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.
Get the Property Financing That You Need Through Private Money Loans
Whether you are looking to find yourself and your family a place to live for the next few years, or you want to find a property, fix it up, and sell it forward for a profit, you will need some property financing before you can begin.
Allura financials covers everything from long-term rental loans to fix and flip hard money loans. Each of these may be adjusted to your individual requirement based on the property you’re looking for, the people who will be living with you, and what you plan on doing with the property.
Depending on your living situation, you can opt for either a singular family loan or a multifamily loan; each comes with different terms and conditions and have different limits on the number of units, condos, or apartments that may be booked.
In certain states, Allura Financials will also offer no credit check loans with their rental property loan program. While the interest rate may slightly higher, there are no credit requirements for those loans.
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 (Nationwide)
- 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 90% 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:
- $75k – $5M
Rates
- Starting at 4.25% up to 8%
Debt Service Coverage Ratio (DSCR):
- 1.10
Minimum Required FICO Score:
- 640