Residential, Multifamily, Mixed Use, Commercial
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DSCR Loans
A DSCR loan considers the Debt Service Coverage Ratio (DSCR) as a key factor in the approval and terms of the loan. The DSCR measures a property's ability to generate enough cash flow to cover its debt.
These loans are intended for Non-Owner Occupied properties, Short and Long Term Rentals, 1-9 Units, and Investor Experience is not a factor in qualifying or terms.
DSCR Loans- Key Facts
| Term | 30-year fixed, Adjustable, 30 or 40-year Fixed IO |
| Recourse | Full Recourse only |
| Loan Types | 30-Year fixed rate mortgage (Fully Amortizing or Partial IO) 5/6, 7/6, 10/6 Hyrbid ARMs (Partial IO or Fully Amortizing) 40-Year Fixed Partial IO |
| Loan Purpose | Purchase, rate-term refinance, or cash-out |
| Minimum Fico | 620 |
| Borrower Type | Business Purpose |
| Property Types | Single Family Residences (SFR) 2-4 unit properties 5-9 unit properties Warrantable/Non-Warrantable condos Townhomes PUD |
| Rural Properties | YES |
| Minimum Loan Amount | $75k |
| Maximum loan-to-value (ltv) | Up to 85% on purchase and rate & term. Up to 75% on cash-out |
| Minimum Debt Service Coverage Ratio | No Ratio Available |
Bridge Loans
A real estate bridge loan is a short-term financing option used primarily to bridge the gap between immediate financing needs and long-term funding solutions or exit strategy. Real estate bridge loans are versatile solutions used to address immediate capital needs, particularly in situations where timing is critical. They help facilitate property acquisitions, construction, renovations, and other financial requirements for investment properties 1-9 units, 10+ units, mixed use and commercial properties.
Fix & Flip Loans - Key Facts
| Term | 12 months standard 18 month option case-by-case |
| Rehab/Construction Financing | Up to 100% of rehab budget |
| Maximum LTC (% of Purchase Price) | Up to 90% LTC |
| Maximum Loan-To-Value(Ltv) | Up to 75% ARLTV |
| Recourse | Full Recourse Only |
| Loan Amount | $50K - $3.5MM |
| Loan Purpose | Rehab loan for non-owner occupied residential investment property |
| Property Types | Non-Owner Occupied: Attached or detached SFR 2-4 unit properties Townhomes Warrantable Condos |
| Minimum Experience | NO prior experience required |
Construction Loans - Key Facts
| Ground Up Program | Experienced Developer Program (3+ Similar Past Projects) | |
|---|---|---|
| MAXIMUM LOAN TO COST | Max 85% of total project costs | Max 90% of total project costs |
| MAXIMUM LOAN TO ARV | Up to 70% | Up to 70% |
| LOAN AMOUNT | Min: $50,000 Max: $3,500,000 |
Min: $50,000 Max: $3,500,000 |
| TERM LENGTH | 12 months, Up to 18 at Lender Discretion | 12 months, Up to 24 at Lender Discretion |
| PERMITTED PROPERTY TYPES | Eligible: Non-owner Occupied 1-4 unit residential Townhomes Condos |
Eligible: Non-owner Occupied 1-4 unit residential Townhomes Condos |
Stabilized Bridge - Key Facts
| MAX LTC | 85% |
| MAX LTV | 75% LTV |
| MIN FICO | 650 |
| PURPOSE | To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale or arranging long term financing. |
| LOAN AMOUNT | Min: $75,000 Max: $2MM |
| TERM LENGTH | 12 Months to 24 Months |
| PROPERTY TYPES | Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos |
Small Balance Commercial Real Estate Loans
Empower Your Investment with Small Balance Commercial Real Estate Loans
- Tailored Loan Amounts: Ideal financing for smaller commercial property investments.
- Competitive Interest Rates: Affordable rates to maximize your investment returns.
- Flexible Terms: Customizable repayment plans to fit your financial strategy.
- Streamlined Approval Process: Quick and efficient application process for fast funding.
- Diverse Property Types: Financing available for retail, office, industrial, and mixed-use properties.
- Expert Support: Guidance from seasoned real estate lending professionals.
- Enhance Cash Flow: Utilize the loan for property acquisition, renovation, or refinancing.
- Empower Growth: Scale your real estate portfolio with confidence and ease.
Apply Today and Elevate Your Commercial Real Estate Investments!
Commercial - Key Facts
Office / Retail / Warehouse / Self Storage / Automotive
| Loan Programs | |
| LTV Maximum | 75% |
| CLTV Maximum | 90% |
| Term Maximum | Up to 30 Years |
| Amortization | Full or Partial IO |
| Loan Maximum | $15MM |
| FICO Minimum | No FICO Minimum Options Available |
Small Business Administration (SBA LOANS)
- SBA loans, such as the 7(a) and 504 programs, offer flexible financing options for multi-family real estate investments, catering to diverse funding needs.
- These loans are backed by the U.S. Small Business Administration, providing a sense of security to lenders and borrowers alike.
- SBA loans typically require lower down payments, making them an attractive choice for multi-family property investors looking to preserve capital.
- SBA loans often feature competitive interest rates, reducing the overall cost of borrowing for multi-family projects.
- SBA loans can be utilized for various multi-family needs, including property acquisition, construction, renovation, and refinancing.
- The 504 program, in particular, contributes to economic development by financing projects that create jobs and stimulate local economies.
- Multi-family investments supported by SBA loans play a role in strengthening communities by providing housing opportunities and improving living conditions.
- While there are requirements, the SBA aims to simplify the application process, making it accessible to a broader range of investors.
