FIX & FLIPS

Funding for Purchase & Rehab of Investment Properties

• No Hidden Costs – Origination paid at closing only. No junk fees.
• Lowest market rates available.
• Term Options – 13 months.
• Loan Criteria:
  – Up to 90% of Purchase Price.
  – Up to 100% of Rehab Costs.
  – $50,000 Minimum.
  – No Maximum.
• Maximum Loan-to-ARV 75%.

SPEC HOMES

Funding for Ground-up Construction & Land

• Including the purchase of land or using land you already own.
• No Hidden Costs – Origination paid at closing only. No junk fees.
• Lowest market rates available.
• Term Options – Up to 13 months. No pre-payment penalty
• Loan Criteria:
  – Up to 90% of Purchase Price.
  – Up to 100% of New Construction Costs.
  – $50,000 Minimum.
  – No Maximum.
  – Maximum Loan-to-ARV 70%.

MULTI-UNIT DUPLEX,
TRIPLEX & QUADS

Long-Term Fixed Rate Financing for Rental (Multi Non-Recourse Available)

• Long-term stabilization/growth for your rental portfolio.
• Lowest market rates available.
• Term Options:
  – Fixed rate (up to 30 years). No pre-payment penalty.
  – Adjustable Rate (5 and 10 year).
• Minimum Loan Attributes:
  – $500,000 & 5 Properties.
  – No Maximum Loan Amount.
• Minimum Property Value $60,000.
• Maximum 80% LTV.
• Borrower Debt-to-Income: None.

Purchase or Refinance Cash-Out (Non-recourse)

This unique loan program provides you with the flexibility and leverage to capitalize on Single-
Family Rental Properties and Portfolios.

• Lowest market rates available.
• Term Options:
  – Fixed rate (up to 30 years). No pre-payment penalty.
  – Adjustable Rate (5 and 10 year).
• $50,000 Minimum Loan Amount.
• $1MM Maximum Loan Amount.
• Maximum LTV: 75%.
• Minimum Property Value:
  – $60,000 for Portfolios,
  – $75,000 for Single Properties.
• Borrower Debt-to-Income: None.

Multi-Family Purchase or Refinance

This unique bridge loan provides you with the flexibility and leverage to capitalize on multifamily investment opportunities, without the stress of traditional bank lending requirements.

• Lowest market rates available.
• Loan Term 24 Months.
• Loan Amount $250,000 to $5MM.
• Loan-to-Value:
  – 75% Purchase
  – 70% Refinance
• Down Payment As Low As 25%.
• Fees and Closing Costs Can Be Rolled Into the Loan.
• Cash Out Options Available.

Multi- Family Purchase or Refinance VALUE-ADD

This unique loan program provides you with the flexibility and leverage to capitalize on multifamily value-add investment opportunities, without the stress of “as-is” occupancy or DSCR requirements.

• Lowest market rates available.
• Loan Term: 24 Months, No Pre-Payment Penalty
• Loan Amount $250,000 to $5MM.
• Loan-to-Cost :
  – 80% Purchase; 70% Refinance.
• Purchase Down Payment As Low As 20%.
• No “As-Is” DSCR Requirements.
• Fees and Closing Costs Can Be Rolled Into the Loan.
• Cash Out Options Available.

Line of Credit (Recourse & Non-recourse)

This is the premier financing program for elite real estate investors featuring the best in customer service, rates, and quick closings.

• Lowest market rates available.
• Loan-to-Value 75%.
• Loan-to-Cost 90%.
• Line Amount $1MM – $10MM.
• Term: 12 Months.
• Uses: Fix and flip; new spec construction.
• No interest on undrawn construction funds.
• No minimum loan amount.