Loan Options
Different loans for different borrowers.
Every borrower that steps into your office has a unique vision – and a unique set of circumstances that have led them to you. Our wide range of alternative, asset‑based mortgage programs allow brokers to service the needs of tough-to-qualify real estate investors, including W-2 employees, self-employed entrepreneurs and small business owners.
Here's a summary of the residential investment and commercial mortgage programs we offer.
Fix And Flip
Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).
Do you need a short-term loan so you can fix and flip a house? Our fix and flip loans allow you to purchase a property under market value, rehab it, and then re-sell it as quickly as possible. Typically, a 1-year term with no pre-payment penalty, it enables investors like you to maximize returns on quick flips. If you have a larger rehab project that is going to take longer than one year, do not worry we also offer 2 year fix and flip options as well.
Key Features
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Allows borrowers to finance improvements.
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Great for borrowers who need a quick close.
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An interest-only 1or 2 year terms provides lower monthly payments.
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A higher LTV than hard money lenders.
Property Types
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Investor 1-4 (SFR, Condo, and 2-4 Units)
Flexible Term Loan
Customize loans to meet the individual needs of each investor.
Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.
Key Features
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30-year fixed rate.
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Interest-only payments up to 10 years.
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Great for qualifying self-employed investors and small business owners.
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Based on property value, not personal income.
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Best alternative to hard money loans.
Property Types
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Investor 1-4 (SFR, Condo, and 2-4 Units)
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Multi-Family (5+ Units)
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Mixed-Use
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Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Hard Money Loans
Designed for investors with derogatory credit issues with high equity seeking quick and easy qualification. Also ideal for Investors seeking a fast closing for a purchase or to cash-out quickly (3-7 days). Terms are typically more costly than other loan options. Nevertheless, the savvy investor realizes that in some situations, the cost of not funding the project quickly is far greater than the alternative.
Key Features
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No seasoning of ownership required.
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Foreclosure Bailouts
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Derogatory mortgage history is OK.
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Available as a 1-3 year interest only or 30-year-fixed loan, each amortized over 30 years.
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Funds borrowers with a recent bankruptcy or notice of default.
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No Source of Funds needed
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Loan-to-Value up to 70%
Property Types
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Investor 1-4 (SFR, Condo, and 2-4 Units)
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Multi-Family (5+ Units)
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Mixed-Use
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Commercial (Office, Retail, Warehouse
Bridge Loans
Our Bridge Loan Program is perfect for those individuals or business in need of a temporary source of funding until a traditional source can be secured. If you're looking to quickly fund a short-term loan on an investment property, our Bridge Loan program provides you with the flexibility!
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An interest-only, 24-month term provides lower monthly payments.
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Available for purchase or cash-out refinance.
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Perfect for acquiring or leveraging real estate holdings.
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A higher LTV than hard money options
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Cross-Collateralization combining multiple properties allowed
Key Features
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Great for borrowers with a recent bankruptcy or notice of default.
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No seasoning of ownership required.
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Derogatory mortgage history is OK.
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Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
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Stated income and no DTI requirement, No minimum FICO requirement, No minimum DSCR requirement on 1-year term
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No prepayment penalty on 1-year term
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Quicker valuation process, full appraisals only required on case-by-case basis
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Close quickly, 7-10 business days on average
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Interest-only payments
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Up to 80% LTV
Property Types
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Investor 1-4 (SFR, Condo, and 2-4 Units)
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Multi-Family (5+ Units)
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Mixed-Use
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Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Foreign Investor Loan
The perfect option for foreign real estate investors.
Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.
Key Features
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LTVs of up to 65%.
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No U.S. credit required.
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No seasoning of funds required.
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No other U.S. investment experience required.
Property Types
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Investor 1-4 (SFR, Condo, and 2-4 Units)
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Multi-Family (5+ Units)
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Mixed-Use
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Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
