Loan Programs

Properties we lend on:

  • Investment/Strictly Business Purpose 1-4 Units, Multifamily (5+ Units), Mixed Use, Retail, Office, Automotive, Self-Storage, Warehouse, Light Industrial, Special Use Property, Restaurant, Strip Mall, House of Worship, Land…
  • (We lend to all types of entities – LLC, Corps/LLP,Trust, etc.)

For a full list of property types click here!

FIX & FLIP/REHAB

A.R.V. Based

  • Up to 90% LTV
  • 100% rehab (No interest, until drawn)
  • Starting rate: 8.99% + 1.75-2.25 Points1
  • Loan amount: $250,000-$15 Million
  • 12-16 months term with no prepay penalty
  • Under an entity (Corp/LLC) only
  • As is & ARV appraisal required
  • Proven experience dictates leverage & rate

2 Day Closing

  • Funds in 2 days after commitment
  • Starting rate: 9% + 2-2.25 Points1
  • 12 months term
  • 80% – 90% LTV
  • No appraisal
  • Decision in hours, not days
  • No rehab financed
  • For Southern California Only

1 Depends on experience, loan amount and leverage

IN-HOUSE HARD MONEY

Diamond Program

  • Funds in 5-7 days
  • Rate: 8.99% – 11.99%2
  • 1-3 year term
  • Up to 75% LTV
  • Foreclosure/Bankruptcy/bad credit OK
  • Loan amount: $100k to $3M
  • Foreign / ITIN borrowers welcome
  • For California only

2nd TD

  • Funds in 7-10 days
  • Rate: 10% – 14%2
  • 1-2 years term
  • Up to 65% CLTV for residential properties
  • Up to 60% CLTV for commercial properties
  • Not Fico driven
  • Loan amount up to $1M
  • For California only

2 Depends on loan amount, leverage and term

NON-PRIME (STATED) 

30 years fixed (Nationwide)

  • Funds in 30-45 days
  • Rate: 5.24%3
  • Amortized & Fixed for 30 years
  • LTV-75% Commercial/80% Residential
  • Mid Fico 650
  • Loan Amount: $200k to $5mil
  • No Tax Returns
  • Seller carry / 2nd lien allowed

3 Buydown required

If you have any questions about our loan programs please fill out the form below:

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