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!
- Commercial Real Estate
- Real Estate Investment Funding
- Hard Money Loans + Gap Funding
- What is Gap Funding and how does it Work?
Requirements:
- Commercial real estate for collateral
- 650 + FICO score
- Application includes 2 years of Business tax returns and appraisal
Rate:
- 4-8%
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%
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.
- 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.