LOAN OPTIONS

Please note that the structure and pricing of each loan are subject to underwriting and approval. Terms and rates subject to change. 

Key Features:

• Loans terms 6-to-9-month loans with automatic 3-to-6 months extensions with extension fee. (This is dependent on the Borrower’s experience, down payment, liquidity credit, rehab amount and the property. Rates and fees are subject to underwriting and market availability.)
• Competitive rates starting at 9% 
• LTVs up to 90% of purchase price & 90% of repair costs. (This is subject to ‘As-Is’ value being at least equal to the purchase price and loan amount being no more than 70% of the after-repair value.)
• Credit Requirement 620 min.
• No Pre-Payment Penalty

Loan Terms

LTV, rates, and loan amounts are dependent on the Borrower’s experience, down payment, liquidity credit, rehab amount and the property. Rates and fees are subject to underwriting and market availability.

Key Features:

• 1-to-3-year loans with interest-only payments
•  Loan Amounts $250,000 - $15,000,000 
• Competitive rates starting at 10.5%.
• Fees starting at 1%.
• First mortgages only
• Up to 85% LTC
• Experienced investors with good credit preferred.

Property Types Allowed

• Multifamily Residential
• Small Shopping Centers
• Industrial
• Office
• Warehouse
• Ground-Up Construction
• Other Commercial

All terms are subject to underwriting of the Borrower and subject property/lot. 

Key Features:

•  Loans $250,000-$15,000,000 
• Competitive rates starting at 10.5% and are dependent on borrower experience, down payment, liquidity, credit, and project scope.
• We offer ground up construction loans from $100,000 - $5,000,000.
• Monthly payments are interest only.
• Interest is only charged on the construction fund as funds are disbursed through our construction draw process.

Please note that all terms and conditions of the loan are subject to underwriting of both the Borrower and the appraisal of subject property. A sliding prepayment penalty may apply. 

Key Features:

• LTVs of up to 80%
• Fully amortizing schedule
• Flexible terms: 30-year fixed rate, fully amortized, or interest only for first 10 years
• DS minimum 1.0 ratio
• Competitive rates as low as 7%

Property Types Allowed

• 1-4 Unit Residential
• Condos
• Townhomes
• Stabilized properties are preferred, but we soon-to-be-leased properties are acceptable.
• All properties must be non-owner occupied.

Land Loans

• Flexible financing or refinancing for ranches, farms, and acreages.

Country Home Loans

• Financing to build or purchase a country home or barndominium

Agri-business Loans

• Financing options for large and small agribusiness operations

Equipment Loans

• Loans for new and used agricultural equipment.

Livestock Loans

• Livestock loans from seedstock and cow/calf operations to the feedyard

Nursery Loans

• Customized nursery loans for acquisition, construction, or production

Poultry Loans

• Customized loans for poultry houses and operations

Timber Loans

• Customized financing solutions for timber land purchase and forestry operations

Young, Beginning, and Small

• Lending programs for young, beginning, and small operations

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:

• LTVs of up to 65%
• No U.S. credit required.
• 30-year fixed rate
• Par pricing.

 Property Types

• Investor 1-4 (SFR, Condo, and 2-4 Units)
• Multi-Family (5+ Units)
• Mixed-Use
• Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

Key Features:

• Loan Amounts $50,000 - $5,000,000
• Non-Owner, Second Home, Owner Business Purpose
• No Doc, Stated Doc, Light Doc, Bank Statement Programs, Expanded DTI Allowances, No Ratio
• Loan to Values Up to 90%
• No 4506 
• All Property Conditions 
• Recent Foreclosure or BK Ok 
• Individuals, Trusts, Foreign Nationals, Corp LLC 
• 1st & 2nd Mortgages
• No Seasoning
• Purchase, Refinance, or Cash-Out
• Equity Based
• Bad Credit Allowed

Property Types Allowed

• Single Family Residence 
• Condo
• Duplex
• Tri-plex
• 4-plex
• Farm
• Multiple Homes
• AG

Key Features:

• Loan Amounts $275,000 - $3,000,000
• No Fico or Bad Fico Ok
• No Tax Returns & No Doc
• Stated Options
• No Debt-to-Income Ratio
• No Debt Service
• No Financials
• No 4506
• All Property Uses
• No Red Tape
• All Property Types*
• High Loan to Value
• Recent Foreclosure or BK Ok
• Individuals, Trusts, Foreign Nationals, Corp LLC
• 1st & 2nd Mortgages
• Cross Collateral
• No Seasoning
• Purchase, Refinance, or Cash-Out

Property Types Allowed

• Single Family Residence 
• Condo
• Duplex
• Tri-plex
• 4-plex
• Townhouse
• Farm
• Land

Key Features:  

• Loan Amounts $70,000 - $7,000,000
• No Doc
• Stated Income Loans
• All Property Types
• All Conditions
• Bad Fico Ok
• No Tax Returns
• Vacant Ok
• No Debt-to-Income Ratio
• No Debt Service
• No Financials
• "Make Sense Underwriting"
• Fast Close
• High Loan to Value
• Trusts, Foreign Nationals, Corp LLC
• 1st & 2nd Mortgages  
• Cross Collateral
• No Seasoning
• Purchase, Refinance, or Cash-Out
•  Equity Based

Property Types Allowed

• Multi-family
• Apartments
• Retail
• Office
• Mixed-Use
• Cross-Collateral
• Special Use