Loan Programs

Residential Fix & Flip

  • Term 12 Months
  • Loan Amount $50k to $2.5M+
  • LTV Up to 85% of the purchase price;
    Up to 65% Refinance;
    Up to 50% Cash-Out
  • Property Types Non-owner occupied 1-4 family residential
  • FICO No set minimum

After Repair Value (ARV)

  • Term 12 Months
  • Loan Amount $75k to $2.5M+
  • LTV Up to 85% of the purchase price;
    up to 100% of renovation costs;
    Not to exceed 75% of the ARV
  • Property Types Non-owner occupied 1-4 family residential
  • FICO 600 minimum

Bridge Financing For Rental Properties

  • Term 18 Months
  • Loan Amount $50k to $2.5M+
  • LTV Up to 85% of the purchase price;
    Up to 65% Refinance;
    Up to 50% Cash-Out
  • Property Types Non-owner occupied 1-4 family residential
  • FICO No set minimum

Short-Term Financing for Commercial Properties

  • Term 18 Months
  • Loan Amount $100k to $2.5M+
  • LTV Up to 70% of the purchase price;
    Up to 50% Refinance;
    Up to 50% Cash-Out
  • Property Types Mixed-use; office buildings; apartment complexes (5 units+); retail spaces
  • FICO 600

Buy-to-Rent Loans

  • Term 24 Months (12-Month Extension Available)
  • Loan Amount $50k to $2.5M+
  • LTV Purchase - Lesser of up to 75% of the As-Is Value or Up to 75% Loan-to-Cost;
    Refinance - Up to 70% of the As-Is Value
    Cash-Out - Up to 65% of the As-Is Value
  • Property Types 1-4 Family & Multi-Family Non-Owner Occupied Real Estate; Condos; Townhomes; 5+ Apartments; Mixed-Use Properties
  • FICO 660 Minimum
  • Property Value "As-Is" Appraised Value Must Be Greater Than $75k
  • Rent Coverage Ratio 1.25