Loan Programs

Loan Products & Services

We provide contractors, real estate investors and realtors with fast and convenient loan products: Bridge Loans or Fix-and-Flips, Multi-Family Loans, Ground Up Construction Loans, Intermediate-Term Loans and Long-Term Rental Loans!

Our Services

We provide a variety of fast and convenient loan products such as: Bridge Loans or Fix-and-Flips, Multi-Family Loans, Ground Up Construction Loans, Intermediate-Term Loans and Long-Term Rental Loans, along with the acquisition for 30-year rent-to-hold lending, fix-and-flip, and new construction!

Bridge Loan/Fix-And-Flip

12-Months
(Extended Terms Available)
Loans from $50k to $7.5M
Up to 90% of the purchase price + 100% of renovation cost
Rates Start at 9.24%
LOAN CRITERIA:
Collateral: Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties
LTV: Up to 90% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV
Term: 12 Months (6-Month Extension Available)
Minimum As-Is Property Value: $50k for Single-Family
$25k per Unit for 2-4 Family
$35k per Unit for Multi-Family (5+)/Mixed-UseLoan
Amount: $50k – $7.5M for 1-4 Family, Condos, & Townhomes
$250k – $10M for Multi-Family (5+)/Mixed-Use
Minimum FICO: 620
RatesAs Low As 9.24% (Interest Only Charged on Outstanding Balance)
Pre-Payment Penalty:N/A

Real Estate investors use Fix-And-Flip Loans to purchase a property, improve it, and sell it for a profit. There are two components to fix and flip loans: the purchase and the fund for the rehab.

Multi-Family Loans

18-Months:
Loans from $250k to $10M
Up to 80% LTC
Rates Start at 10.24%

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30-Years Loans:
Loans from $250k to $3M
Up to 75% LTV
Rates Start at 6.875%

Multifamily financing is more like commercial lending.  Multifamily borrowers primarily are commercial entities, such as property developers, not individuals (homeowners).

New Construction Loans

12 – 24 Months
Loans from $100k to $3M
Up to 75% of Initial Advance
Up to 90% Total Loan-to-Cost
Rates Start at 9.99%

LOAN CRITERIA
Collateral: Non-Owner Occupied Single-Family Properties; Condos; Townhomes
Minimum Property Value:
$150k****As-Completed ValueTerm: 12 – 24 Months
Loan Amount: $100k* – $3M
*Based on Max Loan AmountRates: Starting at 9.99%
Mininum FICO: 680

New construction loans are short-term loans used to finance the building of a home or another real estate project.

Intermediate-Term Loans

RENTAL FINANCING
Short-Term Vacation Rentals
30-Year term
(Amortization Options Available)
Loans from $75k to $2M
Up to 75% LTV
Rates Start at 7.10%

Intermediate-term loans tend to run between one to three years and are paid in a monthly installment.

Long-Term Rental Loans

30-Years
(Amortization Options Available)
Loans from $75k to $2M
Up to 80% LTV
Rates Start at 6.875%

Long-term loans run anywhere between three to 25 years.  Collateral is required along with monthly or quarterly payments.

Acquisition for Fix-and-Flip, & New Construction Loans

12-24 Months
(Extended Terms Available)
Loans from $50k to $7.5M
Up to 90% of the purchase price + 100% of renovation cost
Rates Start at 9.24%

Real Estate investors use Fix-And-Flip Loans to purchase a property, improve it, and sell it for a profit. There are two components to fix and flip loans: the purchase and the fund for the rehab.

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