Real Estate Finance

Stated Income Buy & Hold Loan Product

We are a Correspondent Lender. We’re asset based, credit driven, and  perfect for investors who can’t get qualified with traditional  institutions:  

  • No Income - No Tax Returns or 4506 - No Employment Verification
  • No Reserve Requirement
  • Rates as low as 6.75%
  • MIN Fico: 620-650 (Depending on LTV)
  • Max LTV 75% 
  • Loan amounts from $150,000 - $5,000,000
  • Loans are fully amortized over 30 years with 3 year or 8 year fixed option
  • 2-5 points
  • No DTI Analysis

***Not a Fix & Flip product***  

Stated Income, No FICO Loan Product

This program is a short-term loan, specifically created to offer  speedy access to capital for investors looking for quick and easy  purchase & refinance money. A couple highlights below...  

  • NATIONWIDE
  • Loan Amounts from $150,000 - $2,000,000
  • No Income Docs/No Tax Returns/No DTI or DSCR
  • No VOE, CPA Letter or Personal Financials
  • Up to 75% LTV
  • No Min FICO Requirement
  • Non-Owner Occupied SFR, Condo & 2-4 Unit Rentals Only
  • No Seasoning on FTC - Sourced Only
  • No Title Seasoning
  • Rates start at 8.50%
  • 12 month I/O with optional 6 mos extension at no cost
  • Purchase & Refinance

Other RE Financing

Commercial Bridge | Hard Money Loans

  • All Credit History Accepted     
  • No Financials Required
  • Fast Approvals
  • Loan-to-Value (LTV) up to 75%
  • 1-3 Year Terms, Interest Only
  • Flexible Underwriting
  • Rates Starting at 8%
  • Loan Amounts: $500,000 - $50,000,000 (Loans below $500K will be considered on a case-by-case basis.)
  • Domestic AND International

SBA Preferred Lender Financing

  • Down payment as low as 10% (0% down possibly)
  • Financing available for most industry types including: manufacturers, hotels/motels, gas station/convenience stores, restaurants, assisted living facilities, and daycares
  • Loan amounts: Up to $5,000,000
  • Use of Proceeds: Real estate – purchase, construction, renovation or refinance of commercial real estate - majority of space must be owner-occupied; loans up to $5 million
  • Real estate – up to 90% (100% possible) financing, up to 25 years, prepayment penalty for initial 3 years (none after the end of year 3)
  • Refinance – up to 25 years, prepayment penalty applicable for initial 3 years on terms greater than 15 years
       

CRE Conventional Loans

  • Freddie Mac SBL Program
  • Community Bank Partner offering loans nationwide up to 80% LTV
  • Loan amounts: $300,000 - $50,000,000
  • Other conventional options

Bond Financing

  • Water and Wastewater - Water and Sewer Systems, Solid Waste Facilities
  • General Obligation Bonds – Townships, Cities and Counties
  • Education – Primary, Secondary, Colleges and Universities
  • Project Finance – Special Tax Districts/Tax Increment Financing, Energy Sector
  • Public Infrastructure – Roads, Bridges, Highways, Transportation, Parking,
  • Utilities, Parks Recreation