PROGRAMS WE ARE STILL FUNDING DURING COVID - 19

 ****WE ARE STILL FUNDING DESPITE COVID-19**** 
We hope you are staying SAFE out there!
Below does not apply to SPECIALTY PROJECTS.  

LOWER LTV's (65% and below) & PROPERTIES OWNED FREE AND CLEAR ARE THE LENDING "SWEET SPOT" DURING COVID - 19

We still have programs that grant a higher LTV, but not on: Delinquent mortgages , Properties currently in foreclosure (NOD, etc.)   and Credit below a 620 . Borrowers must negotiate their payoffs to reach lower LTV's. Be prepared for slightly higher rates if not going full doc. Our Full-Doc OWNER OCCUPIED rates are still low.  We have loans with BPO requirements instead of full appraisals (faster to close). We still have investor credit lines for EXPERIENCED INVESTORS ONLY!!! We specialize in deal fallouts. SEE IF WE CAN HELP!!!!

HARD MONEY 

  • 5-10 DAY FUNDING
  • LOW LTV
  • ALL PROPERTY TYPES


NON - QM

  • 75% MAX LTV
  • P&L ONLY FOR INCOME
  • 1 YEAR SELF EMPLOYED
  • 12 & 24 MONTHS BANK STATEMENTS
  • 2ND CHANCE LENDING
  • ITIN 
  • DACA
  • 100% GIFT FUNDS
  • 50% DTI

FULL DOC

  • INVESTMENT & OWNER OCCUPIED
  • 620 CREDIT MIN. FOR CONVENTIONAL
  • 640 CREDIT MIN. FOR FHA/VA
  • 97% MAX LTV
  • APPRAISAL TRANSFERS ACCEPTED
  • O/O IN WA, CA, NV, AZ, TX, IL, VA, NC, GA & FL ONLY

FIX & FLIP/BUSINESS PURPOSE

  • BUILD TO SELL
  • CREDIT LINES
  • BUSINESS PURPOSE LOANS $100K - $10M



LARGE CANNABIS 1ST MORTGAGE IN CA

  • PURCHASES & REFINANCES UP TO 65% LTV
  • MORE OPTIONS DEPENDING ON THE SCENARIO


STATED INCOME/ASSET

  • UP TO $2M
  • NO INCOME DOCS
  • NO EMPLOYMENT
  • PURCHASE, 70% LTV
  • CASH OUT, 50% LTV
  • HELOC I/O, 65% LTV
  • 700+ FICO 
  • 3.99% PITI - NO PREPAY
  • DRIVE BY APPRAISAL ONLY DURING COVID


CONSTRUCTION/ CONSTRUCTION COMPLETION

  • MAKE-SENSE DEALS ONLY
  • SHOVEL READY GEOUND-UP CONSTRUCTION DEALS PREFERRED
  • NON - RECOURSE COMMERCIAL LOANS
  • ASSET - BASED
  • PROJECT -ORIENTED LENDING
  • CA DEALS ON A CASE BY CASE BASIS


HIGH-BALANCE LOANS TO 95%

  • UP TO 95% LTV FOR LOAN AMOUNTS UP TO $765,600 (or max county limit)
  • AVAILABLE FOR PRIMARY, SECONDARY, AND INVESTMENT HOMES
  • 2-4 UNIT PROPERTIES  UP TO $1,472,550 OR MAX COUNTY LIMIT
  • PURCHASES AND REFINANCES AVAILABLE
  • IF FINANCING A PRIMARY RESIDENCE, THERE IS NO CAP TO THE NUMBER OF FINANCED PROPERTIES A BORROWER CAN HAVE 
  • NO BORROWER MINIMUM CONTRIBUTION ON PRIMARY RESIDENCE PURCHASES (<80% LTV)
  • MINIMUM 620 FICO SCORE
  • SELLER CAN CONTRIBUTE UP TO 9% ON PRIMARY AND SECONDARY HOMES

  • Commercial 
  • Apartments 
  • Office 
  • Industrial  
  • Mixed Use 
  • Retail Strip & Shopping Centers 
  • Hospitality 
  • Business Purpose Loans
  • Self Storage   
  • Multifamily 
  • Construction Completion 
  •  Rehab 
  •  Bridge
  • SFR
  • Condos
  • Multi - Unit

12 - 24 Month Bridge Loans/Note Purchases

  Close in as little as 10 business days

  •  Rates from 7.9%
  • Construction loans from 9.5%
  • Loan amounts up to $10 Million
  • Up to 65% Loan to Value
  • 2nd mortgages OK
  • Bank Statements required
  • Purchase, Refinance, or Cash Out
  • Recent Foreclosures OK
  • Recent Bankruptcy OK
  • Same Day Approval
  • 2nd Mortgages OK - We can do stand-alone 2nd's, as well
  • Business Purpose Loans
  • NO Upfront Fees
  • Unlimited Cash Out
  • STATED INCOME OK
  • Professional Investors OK
  • Equity-Based Loan


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