LOAN APPLICATION
You can obtain information on our loan programs and begin the conversation about financing for your next project by giving us a call at 1-803-479-1186 or by filling out the form below.
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Bridge Loan Program
A hard money loan intended for new and experienced real estate investors seeking funding for short-term financing nationwide.
LOAN CRITERIA
Collateral:
Non-Owner Occupied 1-4 Family & Multi-Family Real Estate;
Condos; Townhomes; 5+ Unit Apartments; Mixed-Use Properties
Term:
12 – 18 Months
Loan Amount:
$50k - $10M
LTV:
Purchase: The Lesser of Up to 75% of the Purchase Price or Up to 80% Loan-to-Cost
Refinance: Up to 70% of the As-Is Value
Cash-Out: Up to 65% of the As-Is Value
Credit Score:
620 Minimum
Fix & Flip Financing
Obtain financing for up to 85% of the purchase price + up to 100% of the renovation costs.
LOAN CRITERIA
Collateral:
Non-Owner Occupied 1–4 Family Real Estate; Condos; Townhomes
Term:
12 Months
Loan Amount:
$50K–$7.5M
LTV:
Up to 85% of the Purchase Price + 100% of the Renovation Costs
(Not to Exceed 70% of the After Repair Value)
Property Value:
“As-Is” Appraised Value Must Be Greater Than $50k
Credit Score:
620 Minimum
Experience:
Prior Real Estate Investing Experience Not Required
But Affects Leverage & Pricing
Obtain long-term financing for 5 to 20-unit apartment buildings.
Long-Term Rental Financing
Obtain long-term rental financing with 30-year terms.
LOAN CRITERIA
Collateral:
Non-Owner Occupied 1–4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
Term:
30 Years
Loan Amount:
$65K–$1.5M
LTV:
Purchase: The Lesser of Up to 80% of the As-Is Value
or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
Property Value:
“As-Is” Appraised Value Must Be Greater Than $100K
Credit Score:
620 Minimum
Debt Service Coverage Ratio (DSCR):
1.10
New Construction Financing
Obtain financing for ground-up construction projects.
LOAN CRITERIA
Collateral:
Non-Owner Occupied Single-Family Properties;
Condos; Townhomes
Term:
12 to 24 Months
Loan Amount:
$100k* - $2M
*Based on Max Loan Amount
LTV:
Initial Loan Amount:
Up to 75% of the As-Is Value
Maximum Loan Amount:
Up to 75% of the After-Repair Value
Up to 90% Total Loan-to-Cost
Minimum Property Value:
$150k**
**As-Completed Value
Credit Score:
650 Minimum
Short-Term Multi-Family Financing
Short-Term Vacation Rental Program
Purchase, Refinance, & Cash-Out Options for Vacation Rental Properties
LOAN CRITERIA
Collateral:
Non-Owner Occupied 1–4 Family Real Estate; Condos; Townhomes
Term:
30 Years
Amortization Options:
30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1)
& 5 & 10-Year Interest-Only
Loan Amount:
$75K*–$2M
*Minimum Value Requirement of 100k.
Credit Score:
650 Minimum
