Real Estate Funding Options

BUILD YOUR REAL ESTATE PORTFOLIO WITH OUR COMPETITIVE REAL ESTATE FUNDING.

Buy and Hold – Long-term financing for rental properties to generate steady cash flow and build wealth.
Fix and Flip – Short-term loans designed for investors renovating and reselling properties for profit.
Multi-Family – Funding for apartment buildings, duplexes, and larger residential investments.

Commercial – Financing solutions for office buildings, retail centers, industrial properties, and more.
Single-Family – Loans for single-unit rental properties, investment homes, and portfolio expansion.
Ground-Up Construction – Capital for new residential and commercial development projects.
Vacant Land – Financing for land acquisition and development opportunities.

Buy and Hold Loans (Rental Property Loans)

Loan-to-Value (LTV): Up to 80% (higher for portfolio loans)
Interest Rates: 6.5% – 9% (fixed or adjustable)
Loan Term: 5, 10, or 30 years (typically with a 30-year amortization)
Down Payment: 20% – 25%
Prepayment Penalty: Varies (common on DSCR loans)

Fix and Flip Loans (Bridge Loans)

LTV: Up to 90% of purchase price, 100% of rehab costs (subject to ARV limits)
Loan-to-After-Repair Value (ARV): 70% – 75%
Interest Rates: 8% – 12% (interest-only)
Loan Term: 6 – 24 months
Points (Origination Fees): 1 – 3%

Commercial Real Estate Loans

LTV: 40% – 65%
Interest Rates: 6% – 10% (varies by asset type and borrower profile)
Loan Term: 5 – 25 years
Amortization: 20 – 30 years
Prepayment Penalty: Yes (varies based on lender and loan type)

Multi-Family Loans (5+ Units)

LTV: Up to 80%
Interest Rates: 6% – 9% (depends on DSCR, location, and asset class)
Loan Term: 5, 10, or 30 years
Amortization: 25 – 30 years
Prepayment Penalty: Typically applies

Single-Family Investment Loans

LTV: Up to 80%
Interest Rates: 6.5% – 9%
Loan Term: 10 – 30 years (fixed or adjustable)
Amortization: 30 years

Ground-Up Construction Loans

LTV: Up to 75% of total project cost
Interest Rates: 9% – 12% (interest-only)
Loan Term: 12 – 36 months
Draw Schedule: Yes, based on project milestones
Down Payment: 20% – 30%

Vacant Land Loans

LTV: Up to 50% (lower for raw land, higher for shovel-ready projects)
Interest Rates: 7% – 12%
Loan Term: 1 – 10 years
Down Payment: Minimum 50%