Loan Services Offered

Our Fix and Flip Loan is a top-tier financing option for fix & flip real estate ventures. Whether your project involves a minor or major renovation, or if you’re in need of a swift bridge loan, we have excellent loans for Fix & Flip opportunities. 

Potential 100% Funding - with decent credit, and a deal that is at least 15% below market value we may be able to fund your deal entirely. Apply for more details.

After submitting your deal, you will receive your loan term sheet in as little as 24 hours. Our in house appraisal and legal team can save you both time and money (a $2500 value other lenders may charge you). We are dedicated to providing a loan solution that is not only rapid and efficient but also straightforward.

Our specialty lies in offering fix and flip loans for investors targeting residential properties. We can approve your loan in less than a day. We are eager to contribute to your success by financing your next investment property.

• Loan Amounts: $100K – $2.5M
• Rates: 9.25%-11.90%
• Payment: Interest Only
• Points: 2.0%-3.0%
• $1,495 Doc Fee
• LTC: Up to 90%
• LTV: Up to 75%
• Term:12/18/24 months (w/ extension options)
• Financing for purchase and renovation costs
• Geography: Nationwide (except MN, NV, NY, SD, ND)
• Property Types: Residential (SFR) and Multi-family (MFR) Up to 4-Units
• No Appraisal Required: Save $695 and 30 days!
• No Junk Fees, No Legal fee: Save $1950
• Credit Score: 600 Minimum
• No Prepayment Penalty: Payoff the loan at any time

Our Construction Loans offer an ideal solution for both residential or commercial construction. We handle every aspect of construction loans internally, ensuring unparalleled customer service. Recognizing the crucial role of timely payments, we aim to expedite your construction projects with efficiency and precision. Our new construction program is designed for ease of use, facilitating your success with a process that is both clear and simple. e are eager to be your trusted ally in financing your upcoming construction endeavors.

The most common Construction loan requirements:

• Loan Size $75,000 – $5 Million Per Unit
• NO Prepayment Penalty
• 9-12 Month Term (w/ extension provisions)
• Start at 10% Monthly Interest Only Payments
• Discounted pricing for repeat borrowers
• 2-3 Points
• $1495 Doc Fee
• Up to 85% Loan to Cost (LTC)
• Up to 65% Loan to Value (LTV)
• Geography: All States

Our Rental Loan, a premier DSCR Loan option, is designed specifically  for income-generating investment properties. Whether you’re acquiring  new assets for your portfolio or seeking to refinance and extract  equity, our financing solutions are tailored to meet your needs. As a  frontrunner in financing for short-term rental properties, including  those utilized for Airbnb, VRBO, or as vacation homes, we offer highly  competitive and adaptable terms to facilitate your transactions. Our  DSCR Financing Program caters to all investors, from novices making  their initial foray into the market to seasoned professionals aiming to  swiftly enlarge their holdings. We are committed to providing you with  an optimal loan through a process that is fast, effective, and  straightforward.

The most common hard money loan requirements:

• Loan Amounts: $75K – $3.5M (Blanket Portfolio Loans up to $5M)
• Rates: Starting at 6.750%
• Geography: Nationwide (except Nevada, North Dakota, South Dakota)
• Property Type: single-family rental (SFR), PUDs, 2-4 units, rental condos or rental portfolios
• Occupancy: Long-Term, Medium-Term, or Short-Term Rentals, Vacancy OK (on Acquisitions), no operating history required on STRs
• Loan Structure: 30-Year Fixed Rate Mortgage Loans, Flexible Prepayment Penalties, Partial IO (10-Years) Available, Entities (i.e. LLCs) and partners welcomed
• LTVs: Up to 80% (Acquisitions/Rate-Term Refinances), 75% (Cash-Out Refinances)
• DTI: Not Applicable (We don’t require tax returns or evaluate your personal income or finances when evaluating your application)
• DSCR: 0.75x minimum
• Credit Score: 660 minimum
• Fees & Deposits: 1-3% Closing Fee, Underwriting Fee. 
• Prepay Penalties: No prepayment penalty after year 3

A bridge loan stands out as one of the smallest, most rapid, and efficient types of homeowner loans available. Unlike more common loans such as primary and secondary mortgages, refinances, home equity loans, and debt consolidation loans that use the property as collateral, bridge loans are specifically designed to assist homeowners in navigating temporary financial gaps in their mortgage  journey. Typically, bridge loans are most applicable in situations where an individual has bought a new home but hasn’t yet sold their current one.

For those who have secured their ideal new home and have an accepted offer but are facing delays due to the slow sale of their existing property, a bridge loan can offer a timely solution. As the name implies, it bridges the financial gap between the purchase of a new home and the sale of the old one.

While a bridge loan can be a vital lifeline in securing your dream home, it is usually a more  expensive loan option and should be considered a last resort. However,  in the short term, it can be an effective solution to a pressing problem.

There are two main types of bridge loans: open bridge and closed bridge loans. Closed bridge loans are available to those who have already exchanged contracts on their current property,  as the likelihood of a deal falling through after this point is minimal.

On the other hand, open bridge loans cater to individuals who have found their desired new home but have not yet listed their current property for sale. This type of loan typically requires substantial equity in your current home and a clear plan for sale.

Our Bridge Loans usually offer a grace period of around six months without payments. After this period, if the original property hasn’t sold, repayment begins, often on an interest-only basis, as the goal is to sell the property rather than build equity in it.

