aren’t trendy side hustles. They’re serious wealth-building strategies — when done right.
In this real insights from real investors guide, we break down what actually works in today’s rental market, based on real investor deals (and real mistakes):
- Pros and pitfalls of STRs, MTRs, and PadSplits — and how to know what fits your market
- How to underwrite differently when tenant turnover isn’t traditional
- Zoning, management, and pricing nuances no one tells you upfront
- What smart investors are doing now to stay ahead of regulation and saturation
- Key metrics, deal structure ideas, and questions to ask before you scale