Our Products

We finance non-owner occupied residential investment properties, with a range of products to meet every need.

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Direct Private Money Financing for Residential Investment Properties

Single Rental Loan

Competitive 30-year fixed-rate loan

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Portfolio Rental Loan

Blanket loan to refinance a portfolio with seven or more rental units

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Fix & Flip Loans

Short-term loans with rates as low as 6.99%*

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Single Rental Loan

Provides a flexible alternative to conventional loans*
Can be used for purchase or refinance

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Portfolio Rental Loan

For seasoned investors with portfolios of seven or more units
Can consolidate multiple loans into a single loan for better cash flow*
Allows investors to access equity from an established portfolio*

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Fix & Flip Loans

Short-term loans for fix & flip or fix & hold properties with rates as low as 6.99%*
Single property loans from $50K to $3MM
Lines of credit up to $10MM for investors doing multiple acquisitions
New construction financing available including lines of credit and single loans

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We have a product to meet your needs.

	Single Rental Loan	Portfolio Rental Loan	Fix & Flip Loans	New Construction Loans
Loan Purpose	Purchase a single property, or Refinance a single property, with option to take cash-out**	Take cash out of an existing portfolio to buy more properties, or Refinance or consolidate multiple rental loans	Exposure line up to $10MM for experienced investors (1+ completed flip in the past 2 years)*** Single property loan to acquire and/or renovate a single property to resell	Ground-up construction loans for developers and investors building 1-5 properties at a time Lot financing can be included, if lots are in build-ready condition
Interest Rate*	6.50-9.00%	6.00-7.50%	6.99% and up	6.99% and up
Minimum Property Value	$100,000	Multi-family 5-20 units: $30,000 per unit Other property types: $50,000 per unit****	N/A	N/A
Term	30-year fixed, full amortization	5 years or 10 years with balloon Option to amortize over 30 years or make interest-only payments	9 months, with optional 3 month extension	12 months, with optional 3 month extension
Borrower Type	LLC or Individual	LLC	LLC, Individual, Corporation, LLP or LP	LLC, Individual, Corporation, LLP or LP
Maximum Loan-to-Value (LTV)	80% LTV for Purchase 75% LTV for Refinance	75% LTV for a fully amortized loan 70% LTV for an interest-only loan*****	75% of After Repair Value (ARV)******	75% of ARV
Maximum Loan-to-Cost (LTC) Cost is purchase price amount.	Time Owned : Constraint ≤ 90 days : 80% LTC > 90 days : Full appraised value	Time Owned : Constraint ≤ 90 days : 80% LTC > 90 days : Full appraised value	For Line of Credit: 90%***** For Single Loan: 85%*****	For Line of Credit: 90% of construction costs***** For Single Loan: 85% of construction costs*****
When do we use LTV vs LTC?	Purchase: Use lesser of LTV or LTC calculation Refinance: Use LTC until property has seasoned for 90 days, then use LTV	Purchase: Use lesser of LTV or LTC calculation Refinance: Use LTC until property has seasoned for 90 days, then use LTV	Generally, we use the lesser of LTV or LTC calculation	Generally, we use the lesser of LTV or LTC calculation
Cash Flow Requirement	<$150K value : Max 70% Property Debt-to-Income Ratio (PDTI) ≥$150K value : Max 85% PDTI	Fully Amortized Loan: Debt Service Coverage Ratio (DSCR) of 1.15x Interest-Only Loan: DSCR of 1.20x	N/A	N/A
Rehab Financing	N/A	N/A	For Line of Credit: Funding up to 95% of rehab costs, max 75% of ARV For Single Loan: Funding up to 90% of rehab costs, max 75% of ARV	N/A

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*Loans are subject to investor and business credit approval, appraisal and geographic location of the property and other underwriting criteria. Loan amounts and rates may vary depending upon loan type, LTV, verification of application information and other risk based factors. Application fees, closing costs and other fees may apply.

**Approval for cash-out depends on many loan factors and may not be available on every loan.

***This chart summarizes information about our Fix & Flip Line of Credit Recourse option. We also offer a Non-Recourse Line of Credit product. Please call us for information about our Non-Recourse option.

****Portfolio Loans in the following markets: Baltimore, Chicago, Cleveland, Detroit/Flint, Los Angeles, Miami, New Haven, New Jersey, New Orleans, Oakland, and Philadelphia, require a minimum property value of $100,000.

*****Any multi-family property 30 years or older can not exceed a 25-year amortization. These properties will qualify for interest-only loans at a lower LTV.

******LTV is determined by a combination of factors, including experience, liquidity, net worth, and FICO score. LTV on a Construction Loan is based on the appraiser-projected after-completion value of the construction project. For a New Construction Loan, borrowers with no experience are capped at a max LTV of 70% ARV.

*******LTC is determined by a combination of factors, including experience, liquidity, net worth, and FICO score. LTC on a Construction Loan does not include land acquisition costs. For a New Construction Single Loan, borrowers with no experience are capped at a max LTC of 80%.