Today’s market patterns have approved many foreign nationals to take fantastic benefit of real estate deals on American land. The term “Foreign National” signifies anyone that is non-U.S.A. nationality.

We provide loans to foreign nationals with phenomenal terms. For big shots in the real estate industry, the investor can use this loan as a secondary home or real estate investment  property in the United States for a foreign national.

We offer a minimum loan amount of $10,000, with a maximum of 65-75% LTV, funding to buy and refinance of residential or commercial properties in the United  States. Our foreign national loan program is for investment homes, with single-family and multi-family residences being  qualified, along with condominiums, townhouses as well as business  residential properties.

Amortizations just have an optimum of 15 years for our Foreign National Lending program. Borrowers require reasonable earnings; however- the majority of deals do not need verification.

The financing approval chance is stronger when proof of earnings is exchanged in USD. Finally, the borrowers will certainly require a foreign passport when applying for this loan.

Loan Features:

• Maximum LTV of 70% and maximum LTV of 65% for cash out
• Maximum funding is up to $3M, and minimum funding is around $100,000
• A DSCR program with a 1:1 proportion on cash flow
• Property obtained and experienced for 60 days – should be in the United States
• 12 months of books needed as well as need to remain in a bank in the United States
• Auto-payment of ACH is called for and the application must be finished at closing
• Can not live in the US
• Should have an appropriate Visa
• No funds on gifts allowed
• Live and work in another country
• Income documentation differs by investor and borrower’s profession

Please note that you may not be eligible for loans even if you meet all of the items listed above. Please contact Us If there’s any questions, or fill out your loan application, and we will contact you with more details needed.

We provide all types of investment property loans for certifying residential and rental property business loans. The 1-4 Unit of real estate investment property is for financiers that wish to grow their financial investment portfolio by refinancing existing residential properties or buying new features - SFR, 2, 3, and also 4-unit homes.

We provide investment property financing that uses a full suite of business loan programs for debtors who do not meet standard financial institution underwriting guidelines. Our programs consist of “no income confirmation” programs - and are protected by household investment, mixed-use, and commercial property.

If you’re buying a house to gain earnings from leasing or renting it out,  marketing it, or both, our investment property financing can help. We provide fast & flexible, affordable refinancing – both traditional and cash-out.

We offer rental property loans for small businesses in both residential and commercial investment properties.

Residential And Commercial Investing Financing:

• 1-4 unit properties across the country
• Best investment property loans rates and terms, both flexible as well as fixed-rate programs
• 5+ unit commercial buildings and mixed-use properties throughout the country

Residential or Commercial Property Options:

• Our investment residential or commercial property funding can be used for single-family, townhomes, or multi-unit residential properties (up to 4 units)
• Flexible Funding
• Loan up to 80% of the home’s value
• Loan term duration between 10, 15, and 30 years
• Interest Rates
• Best low-interest rate in the industry and fixed interest rate of the loan term
• Minimal Closing Cost
• We provide the best low closing rates as well as make them understandable, so you’ll recognize at an early stage exactly what they are

We offer simple terms, low rates, and easy loan process on mixed-use funding. We are transforming the owners and investors to get property  funding for mixed-use properties. Unlock the complete capacity of your  commercial realty financial investment with a loan for a mixed-use property that meets your individual requirements and investment objectives with one of the most competitive mixed-use loan rates and terms. We offer mixed-use property loans for residential and commercial mixed-use property types nationwide.

We have a full set of mixed-use loans that are perfect for:

• Full and partial or no income properties (rental income)
• Vacant and investment property
• Property that needs money for construction

Benefits of Mixed-Use Property Loan:

• Amortized terms – 30 years
• Fixed Rate – 15 years
• Balloon options – 10 years, with 25-year completely amortized terms
• Balloon options – 7/7 Adjustable-Rate Mortgage, with 30-year completely amortized terms
• We provide loans with as much as 75% LTV on Mixed-Use residential properties
• No income verification funding with wonderful terms
• Rental income – utilizing the rental earnings for eligible residential property

If you are purchasing a Mixed-Use residential property or you’d like to refinance your existing Mixed-Use loan, apply with us today. One of our loan officers will respond, and guide you to choose the best loan options based on your situation.

If you’re looking for a loan with bad or poor credit - we have the solutions. We know it is hard to obtain beneficial financing terms with bad credit. However, do not worry, there are still some possibilities available. There are methods you can use to get funds despite having a bad credit score. Small and medium-sized business proprietors with no credit history or bad credit scores may find it very hard to get the loan they require to expand their services.

We work diligently to offer funding for all types of business owners, including low credit score profiles. We make the application process quick and easy so you can receive the financing you need, and offer a wide range of loan services that can be custom-tailored to your requirements as a business owner. With a minimum FICO score of 580, our services offer small business funding including a fast as well as simple application process, very little documentation, fast approval, and quick turn-around for financing. 

Our fast and simple transactional funding programs are designed to give real estate wholesalers the financial tools to achieve cash flow as quickly as possible. Get the transactional funding you need to close your next deal…no credit checks, income requirements, or applications.

If you are interested in using a double closing to complete your transaction, don’t miss out on a deal because you lack immediate funding! Transactional funding from us can be the fastest, most affordable way to get moving forward on your deal. We have fast, reliable transactional funding available.

There are no fees if the transaction does not  close.