We offer short-term, long-term and commercial loans for the investors looking to start or expand their portfolios. With our comprehensive loan offerings, we strive to provide a solution for every unique investing situation.

Our loan offerings are flexible and tailored to your unique circumstances. While the amount you can borrow depends largely on the value of the property and the borrower’s down payment, we typically loan up to 70% of the After Repair Value (ARV). However, we understand that each deal is unique, and we don’t want you to miss out on a great opportunity. Therefore, we might partner with a Rehabber in a joint venture in certain instances, providing nearly 100% of the short-term financing required. It’s crucial to note that while demonstrating the ability to make payments is important, the value of the real estate asset is what primarily secures the loan. Our commitment is to provide you with personalized, flexible solutions, be it short-term or long-term loans, or Rent-to-Own and Lease Option plans, aimed at empowering you to make confident real estate decisions.

The loan application process with us is streamlined and efficient. We evaluate factors such as the property’s appraised value, the borrower’s experience, equity or merit of the property, and a feasible exit strategy. If you’ve closed a loan with us before, the process can be even quicker, potentially closing your next deal within a week. Ultimately, the speed of loan closing often mirrors the pace at which the borrower can submit necessary paperwork and forms. Our loans require significantly less paperwork than traditional institutional loans, enabling us to typically close loans in under three weeks. Remember, the faster the necessary documents are provided, the quicker we can commence the underwriting process and get you the funding you need.

The interest rate on our loans is determined by a variety of factors tailored to each unique scenario. Key determinants include the appraised value of the property, the equity created through your down payment, and the value of any other real estate investments you own. We take all of these factors into account to provide a comprehensive loan solution that’s suited to your specific financial circumstances, ensuring our rates remain as competitive and fair as possible.

Most of our loans are secured using the property being purchased as the collateral. This means that the property itself serves as the security for the loan. In situations such as Rent-to-Own opportunities, the collateral, which is the property, remains with the lender until all conditions of the lease option agreement are fulfilled. This approach ensures the protection of both parties and allows us to provide flexible and effective real estate funding solutions to meet your unique needs.

As a private money lender, we take a more holistic approach to assessing loan applications. While credit score is a consideration, we place greater emphasis on other factors such as the appraised value of the property, its equity, and your experience as a borrower. We understand that circumstances can lead to declined bank loans, whether due to credit issues or excessive loan conditions. That’s why we strive to offer flexible and inclusive loan solutions, ensuring that a wider range of borrowers can access the funding they need to realize their real estate goals.