Direct private lender · Non-owner-occupied commercial & residential (725) 577-8761 charles@gdcllc.info NMLS #370072

Private real estate lending · GDC LLC

Your next property deserves a lender who looks at the deal, not just the score.

We're Giscombe Development Company. We lend on investment real estate, from a first rental house to a mobile home park, and we start every conversation with the property itself.

Start your application See our loan programs

Rather talk first? Call us at (725) 577-8761

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Any credit score consideredYour loan-to-value is based on the property and your credit profile.
Direct private lender 14 loan programs Commercial & residential Non-owner-occupied investment property
GDC loan officer shaking hands with a client

Who we are

Real estate is all we do, so we take the time to understand yours.

Banks often say no to good deals because a borrower's file doesn't fit a box. We underwrite the asset: what the property is worth, what condition it's in, and what it can earn. That lets us work with investors at every stage, whether you're buying your first rental or adding to a portfolio.

When you call, you'll talk to people who know the programs and can tell you plainly whether your deal is a fit.

Get to know us

What we finance

Loans for the properties investors actually buy

Family standing in front of a single-family rental home

Rentals & 1–4 unit homes

Single-family and small multi-unit rentals, including DSCR financing based on the property's income.

Residential 1–4 / DSCR
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Fix & flip and new construction

Purchase and rehab funds, or ground-up builds, with draws held in escrow and released as work is completed.

Fix & Flip · Ground-Up Construction
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Commercial & specialty

Retail, mixed-use, multifamily, storage, daycare, assisted living, and more, underwritten on the asset.

Commercial & specialty programs
Asset-Based LendingResidential 1–4 / DSCRFix & Flip / ARVCommercial5+ Multi-FamilyMixed-UseRetailAssisted LivingDaycareStorage & WarehouseMobile Home ParksGround-Up ConstructionBridge LoansBlanket Loans

How it works

From application to closing, here's what to expect

  1. Apply & pre-qualify

    Fill out the online application, sign the authorizations, and pay the $105 application fee.

  2. Property & contract review

    We look at the property's eligibility and ownership structure, then your executed purchase agreement.

  3. Valuation & logistics

    Once we have the contract and the appraisal fee, we order the appraisal. Escrow opens and title work begins.

  4. Underwriting & closing

    Underwriting reviews your package, insurance and loan documents are finalized, and the loan funds.

Read the full process

Loan advisor reviewing documents with a client

From our published guidelines

A few of the numbers investors ask about most

Up to 85% of total costGround-up construction, residential 1–4 units: "Up to 85% of total documented construction, land acquisition, and development costs."
18 to 24 month termsBridge loans for transitional commercial assets, "with optional 6-month extensions structured on debt yield performance."
Portfolios from 2 propertiesBlanket loans: "Minimum of 2 separate commercial, mixed-use, or industrial facilities," or "3 to 5" residential properties.

Quoted from GDC program guidelines. All loans are subject to underwriting, credit approval, and property eligibility. This is not a commitment to lend.

Before you apply

Documents to have on hand

The Standard Borrower Package applies to every loan type. Program-specific documents are listed on each program page.

Start Your Application
  1. Signed Loan Application
  2. Government-Issued Photo ID (all borrowers, guarantors, and key principals)
  3. Signed Credit Authorization
  4. Entity Organizational Documents (if LLC/Corp): Articles of Organization/Incorporation (state-stamped), Operating Agreement/Bylaws, IRS EIN Assignment Letter, recent Certificate of Good Standing
  5. Personal Financial Statement (PFS) & Schedule of Real Estate Owned (SREO)
  6. Two Months of Bank Statements (most recent, consecutive)
  7. Purchase Contract (acquisition) or Payoff Statement (refinance)
  8. Preliminary Title Report / Title Commitment
  9. Insurance Binder (hazard; flood if in a FEMA SFHA)
  10. Exit Strategy / Use of Funds Narrative

Have a property in mind?

Apply online in one sitting, or give us a call first at (725) 577-8761.

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