Loan Programs

Long Term "Permanent" Financing Programs

Rates starting in 7's
Up to 80% LTV Purchase
Up to 75% LTV Cash Out Refi
Loan Size $100k-2mm
Portfolio Options Available
Close in 2-3 weeks
No Tax Returns or W2's
"Interest Only" available
30 Year Amortization
30 Year Rate Lock
Minimum FICO 660
Prepayment Penalty - Various options available
Recourse
N/A in AK AZ CA NV ND SD VT

Rates starting in 6's
Up to 80% LTV Purchase
Up to 75% LTV Cash Out Refi
Loan Size $1.25mm-100mm
Portfolio Options Available
Close in 6-8 Weeks
No Tax Returns or W2's option available
"Interest Only" available
30 Year Amortization available
5 to 15 Year Rate Lock
Minimum FICO 680
Prepayment Penalty - Yield Maintenance or Stepdown
Non Recourse Available
Available All States

Rates starting in 6's
Up to 80% LTV Purchase
Up to 75% LTV Cash Out Refi
Loan Amounts $500k+
Most States

Bridge / Fix & Flip / Fix & Hold BRRRR

Rates starting in 10's
Up to 90% of Purchase Price
100% of Rehab Budget
Up to 70% Loan to ARV
Loan Size $100k-2mm
Close in as little as 7 days
No Tax Returns or W2's
12-18 Month "Interest Only"
Minimum FICO 650* If you have a partner we can use the higher of your midscores
Guarantee only required by 51% of membership
No Prepayment Penalty
N/A in AK AZ CA NV ND SD VT

Rates starting in 8's
Up to 80% LTV Purchase
100% of Rehab Budget
Up to 70% Loan to ARV
Loan Size $300k-$2mm+
Close within 5 weeks
No Tax Returns or W2's
12-24 Month "Interest Only"
Minimum FICO 650* If you have a partner we can use the higher of your midscores
Guarantee only required by 51%of membership
No Prepayment Penalty
N/A in AK AZ CA NV ND SD VT

Rates starting in 8's
Up to 80% LTC / 70% LTV
$1mm-6mm with FIXED Rate
$6mm-100mm floating rate
Repositioning OR Rehab projects to prepare for Agency Long Term Financing
Experience Required
12-24 Month "Interest Only"
Minimum FICO 680
Prepayment Penalty - Exit Fee if not refinanced into Agency loan
All States

New Construction

Rates starting at Prime
Up to 90% LTC
Up to 75% Loan to ARV
Up to 75% of Purchase Price
$500,000-$10,000,000
Eligible Properties - 1-4 family, 2-4 unit warrantable condos, 2-4 unit townhomes
No Tax Returns or W2's
12-18 Month "Interest Only"
Minimum FICO 650
Either New Construction or Deep Rehab experience required
No Prepayment Penalty

Rates starting at Prime
Up to 85% LTC
Up to 75% Loan to ARV
Up to 75% of Purchase Price
$1,000,000-$100,000,000
Eligible Properties - 5+ Unit Multifamily, 5+ unit warrantable condos, 5+ unit townhomes
No Tax Returns or W2's available
12-18 Month "Interest Only"
Minimum FICO 650
Either New Construction or Deep Rehab experience required
No Prepayment Penalty available

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