Real Estate Funding

Fast Lending

How We help you

We are able to help you with the following:

  • Purchase
  • Ground-up construction
  • Refinance
  • Fix & flips
  • Multi–family
  • Mix–use
  • Commercial properties

Flexible terms:

  • Lowest interest rates starting at 2.99%
  • High loan-to-value (LTV) up to 100%
  • Credit score as low as 475
  • Fast closing as speedy as 5 days

OUR MODERN

INVESTOR LOAN PROGRAM

Lock in long-term financing and avoid the balloon payment associated with most private money loans. Designed for investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan for up to 30 years.

  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

OUR BAD CREDIT

NO PROBLEM LOAN PROGRAM

This Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

  • Great for borrowers with a recent bankruptcy or notice of default.
  • No seasoning of ownership required.
  • Derogatory mortgage history is OK.
  • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

Hard Money Loan

Our Bridge Loan Program

A hard money loan intended for new and experienced real estate investors seeking funding for short-term financing nationwide.

Collateral:  

Multi-Family Apartment Buildings (5+ Units); Mixed-Use Buildings  

(Residential space is greater than 50% of square footage) 

Rates:  

Starting at 8.25%  

Interest Only Charged on Outstanding Balance

Term:  

12 Months (6 Month Extension Available*)  

*Extension Fee Applies

Loan Amount:  

$250K** – $5M ($1M Max Per Unit)  

**Minimum value requirement of $35k per door. Subject to increase based on location. 

LTV:  

Stabilized Bridge 

Purchase: Up to 70% of the As-Is Value 

Refinance: Up to 65% of the As-Is Value  

Cash-Out: Up to 55% of the As-Is Value 

Fix & Flip  

Purchase: Up to 75% of the Purchase Price + 100% of the Rehab Costs  

Refinance: Up to 65% of the As-Is Value + 100% of the Rehab Costs  

Cash-Out: Up to 60% of the As-Is Value + 100% of the Rehab Costs

Credit Score:  650 Minimum

Short-term Financing

Multi-Family Financing

Obtain short-term financing for 5+ unit apartments & mixed-use properties with rates starting as low as 8.25% .

Collateral:  

Multi-Family Apartment Buildings (5+ Units); Mixed-Use Buildings  

(Residential space is greater than 50% of square footage)

Rates:  

Starting at 8.25%  

Interest Only Charged on Outstanding Balance

Term:  

12 Months (6 Month Extension Available*)  

*Extension Fee Applies

Loan Amount:  

$250K** – $5M ($1M Max Per Unit)  

**Minimum value requirement of $35k per door. Subject to increase based on location. 

LTV:  

Stabilized Bridge 

Purchase: Up to 70% of the As-Is Value 

Refinance: Up to 65% of the As-Is Value  

Cash-Out: Up to 55% of the As-Is Value 

Fix & Flip  

Purchase: Up to 75% of the Purchase Price + 100% of the Rehab Costs  

Refinance: Up to 65% of the As-Is Value + 100% of the Rehab Costs  

Cash-Out: Up to 60% of the As-Is Value + 100% of the Rehab Costs

Credit Score:  650 Minimum

FREE CONSULTATION

Want to know what your options are?

Property Type: Mixed-Use

Purpose: Purchase

Loan Amount: $1,600,000

Location: Brooklyn, NY

Our lending team funded this fully occupied mixed-use property in just 24 days using our 30-year, fixed-rate with no balloon payment.

Property Type: SFR

Purpose: Purchase

Loan Amount: $850,061

Location: Cape Coral, FL

Planning to use this beautiful ocean-view SFR as a short-term, Airbnb-type rental, the investor secured our fixed-rate, no-balloon-payment. Now she has a stable interest rate for the life of the loan.

Educate yourself

Click the tabs below to learn more about Real Estate, Funding, and more!

Businesses with commercial real estate can gain access to conventional or SBA 504 loans with amounts ranging from 75,000 – 20 Million. Applicants can refinance for up to 55% loan-to-value or purchase for up to 65% loan-to-value for a term of 20-30 years.

Requirements:

  • Commercial real estate for collateral
  • 650 + FICO score
  • Application includes 2 years of Business tax returns and appraisal

Rate:

  • 4-8%
Applicants with single-family (SFR), 2-4 unit multi-family (MFR) or commercial properties can gain access to up to 90% of their loan-to-value with amounts ranging from $50,000 – 20 Million. Terms based on experience.

Requirements:

  • Real estate for collateral
  • 550 + FICO score

Rate:

  • 6.99-13%

Hassle – free Fix & Flip Loans.

Location: Nationwide Funding

Guideline Summary:

  • 12 – 18-month term
  • Low As 8.75% Rate
  • Up to 90% LTV
  • Up to 75% Of ARV
  • 100% Of Rehab Cost
  • Up To $10.5 Million Loan Size
  • Same Day Approval
  • No Upfront Lender Fees
  • No minimum credit score required.
  • Multiple loans to the same

Borrower

  • Single Family Homes Ok
  • Duplexes, Triplexes, Fourplexes and Commercial

For Professional & Beginner’s Real Estate Investors.

New Program:

“This will Help New Flipper get in The Game. “With NO Experience.”

Gap funding for down payments, up to 6 Months reserves or closing costs. 

Example:

65% – 90% LTC, 100% Rehab & Up To 25% Gap

Funding + Reserve = 100%

Gap funding for real estate investors generally comes in as 2nd position financing when the 1st position loan isn’t quite enough to make the deal work, or you just prefer to have less money out of your pocket.

We also refer to this as a “down payment assistance program for investors.” Our unsecured gap funding will cover your down payment, closing cost, renovation work & loan fees, if applicable. If there is a difference between what lenders will lend you and what you need to close the deal, gap financing can cover the difference; so that you can qualify for $0 cash-to-close.

This can help you do A LOT more deals and can be key to your financial success!

Gap funding is often used in fix & flips, purchases and new home construction loans…Essentially offering 100% financing for your real estate deals.

Requirements:

  • 550 + credit score
  • No more than 4 inquiries within the last 6 months & 6 in the last year.
  • Bankruptcies must be 2+ years old.
  • Min 3 active & current trade lines
  • Proof of Income – min $30,000/yr.
  • Proof of Residence
  • No Co-borrowers allowed – Individual applicants only.

    The Process:

  • Submit loan application package & documentation.
  • Completed file is processed for initial underwriting – usually 24 hours.
  • Borrower must participate in a 10 min compliance call to verify info & discuss next steps.
  • Loan decision within 48 – 72 hours following the compliance call.
  • Verbal authorization/acceptance – Borrower must be prepared to accept funding.
  • After approval, funds are deposited directly into your account within 5 – 7 days.
  • Borrowers will begin making monthly payments 30 days after receipt of funds.
  • Loan statements are sent to the address on application.