$1M
Maximum Loan Size
70%
Maximum LTV
1.20x
Minimum DSCR
6 Mo
Reserve Requirement
Loan Parameters
SDIRA real estate loans don't need to be complicated. Here's exactly what we lend on.
Up to $1,000,000
Per transaction
5 Years
30-year amortization
Up to 70%
Based on DSCR and experience
Fixed Rate
No prepayment penalty
1.20x minimum
Property must cover debt service
6 months PITIA
Verified at custodian
1.00%
Due at closing
Non-recourse
Bad-boy carveouts apply
Income-producing real estate
Held within the SDIRA
IRA Resources
Additional custodians coming soon
Who We Serve
Thunderbird Credit exists for one type of borrower: the self-directed IRA holder who wants to put their retirement capital to work in real estate.
SDIRA holders acquiring income-producing real estate inside their IRA
Self-directed investors refinancing existing IRA-held property to fund additional acquisitions
IRA holders using bridge or delayed financing to close quickly and season equity
Investors holding single-family rentals, small multifamily, or light commercial real estate in their SDIRA
Clients referred by SDIRA custodians seeking a dedicated, compliant lending partner
Why Thunderbird
01
We don't adapt a conventional loan process to fit your IRA. We built from scratch for this structure — understanding prohibited transaction rules, custodian requirements, and IRA-specific compliance at every step.
02
Submit your deal and receive a conditional term sheet within 15 minutes — automatically. No waiting for a loan officer to call back. Your IRA shouldn't miss a deal because a lender moves slowly.
03
Our credit standards are built on institutional banking principles: conservative LTV, verified DSCR, structured reserves. Rigorous enough to protect your IRA, straightforward enough to close without friction.