Loan Programs

Fix and Flip Loans
 

  • Up to 90% of purchase price!

  • Up to 100% of Renovation Budget!

  • Loan amounts up to 75% of ARV

  • Rates starting at 7.99% 

  • Close within one week of appraisal (faster for programs that don't require appraisals)

  • Minimum credit score is ideally 650.  However, some programs have no minimum FICO.

  • No tax returns | No verification of employment 

  • Loan size: $75,000 to $5,000,000 

  • Certain programs allow you to roll in closing costs and defer all monthly interest payments

  • Certain programs charge no interest on unused rehab budget 

  • NEW! 100% of purchase and 100% and repairs (plus point rolled in).  Available in certain states. 
    Call us for more info.

Bridge Loans

  • Purchase: Up To 80% of the purchase price

  • Refinance: Up To 75% Loan To Value

  • 12 to 24 month terms (no pre-payment penalties)

  • Close in as little as 10 Days

  • Minimum credit score is ideally 650.  However, some programs have no minimum FICO.

  • Loan size: $100,000 to $5,000,000 (higher loans case-by-case)

30 Year Amortized (Rental Properties)
 

  • Purchase up to 80% LTV!

  • Refinance up to 75% LTV!

  • Rates Starting at 5.49% (fixed, PITA)

  • Prepayment penalties vary by loan product

  • Close in as little as 21 days

  • 680 minimum credit score required

  • Loan size: $100,000 to $3,000,000

  • Single Family (1 to 4 Units)

  • Interest only option available

Residential New Construction
 

  • Up To 100% of construction costs

  • Up to 50% of land purchase or refinance

  • Up to 65% of completed value

  • Up to 24 months

  • 620 minimum credit score required

  • Loan Size: $100,000 to $2,500,000 

  • Single Family (1 to 4 Units)

Multi-Family (5+ Units)

  • Purchase & Rehab:  Up To 70% of the purchase price + 100% of renovation cost, max loan amount of 65% of ARV! 

  • Stabalized Purchase:   Up To 65% of Purchase Price/As-Is Value!  For higher loan amounts

  • Stabalized Refinance:  Up To 60% of As-Is Value!  For higher loan amounts

  • Stabalized Cash Out Refinance:  Up To 55% of As-Is Value!  For higher loan amounts

  • Minimum 650+ Credit Score Required For Qualification

  • Mixed Use Buildings Allowed with residential space greater than 50% of square footage!

  • Loan Amounts From $250,000.00  –  $5,000,000.00!
     

Commercial Loans

  • Up to  75% of all costs (75% LTC)

  • Max LTV: 70%

  • PACE, Gap, Subordination, Seller Second - All acceptable

  • 12 to 36 month terms 

  • Loan Size: $5,000,000 to $100,000,000

  • Single Family, Multi Family, Mixed Use, Retail, Warehouse, Industrial, Self Storage, Hotel/Motel, Student Housing and unique properties

Mezzanine / Preferred Equity​

  • Loan amounts from $500,000 to $10,000,000

  • Up to 100% of costs

  • Generally, 1 to 5 year terms 

  • Acquisition, Refinance, Bridge, Recapitalization

  • Multi-Family, Mixed-Use, Retail, Office, Self-Storage, Industrial 

  • Cost of capital is scenario driven

  • Ground Up Construction, Rehab, Non-Stabilized Properties

Joint Venture​ Funding

  • We can help bring equity partner(s) to your deals

  • Single Family rehab deals only

  • Purchase price and rehab budget cannot exceed 65% of ARV

  • Project timeline for completion of renovation: 6 months