Our Hard money loans are “outside of the box” type deals and require creative financing to help real estate investors fund projects where conventional financing may not be right for the circumstances. Hard money loans are typically fast, flexible and simple.
| Interest Rates | As Low as 6.5% |
|---|---|
| LTV | Up to 70% |
| Lien Position | 1st Trust & 2nd Trust Deeds |
| Loan Fee | starting at 2 pts |
| Loan Amount | $100,000 and Up |
| Loan Term | Up to 60 Months |
| Closing Times | As little as 5 days from complete loan package |
| Geography | California Only |
Property Types
- SFR
- Multi-family
- Retail Centers
- Office Buildings
- Warehouse/ Industrial
- Mixed Use Properties
Submission Requirements
- Submission Form or Online Submission Form
- 1003 Application or 1003 Worksheet
- Credit Report or Credit Authorization
- Comparables or Appraisal Report
Our Fix and Flip Loan product is designed specifically for residential property investors looking to finance their next flip or rehab. We offer a simple, fast close and reliable access to capital at rates oftentimes lower than hard money or private lenders. Our loans feature competitive terms and a transparent process with dedicated help every step of the way.
| Interest Rates | As Low as 7.99% |
|---|---|
| LTV/LTC | Up to 90% of Purchase Price |
| Rehab | Up to 100% of Rehab Cost |
| Lien Position | 1st Trust Deeds |
| Loan Fee | starting at 2 pts |
| Loan Amount | Up to $2M ($100,000 minimum) |
| Loan Term | Up to 12 Months |
| Closing Times | 15 business days from completed app, even quicker for repeat borrowers |
| Geography | Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Kentucky, Maryland, Massachusetts, Michigan, Missouri, North Carolina, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and West Virginia. |
Property Types
- SFRs, PUDs
- 2-4 units, condos, townhomes,
Submission Requirements
- 1003 Application
- Credit Report or Credit Authorization
- Scope of Work
- Investor Experience Form
- Declaration of Non Owner Occupancy
The stated income Buy and Hold Program is designed for experienced real estate investors who arepurchasing or refinancing investment properties to be held for business purposes. The loan qualification is determined based on a debt coverage ratio, or DCR, with borrowers qualifying based on cash flows from the subject property, no Tax Returns required.
| Interest Rates | As Low as 5.625% |
|---|---|
| LTV | Up to 80% |
| Lien Position | 1st Trust Deeds Only |
| Loan Fee | starting at 1.5pts |
| Loan Amount | up to $2M ($100,000 minimum) |
| Loan Term | 5/1, 7/1, 10/1, 15 and 30 year fixed. Interest only available on 5/1 ARM* |
| Closing Times | 20 – 30 Days |
| Geography | California Only |
Property Types
- 1-4 Unit Residential (Non Owner Occupied)
- Condo/ Townhome (Non Owner Occupied)
Submission Requirements
- Submission Form or Online Submission Form
- 1003 Application or 1003 Worksheet
- Credit Report or Credit Authorization
- Current Rent Roll (if applicable) or Investor Experience Form
- Business Purpose Form
This Stated Income loan is for prime borrowers who are just outside the requirements set down by institutional commercial lenders.“No Income Verification” loans for borrowers looking to purchase, or refinance, investment commercial properties. No tax returns or personal income statements required.
| Interest Rates | As Low as 6.74% |
|---|---|
| LTV | Up to 75% |
| Lien Position | 1st Trust Deeds Only |
| Loan Fee | 1.5 – 3 Pts |
| Loan Amount | $100,000 and Up |
| Loan Term | 3 or 8 year fixed, 30 year fully amortized |
| Closing Times | 30 – 45 Days |
| Geography | California Only |
Property Types
- Single Family Residences
- 2-4 Unit Multi Family
- 5+ Unit Apartments
- Retail Centers
- Office Buildings
- Warehouse/ Industrial
- Mixed Use Properties
Submission Requirements
- Submission Form or Online Submission Form
- 1003 Application or 1003 Worksheet
- Credit Report or Credit Authorization
- Comparables or Appraisal Report
- Operating Statement (if applicable)
- Rent Roll (if applicable)
This program differs from our Traditional Hard Money Program only in that we offer longer terms. More selective process for borrower and property. Great for borrowers who would like to easily finance a property for up to 30 years.
| Interest Rates | As Low as 8.0% |
|---|---|
| LTV | Up to 65% |
| Lien Position | 1st or 2nd Trust Deeds |
| Loan Fee | starting at 2 pts |
| Loan Amount | $100,000 and Up |
| Loan Term | Up to 360 Months |
| Closing Times | As little as 14 days |
| Geography | California Only |
Property Types
- SFR
- 2-4 Unit Multi Family
- 5+ Unit Apartments
- Office Building
- Retail
Submission Requirements
- 1003 Application
- Credit Report or Verbal of Credit Score
- Comparables or Appraisal Report