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Rehab & New Construction Loans

Short-term financing to free-up your capital for the renovation or ground-up construction of investment properties. 

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Rehab Loan & Ground Up Construction Loan

LTC Maximum

  Standard Rehab Product Overview

Loan Purpose

 Purchase and Delayed Financing (purchased with cash in the last 180 days)

Borrower Type

Entity or Individual (see full matrix for details)

Eligible Properties

Residential, Non-owner occupied, Business-purpose only.
Single Family Residences (inc. Condo/PUD), 2-4 Units
Warrantable Condo, Non-Warrantable Condo

Ineligible Project Scope

New or Mid-Construction; Structural Renovations; Properties not structurally sound; Removal of Exterior Walls (including the roof structure); Adding an additional story, detached ADU or additional units; Adding/Subtracting square feet; Conversions; Properties with Extensive Damage (Fire or Water)

Ineligible Properties

Rural (case by case), Multifamily, Mixed-Use, Manufactured, Condotels, Farms, Storage Facilities, Commercial Properties, Land, among others as indicated in guidelines

Project Scope

Experience Minimum

LTC Maximum

LTV Maximum ARV

Minimum FICO

Loan Amount

Non-Structural Improvements

2+ experience required in last three years0

90%

75% (90% LTC limited to 70% LTV)

660

$100,000 Minimum to $3,000,000 Maximum Minimum to $3,000,000 Maximum

  Ground Up Construction Product Overview

Loan Type

 Purchase and Re-Finance

Asset Type

Residential Non Owner Occupied, Commercial, Mixed Use, Warehouse
Strip Mall, Office Building, Multifamily Apartment Building, Hotel
Shopping Center

Loan Size

$500,000-$50,000,000

Loan Term

12-36 Months Plus Extensions

LTC (Loan to Cost)

Up to 80%

LTV (Loan to Value)

ARV (After Repair Value)

Closing Timeline

Amortization

Minimum FICO

Residency

Up to 80% (Purchase)

Up to 65%

As little as 5 weeks

Interest Only

640

We Lend to Foreign Nationals

Commercial Optimal Ground Up Construction Loans Overview

Loan Amount

$300,000 to $5 million

Minimum Credit Score

650

Advance Rates

LTC (Loan-to-Cost)

Terms

Interest Rates

Closing Time

Property Types

Geographical Coverage

AIV (As-Is Value): Up to 50%
ARV (After Repair Value): Up to 65%

Up to 85%

Customized loan terms based on project needs

Competitive rates starting from [insert rate]%

Fast closings within 10 to 21 days

​Residential, Multifamily, Commercial, Mixed-use

Available in all 50 states

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