Introduction to real estate loan programs
The purchase and sale of investment property
can be fixed for 3 or 30 years, and the
maximum amount can reach 80% of the house value. Short-term investment houses can only pay interest, and the principal will be repaid after selling. In addition to the funds required for purchase, loans for decoration project costs can be provided.
There are floating and fixed interest rates. The fixed interest rate can be fixed for 3 years or 30 years. The maximum amount is 80% of the house value. There are no restrictions on the use of funds, which can be used for house buying, investment, personal and commercial purposes
Commercial real estate loans can be fixed for 3 years or 30 years and the maximum amount can reach 80%. It can be used for home purchase, construction, investment, renovation, etc. Unlimited construction loans are suitable for real estate investors
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Real estate project details
Asset-Based Investment and Commercial Real Estate Mortgage Programs
Our residential investment and commercial property mortgage loan programs are designed for investors who do not qualify for traditional bank loans.
FlexPerm loans
are simple and flexible with a longer tenure. With flexible underwriting and longer terms, our FlexPerm loans are designed for investors looking for an easy financing solution to buy or refinance, as well as the flexibility to keep the loan for
up to 30 years.
Key Features
• Ideal for qualified W-2 and self-employed investors.
•Based on property value, not personal income.
• Best alternative to hard money loans.
•Available as a 3-year fixed or 8-year fixed loan, each for 30 years.
Property Types
Investors 1-4 (SFR, Condominiums & 2-4 Units), Multiple Family (5+ Units), Mixed Use & Commercial (Offsite, Retail, Warehouse, Self Storage & Auto)
Short-term “fix and fix” solutions for ARV Pro loans . Our ARV Pro Loan is the best short term solution to acquire and improve the value of your property. It is designed for “stationary and mobile” investors looking for a short-term interest solution based on the property’s “as restoration value” (ARV).
Key Features
• Allows borrowers to finance improvements.
• Ideal for borrowers who need to close quickly.
• Interest-only 1-year term offers lower monthly payments.
• LTV is higher than hard money lenders.
Property Types
Investors 1-4 (SFR, condos and 2-4 units)
Credit QuickFix Loans
Higher LTV Alternative to Hard Money. With their high LTV ratios, our Credit QuickFix loans are designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing.
Key Features
• LTV is higher than coin options.
• Ideal for borrowers who need to close quickly.
• Interest-only 1-year term offers lower monthly payments.
• Ideal for acquiring or utilizing real estate with deferred maintenance.
Property Types
Investors 1-4 (SFR, condos and 2-4 units)
Quick 50 Loans
Low LTV loans with easy credit requirements. Our Fast50 loans are designed for investors with
depreciating credit issues and high equity seeking quick and easy credit qualification.
Key Features
• Ideal for borrowers with recent bankruptcy or default notices.
• No need to adjust ownership.
• Increased price compared to our FlexPerm plan.
• Derogatory mortgage history is OK.
Property Types
Investors 1-4 (SFR, Condominiums & 2-4 Units), Multifamily (5+ Units), Mixed Use & Commercial (Offce, Retail, Warehouse, Self Storage & Auto)
Alt-A commercial purposes:
(Alternative A-paper, which is a type of US mortgage that, for various reasons, is considered riskier than A-paper or “prime” and less risky than “subprime”)
Credit Rating A+ to A-
Loans $50,000 to $2 million
Lent to Individuals, Family Trust, LLC, IRA, Corp.
NO/O and investment commercial only
Non-Prime non-self-occupied commercial purpose:
FICO as low as 600
Loans ranging from $100,000 to $500 million
No income verification
SFR, Condo, Condotel, Town home, 2 -4 unit, 5+ Multi-Family, Mixed-Use
purchases, rates and terms, cash out
no income verification
Commercial purposes of hard money short-term bridge funds :
Credit rating A+ to C.
Loans $50K to $15
Lent to Individuals, Family Trust, LLC, IRA, Corp.
Term: 6 months/ 12 months/ 24 mo./ 36 mo.
SFR, Condos, Condotels, Townhome, 2-4 units, commercial, +5 units, mixed use, office and retail
purchases, rates and terms, cash outlays
foreign nationals
no income verification
Long-term commercial purpose of hard money :
Credit Grades A+ to B –
Loans $50,000 to $5 million
Term 5 and 7 Fixed Variable Rate, 30 years. Fully amortized
LTV to 75%
SFR, Condos, Condotels, Townhomes, 2-4 units
no income verification