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Ground Up Construction

Up to 92.50% LTC for new residential construction.
New builders and experienced builders welcome.
High leverage, interest reserves, and fast approvals.
Up to 20 Units / 20 Single Family Homes with Experience.

Highlights:

$250K - $5M
Up to 24 Months
Starting at 8.49%
Up to 20 Units (w/ Experience)

Loan Amount:
Loan Term:
Interest Rate:
Property Type:

Leverage Tiers:

~92.50% LTC Including Reserves
~85% LTC / 100% Construction
~80% LTC / 100% Construction

3+ Experience:
1-2 Experience:
0 Experience:

Requirements:

Experience measured over last 3 years - on-title exits, sold or rented. GC experience now accepted in prime markets. GC does not need to sign on the loan and can provide new construction experience on permits to qualify.

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Fix and Flip

Up to 95% LTC & 100% Rehab.
High-leverage, short-term financing for flippers tackling single-family and small multifamily renovations.
100% of rehab costs covered.
Up to 10 units with experience.

Highlights:

$150K - $5M
Up to 18 Months
Starting at 8.49%
Up to 10 Units (w/ Experience)

Loan Amount:
Loan Term:
Interest Rate:
Property Type:

Leverage Tiers:

~95% LTV / 100% Rehab
~90% LTV / 100% Rehab
~85% LTV / 100% Rehab

* Based on projects qualifying as "Light" Rehab. Heavy rehab projects may be subject to lower leverage. Subject to LTARV and LTC restrictions and any Geo Overlays for select markets. Please inquire to get specific pricing on your deal!

5+ Experience:
3+ Experience:
0+ Experience:

Requirements:

Experience measured over last 3 years, on title exits, sold or rented. 640 minimum credit score, highest score in LLC. Rural on exception. GC Experience can be used in lieu of on title experience and they do not need to sign on the loan.

Green line art icon of a rental apartment building with dollar signs, for DSCR and rental property loans

DSCR / Rental

Qualify on property cash flow, not personal income.
30-year fixed financing for buy-and-hold investors adding to their rental portfolio. Short-term rental income allowed.

Highlights:

$125K - $3M
30 Years
Starting at 5.99%
Up to 9 Units

Loan Amount:
Loan Term:
Interest Rate:
Property Type:

Leverage Tiers:

Purchase:
~85% LTV: 1.25+ DSCR & 720+ Credit
~80% LTV: 1.00+ DSCR & 700+ Credit
Refinance:
~80% LTV: 1.25+ DSCR & 720+ Credit
~75% LTV: 1.00+ DSCR & 680+ Credit

Requirements:

Short-term rental income allowed. Rural eligible up to 75% LTV. Co-borrowers allowed. 100% gift funds accepted. First-time buyer OK. Foreign national OK. Asset depletion available. True no-ratio options (0.00+ DSCR).

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Frequently Asked Questions

Have a question? We're here to answer them!

1. What types of loans do you offer?
2. How fast can I get funded?
3. What are your minimum and maximum loan amounts?
4. Do you lend to first-time investors?
5. Do you require tax returns or bank statements?
6. How do I get started?
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