Accolend Review 2026: No-Point Fix & Flip, Bridge, Ground-Up and DSCR Loans
By Greg Wilson, commercial loan broker and publisher of Lender Tribune · Last verified November 3, 2026
About Accolend
Accolend handles processing, underwriting and closing in-house and says it is backed by institutional capital. It launched its no-points programs in 2016 and reports more than $1 billion funded across 1,450+ deals.
The site says Accolend lends in 40 states and Washington, DC, though its state pages cover fewer markets. Confirm your state before applying.
Accolend loan programs at a glance
| Program | Loan size | Leverage / requirements | Term | Pricing and notes |
|---|---|---|---|---|
| Fix and flip | $115K–$3M | Up to 85% LTC (experienced), 70% LTARV | 12–18 months | From 10.25%, no points; 7–15 day close |
| Bridge | $115K–$3M | Up to 75% LTV by experience | 12–18 months | From 10.25%, no points; 7–15 day close |
| Ground-up construction | $300K–$3M | 60% upfront LTC, 75% LTC, 65% LTARV; 650 FICO, 3 prior deals | 12–24 months | From 10.25%, no points |
| Multifamily and mixed-use | $300K–$8M | 75% LTC, 65% LTARV; 670 FICO | 12–18 months | Closes in 2–4 weeks |
| DSCR rental (1–4 units) | Up to $3.5M | Up to 80% LTC on purchase; DSCR from 0.75x | 30-year | From 6.875%, no points |
Rates and closing times from accolend.com, checked November 3, 2026. Loan sizes and leverage from Accolend program PDFs on file; confirm before relying on them.
Who Accolend fits best
- Investors who want to cut closing costs with no-point pricing
- Flippers in the Northeast and Mid-Atlantic who need 7 to 15-day closings
- Rental investors with properties that cover debt below 1.0x
What to check before you apply
- No points does not mean cheapest. Compare total cost against a lower rate with 1 to 2 points.
- Program materials on file call for full appraisals and LLC borrowers.
- No rural properties and a 2-acre lot maximum per the program PDFs.
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Frequently asked questions
Does Accolend charge points?
Accolend markets no-point loans on fix and flip, bridge, ground-up and DSCR programs.
How fast does Accolend close?
Accolend advertises 7 to 15-day closings on fix and flip, bridge and ground-up loans. Multifamily typically takes 2 to 4 weeks.
What is the minimum DSCR at Accolend?
Accolend advertises DSCR loans with coverage as low as 0.75x.
Sources
- Accolend homepage (checked November 3, 2026)
- Lender program materials on file with Lender Tribune, as dated in the table note above
