Commercial Real Estate Financing
Flexible Permanent Loan
Lock in long-term financing with no balloon payment
Key Features
- Best Alternative private capital loans
- No Taxes Needed
- Great for qualifying W-2, self-employed investors and small business owners
- Based on property value and its revenue generating potential
- Interest Only Options Available (1-10 year)
Property Types
- Multi-Family
- Mixed Use Office
- Industrial
- Retail Storage
- Automotive
Acceptable Situations
- Investor or Owner Occupied
- Experience First time buyers are eligible for investment 1-unit properties
- Bankruptcy/NOD Discharge 1 day. (50% LTV or Less)
- Mortgage Lates OK
- Title Seasoning 1 day. (50% LTV or Less) No Income Verification - Simple documentation
- Appraisal Process and Fee
- Impounds Required for property taxes and insurance.
- Foreign Investors YES
Loan Amounts
- Minimum loan amount for Multi-Family, Mixed-Use and Commercial is $100K to $5MM
Commercial & Industrial Loans
Key Features
- Multi-Family & Mixed-Use, Office, Retail, Warehouse, Self-Storage & Automotive
- Purchase LTV – up to 75% LTV
- Refinance LTV – up to 70% LTV
- Loan Amount – up to $5,000,000
- Term – 30 Years Fixed
- Interest Rate – starts at 6.49%
- Pre-Payment Penalty – 5 Years
- Minimum Credit Score – 650
- Nationwide Foreign National - Yes
- Foreign Nationals LTV - up to 65%
Residential Investment SFR 1 to 4 Units and Condo
Key Features
- Purchase LTV – Up to 80%
- Refinance LTV – Up to 70%
- Loan Amount – Up to $5,000,000
- Term – 30 Years Fixed
- Interest Rate – starts at 4.5%
- Pre-Payment Penalty – 3 or 5 Years
- Minimum Credit Score – 620
- Nationwide Foreign Nationals - Yes
- Foreign Nationals LTV - up to 65%
Foreign National & Investor Loan
For Real Estate investors residing outside the US
- Are you a real estate investor residing inside or outside the U.S.?
- Are you looking for a financial solution for your U.S. asset?
- If you’re a real estate investor — or interested in becoming one — and you live outside of the U.S., there’s a good chance that you would ne a perfect fit for our Foreign Investor Mortgage Program.
Key Features:
- LTVs up to 65%
- No US credit required
- No seasoning of funds required
- No other US investment experience required
Rehab Fix & Flip Loan
Our ARV Pro loan is designed for independent real estate investors who are often tough to qualify. Renovations are hard work and finding the right financing solution should be simple and quick. Based on the property’s “after repaired value” (ARV), it’s the best short-term, interest only solution for financing and improving property value for fix-and-flip investors.
Key Features:
- Allows borrowers to finance improvements
- Great for borrowers who need a quick close
- An interest only 1 year term provides lower monthly payments
- Higher LTV than Most Lenders
- Available for Investor 1-4 properties (SFR, Condo and 2-4 Units)
We Fund:
- 80% of acquisition (100% available full doc)
- 100% of the rehab budget
- We will allow up to 80% of the ARV
- Rates as low as 7.49%
- 12 Month I/O
- No PPP (Pre Pay Penalty)
Rental Loans
We will be your long term financing partner, helping you build a rental portfolio. We can do single or blanket portfolio loans with a DSCR as low as 1.00, rates as low as 4.5% for a 30 year fixed term. Our Perm loan is 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. This loan eliminates the balloon payment associated with private money loans, along with the rate hikes of adjustable-rate mortgages. Because the Perm loan is asset-based, it’s perfect for independent, buy-and-hold real estate investors and small business owners who are tough to qualify.
Key Features
- We allow FICO scores as low as 600 and LTVs to 90% for purchase and refi's
- Based on the property value and its revenue-generating potential
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
- Interest ONLY 1 to10-Year Loan Terms available
- We customize loans to meet the individual needs of each investor designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment
- This program provides Low Doc loans to borrowers who may be facing additional challenges in securing a home loan
- With only a minimum FICO credit score of 600 that is required. We offer more flexible forbearance guidelines. Borrowers may qualify for this program with full or alternative or low doc documentation
Ground Up Construction
We help builders, developers, & investors finance new construction projects for single family, multi-family and most commercial asset class.
Key Features
- Prefer Major Markets
- No Cap on loans amounts
- Rates as low as 4.5%-9%
- Interest only with extensions available for residential construction
- We offer ground up construction across the country up to 100% over construction costs for both, residential and commercial asset classes
- We will fund up to 70% LTV of the land purchase
- 70% Credit at closing (if property was purchased within the past 6 months)
- The loan is based on ground up experience
- First Timers OK!
- 620 start mid-score is allowed
- Credits given at closing for those who own their land prior to funding
- Private Lending solution for non-conforming borrowers and experienced investors who need money fast!