OUR LOAN PROGRAMS

Attractive Financing Options for Investors

Single-Family Homes

Non-owner occupied 1-4 family units, condos and townhomes. 12 month loans from $50,000 to $3,000,000.

Multi-Family Buildings

Multi-family apartment and mixed-used buildings 5+ units. 12-month loans from $250,000 to $5,000,000.

Long Term Rentals

Non-owner occupied single-family units up to 4 units and PUD real estate.  30-year fixed rate loans $75,000 to $1,000,000.

LOAN PROGRAM SPECIFICATIONS

SINGLE FAMILY HOMEs - FIX AND FLIP FINANCING OPTIONS

No Credit Check Options (Available in Texas, Arizona, Colorado and Utah)

  • 85% Loan to Cost (Purchase price)
  • 100% of Rehab budget
  • Overall 75% of the After Repair Value
  • 12% Interest
  • No minimum credit
  • Closing time 2-5 days

With Credit Option (AZ, CA, CO, FL, GA, HI, ID, IL, NV, NJ, NC, OR, PA, SC, TN, TX, UT, VA and WA)

  • 75-90% Loan to cost (Purchase price)
  • 100% Rehab budget
  • Overall 75% of the After Repair Value
  • 7.5-12% Interest
  • Minimum 550 Credit Score
  • Closing time 2-3 Weeks

Bridge Loan

  • 75-85% Loan to Value
  • 7.5-12% Interest
  • Minimum 550 Credit Score
RENTAL LOAN OPTIONS

LTV:

Purchase:

  • Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost

Refinance:

  • Up to 85% of the As-Is Value
  • Cash-Out: Up to 80% of the As-Is Value

Amortization Options:

  • 30-Year Fixed
  • Hybrid ARMS (5/1, 7/1, 10/1)
  • 5 & 10 Year Interest-Only

 

ARM - ADJUSTABLE RATE MORTGAGE

Property Values:

  • “As Is” Appraised Value Must Be $100k or Greater (Geographical Restrictions May Apply)

Loan Amount:

  • $50k – $5M

Rates

  • Starting at 4.75% up to 8%

Debt Service Coverage Ratio (DSCR):

  • 1.10

Minimum Required FICO Score:

  • 650