LOAN PROGRAMS

Fix and flip loans are specifically designed to provide financing for real estate investors who are purchasing properties with the intention of renovating and selling. 

First Time Investors Welcomed

SPECIFICATIONS & CRITERIA:

• Close in 10-14 Days
• Same Day Terms
• Rates as low as 9.99%
• Up to 92.5% of Purchase/ 100% FUNDING FOR QUALIFYING INVESTORS
• 100% Rehab
• Up to 75% ARV
• 12 - 24 Month Terms
  Purchase, Refinance (Refi-rehab available)
• Foreign Nationals OK
• Portfolio OK
• FICO: 620+
• Experience: Not required
• Min. Loan Amount: $150K

Short-term financing option designed to “bridge the gap” between the purchase of a new property and the sale of an existing property. These bridge loans are commonly used by real estate investors who need quick access to capital to secure a new property or fund renovations while awaiting the sale of another property.

SPECIFICATIONS & CRITERIA:

• First Time Investors Welcomed
• Close in 10-14 Days
• Same Day Terms
• FICO: 620+
• Experience: Not required
• Rates as low as 9.99%
• Up to 82.5% of Purchase
• Up to 75% Cash Out Refinance
• 12 - 36 Month Terms
• Foreign Nationals OK
• Portfolio OK

These loans are designed for investors who intend to hold rental properties for an extended period. Long-term rental loans typically have lower interest rates and longer repayment terms compared to short-term loans.

SPECIFICATIONS & CRITERIA:

• Fast Closing
• Purchase, Refinance, Cash Out
• Rates as low as 5.25%
• Up to 85% of Purchase
• Up to 80% Cash Out Refinance
• Foreign Nationals OK
• Portfolio OK
• • FICO: May not be required/660
• Experience: Not required
• Min. Loan Amount: $100K
• Property Condition: Habitable

New Construction program is a one-stop financing solution for experienced developers building new properties. We provide certainty of funding not only during the construction phase but also long-term financing once projects have been stabilized.

SPECIFICATIONS & CRITERIA:

• 12-24 Month term (no pre-payment penalty)
• Fast Closing
• Purchase, Refinance, Cash Out
• Rates as low as 9.99%
• Up to 70% ARV - or 85% (with experience)
• Up to 90% LTC
• Interest-only new construction loans, paying only on drawn funds.
• FICO: 620
• Experience: can use Fix and Flip as experience
  Min. Loan Amount: $100K

For the investor specializing in both short and long-term multi-family and mixed-use projects.

SPECIFICATIONS & CRITERIA:

• Purchase, Refinance, Cash Out
• 5 - 500 units
• Up to 80% LTC - Value Add
• Up to 75% LTV - Bridge
• Rates as low as 7%
• No Ratio DSCR options available
• 12 - 30 Months
• FICO: 620
• Units: 5+ (Multifamily) / 2+ (Mixed Use)
• Purchase: Up to 80% of the Purchase Price + 100% of
  Renovation Costs
• Refinance: Up to 75% of the As-Is Value + 100% of
  Renovation Costs
• Cash-Out: Up to 70% of the As-Is Value + 100% of
  Renovation Costs

For the commercial investor – All property types considered, except owner-occupied residential.

SPECIFICATIONS & CRITERIA:

• Purchase, Refinance, Cash Out
• Construction ($500k+)
• Up to 85% LTV
• Up to 80% LTC
• Rates as low as 7.5%
• DSCR options
• Stabilized or Value Add
• 1 - 30 yr loans
• FICO: All Credit Scores considered
  Min. Loan Amount: 250k
  Apartment Complexes Multi-family
• Mixed use (Residential in nature) and more