Loan Programs

Private Lending

Private lending is available for commercial and business-purpose loans, including bridge loans, renovation and ground-up construction. This option allows for cross-collateral and flexible underwriting with terms ranging from three months to three years. Private rates start at 10.5% per annum, and a 65% LTV/ARLTV and 75% LTC requirement must be met. Whether you're looking to renovate an existing property or build from the ground up, private lending can provide a solution.

    • $3,125,000 cross-collateral purchase; borrower leveraged equity in real estate owned to acquire new property and finance renovations.

Conventional & Traditional

If you're looking for traditional financing options, we offer Fannie Mae, Freddie Mac, VA, and FHA loan programs. We work with multiple outlets to compare scenarios and rates and provide our clients with the best possible options. The conventional loan limit for 2023 is $715,000, and we can help you navigate the application process to find the right solution for your needs.

Non-QM (Alternative Income Documentation)

If you're an investor looking for cash flow from investment properties, there are financing options available that don't require personal or business tax returns. Income qualification is based on the cash flow of the property, and AirBnB and short-term rentals are permitted. Self-employed borrowers can also apply and may be eligible for 12 or 24-month bank statement programs, whether personal or business. For independent contractors, only an IRS Form-1099 may be required, while a profit and loss statement may suffice for others. There are 1-4 unit and 5-8 unit programs available, and loan amounts can go as high as $4,000,000.

    • $2,470,000 Investor Cash Flow refinance. Vested in LLC. No tax returns, used Airbnb income to qualify

Portfolio Jumbo

This lending option offers loan amounts up to $5,000,000 and in-house underwriting. LLC vesting is permitted, and there are alternative income solutions such as asset depletion, profit and loss statements, and bank statements. Additionally, income from VRBO and short-term rentals may also be considered.

    • $1,549,000 Cash-Out Refinance on 3 property cross collateral transaction. 70% Loan to value, Qualified on VRBO income.