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What factors are considered for loan approval?

While specific criteria may vary, we typically consider factors such as property value, renovation plans, liquidity, credit and experience as a real estate investor.

What types of properties do you lend on?

We provide financing for a wide range of properties, including single-family homes, multi-family properties, commercial properties, and more. Contact us to discuss your specific property and financing needs.

Are there any properties you do not lend on?

We do not lend on vacant land, churches, horizontal development projects and pre-development projects.

How quickly can I close?

We understand the importance of timely funding. Once we have all the necessary information, our team strives to provide swift loan approvals. Funding timelines can vary depending on the complexity of the project and the documentation required, but we have the ability to close loans in as little as 5-10 business days.

Do you offer financing for first-time investors?

Yes, we welcome both seasoned investors and first-time investors. Our team is here to offer guidance and support, regardless of your level of experience.

Are there prepayment penalties?

Our loan terms and conditions may vary, but we strive to provide flexible options. We can discuss prepayment penalties and other terms during the loan application process.

Will you lend to an individual?

Yes, we will lend to individuals.

Do you offer discount pricing for return borrowers?

Yes, we value repeat customers.

Do you require personal guarantees of the principals?

Yes, in almost all cases.

Do you lend against primary residences?

No, we only lend to investors. All of our loans must be non-owner-occupied.

Will you take a 2nd lien position on a loan?

No, we are a 1st lien lender only.

Do you offer new construction financing?

Yes, but only to experienced contractors or builders.

Will you roll loan costs into the loan?

Yes, but it depends upon the particular circumstances of the loan and individual circumstances of the borrower.

What income requirements do you require?

We do not have set income requirements for the borrower, but the borrower and/or the asset must be able to demonstrate the ability to pay scheduled interest.

What are your lending limits?

$200,000 – $20,000,000

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