Residential Financing

If you've been turned down by other lenders for lack of investor "experience"

you need to speak to us. Most lenders what to see at least 2 flips in the past 24

months before they even consider working with you.

We can get your project up and running even if you've never flipped a property

before, we do not require experience.

We do not have a minimum credit score requirement.

We will not turn you down based on your current score.

Fix and Flip: 

12 to 24 month term

Stated income, No tax returns. Interest only

No pre payment penalty on 12 month, 8 month pre payment penalty on 24

Up to 80% LTV, 15% discount on building materials.

Interest is based on credit and past experience.

Bridge Financing:

12 to 24 months

Stated income and no DTI requirement.

No minimum FICO, no DSCR requirement for 12 month.

Quicker valuation process, Full appraisal only required on a case by case basis

7 to 10 day close

Rental Loans:

Portfolio or single asset.

5/1, 7/1, 10/1 interest only ARM's

30 year amortized with fixed initial interest only payment periods.

Reasonable underwriting on cashflow requirements.

Aggressive LTV's / high leverage

600 Minimum FICO

Up to 80% LTV ( Purchase, Rate and term Refinance, Cash out Refinance)

Property types: SFR, 2-4 units, Condos, PUD's, and Townhomes.

Rates start at 6.25%

12 to 24 month

No pre payment penalty on 12 month term,

Construction must be 90% completed

Foundation, framing, electrical, and plumbing must be 100% completed.

Up to 80% LTV, Interest only payments.

Stated income only.

No minimum DSCR requirement on 12 month term.

AZ, CA, CO, FL, GA, HI, ID, IL, MD, NV, NJ, NC, OR, PA, SC, TN, TX, UT, VA, WA, DC

No minimum FICO requirements in most cases, Rates and terms are based upon borrowers FICO, property type, Location and experience if any.