Loan Programs

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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.

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Bridge Loans

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• 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)

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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

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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)

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Multi-Family (5+ Units)

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• 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

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• 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

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Mezzanine / Preferred Equity​

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• 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

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Joint Venture​ Funding

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• 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

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