Real Estate funding

Fix and Flip Funds

Also known as Bridge Loans, these involve purchasing distressed properties, renovating them, flipping for profit. Lenders cover 100% of rehab costs and 75-90% of the purchase price. The loan duration is 12-24 months with interest-only payments.

DSCR Funds

DSCR loans do not require extensive financial documentation. These loans focus on the property, ensuring that rent exceeds the sum of principal, interest, taxes, insurance, and HOA fees each month. It’s a 30-year fixed-rate loan with a minimum loan amount of $70,000.

Private Lenders

We exclusively collaborate with private lenders.

Cash-Out Refinancing

Clients can leverage cash-out refinancing up to 75% of the appraised property value. The first lien is paid off, and the client receives the remaining funds.

Ground-Up Construction

Ground-up construction financing is available, covering up to 80% of the total project cost. Perfect for individuals who already own the land. We can also assist individuals who currently do not own the land.

Airbnb and Short-Term Rentals

We specialize in assisting individuals currently involved or looking to get started in Airbnb and short-term rentals.

Minimal Documentation

Private lenders eliminate the need for financials, tax returns, or income verification. Exceptions only apply to substantial deals, where a personal financial statement may be required. All clients must also show one bank statement with proof of down payment funds.

Capital Stacking Advantage

Working with private lenders allows flexibility in the source of the down payment, and this is where Capital Stacking can be very effective. This method also aids in fronting rehab costs before reimbursement by the lender.

Versatility of Properties

We cater to various property types, including Single Family, Multi Family, Commercial, and Mixed Use.

Credit Influence

Client credit significantly impacts the loan terms, with better rates offered.

Bridge Funds

GAP Bridge Funds

Private Money Funds

Personal Funding

Ideal for clients with verifiable income through a W2 job who aspire to initiate their entrepreneurial ventures or real estate endeavors. Not recommended for self-employed individuals.

Individuals can qualify for amounts up to $300,000, while households can access up to $500,000. Although we consider combined household income, the evaluation relies on a single individual’s credit score.

No prepayment penalties are imposed, making it a flexible solution. This option is particularly beneficial for those seeking quick funding with the ability to repay within a short timeframe.

Minimum $40K/year W2 or 1099 income to qualify.

The approval process takes personal credit into account, making it well-suited for individuals with a currently low debt-to-income ratio. Expect fast funding within two weeks or less.

This program is ideal for real estate investors that want fast funding with minimal documentation enabling them to purchase properties with no money down. It is a great option for someone with strong credit and a steady income. No industry restrictions, can be used for GAP funding for some real estate transactions.

Requirements:

Minimum 680+ Credit Score
Minimum 40k/Year W2/1099 income
No bankruptcies within the last 5 years

BENEFITS:

Funding Amount: $300,000 (individual) $500,000 (Household)
Funding Form: Term loans and lines of credit
Funding Timeline: 2 weeks
Rate & Terms: 6% to 12% with 3,5,7 or 10 year terms
Fees: 10-15% Success Fee (based upon deal)