If you are facing challenges meeting the requirements of full income tax or Debt Service Coverage Ratio (DSCR) for a long-term financing solution, a 1–3-year bridge loan could be the optimal choice until the property and revenue stabilize. Please use the list of documents as a starting point for the processing of your application. For new purchases, we mandate sales contact information and a middle credit score of 600 or higher to qualify for this loan program. A 30% down payment is essential for new purchases, and credit scores below 600 are directed towards our hard money loan program. Supplying additional documents may increase the likelihood of securing a more favorable loan program or expediting the approval process. Please don't hesitate to reach out with any specific questions or details about your loan scenarios.

If the owner's tax returns or rental income may not reflect the same strength, but the owner has a robust monthly business revenue, then utilize the above list of documents as a starting point for the processing. In the case of a new purchase, we require sales contact information and a middle credit score of 660 or higher to qualify for this loan program. A 30% down payment is necessary, and we offer flexible amortization options ranging from 5 to 30 years. Any additional documents may enhance the potential for a better loan program or faster approval. Please feel free to contact us with any specific questions or loan scenarios.

If you encounter challenges with full income tax, DSCR ratio, Profit and Loss Statement, or Bank Statement loan program, utilize the above list of documents as a starting point for processing. For new purchases, we require sales contact information and a middle credit score of 620 or higher to qualify for this loan program. A 30-35% down payment is necessary, and we offer flexible amortization options ranging from 5 to 30 years. Additional documents may enhance the potential for a better loan program or faster approval. Please feel free to contact us with any specific questions or loan scenarios.

If you encounter challenges with full income tax, DSCR ratio, Profit and Loss Statement, or Bank Statement loan program, utilize the above list of documents as a starting point for processing. For new purchases, we require sales contact information and a middle credit score of 660 or higher to qualify for this loan program. A 25%-30% down payment is necessary, and we offer flexible amortization options ranging from 5 to 30 years. Additional documents may enhance the potential for a better loan program or faster approval. Please feel free to contact us with any specific questions or loan scenarios.

Our construction loan program eliminates the need for income tax returns. However, we need a minimum middle credit score of 620 to qualify. A down payment or equity of at least 20% is mandatory, and we provide a flexible 12–24-month interest-only program. We can offer a wide range of $500K to $100M loan amount nationwide. In instances where the project boasts significant equity, we can accumulate payment reserves during the construction phase. The provision of supplementary documents may enhance the likelihood of securing a more favorable loan program or expediting the approval process. Please don't hesitate to reach out with any specific questions or details about your loan scenarios.

Our Fix N' Flip or Fix N' Rent program offers a streamlined application process, bypassing the need for income tax returns or W2 forms. However, applicants must have a minimum middle credit score of 600 to qualify. For those with credit scores below 660 or limited experience in the past 24 months, a higher down payment is required. We mandate a minimum down payment or equity of 15%. Enjoy the flexibility of our 12-month interest-only program without any prepayment penalties. After successfully completing several projects with us, clients may become eligible for an express line of credit (LOC), expediting future processing. For any specific inquiries or details regarding your loan scenarios, please feel free to contact us without hesitation.

Our Residential Investment DSCR (Debt Service Coverage Ratio) loan program is ideal for those seeking financing for residential investment properties, offering a streamlined application process without the need for tax returns or W2 forms. This loan product is suitable for properties in fair or good condition, with tenants already in place or expected to be available for rent. We offer loan terms of up to 30 years, with loan amounts ranging from $250,000 to $10 million. To qualify for this loan program, applicants must meet a minimum credit score of 660, minimum Debt Service Coverage Ratio (DSCR) of 1.0. and Up to 80% Loan-to-Value (LTV) ratio. Feel free to use this document for your initial review and Letter of Intent (LOI) purposes. Let us know if you require any further adjustments or have specific inquiries. We're here to assist you.

If the property boasts a robust rental income, but the owner's tax returns may not reflect the same strength, utilize the above list of documents as a starting point for the processing. In the case of a new purchase, we require sales contact information and a middle credit score of 660 or higher to qualify for this loan program. A 20-30% down payment is necessary, DSCR of 1.1% or higher, and we offer flexible amortization options ranging from 5 to 30 years. If it is a vacant property or has a very low occupancy rate, we should look at bank statements or bridge loan program options. Any additional documents may enhance the potential for a better loan program or faster approval. Please feel free to contact us with any specific questions or loan scenarios.

SBA loans necessitate a comprehensive documentation process, including complete supporting income, and a credit score of 660 or higher for eligibility. In the case of new purchases, we require sales contact information and stipulate that the business must be owner-operated or exhibit 51% or more owner occupancy. Utilize the provided list of documents as a starting point for your application process. If applying for a construction or renovation loan, additional documentation such as construction permits, budget details, and builder’s information are required. The maximum loan amount is $5 million under SBA loans. Providing supplementary documents may enhance the likelihood of securing a more favorable loan program or expediting the approval process. Feel free to contact us with any specific questions or details regarding your loan scenarios.

USDA B&I loans require a thorough documentation process, including comprehensive proof of income, under USDA geolocation to support local job markets, and a credit score of 660 or higher for eligibility. Begin your application process by referring to the provided list of required documents. If you're seeking a construction or renovation loan, additional documentation such as construction permits, budget details, and builder’s information is mandatory. USDA loans offer a maximum amount of $20 million with up to 80% Loan-to-Value (LTV). Providing supplementary documents can improve your chances of securing a more favorable loan program or expediting the approval process.

Our FHA Commercial loan program is designed for initial review and Letter of Intent (LOI) purposes. It caters to various large-scale projects, including multifamily properties, assisted living facilities, senior housing, mixed-use properties, manufactured home parks, healthcare facilities, major renovations, and new constructions. Loan amounts range from $2 million to $100 million, with no specific limits imposed by the FHA. Thw FHA insured loans typically undergo a thorough approval and funding process, which may take anywhere from 3 to 12 months. To qualify for our FHA Commercial loan program, applicants must meet the following criteria:Minimum credit score of 680.Strong resume demonstrating experience in the industry.85% Loan-to-Value (LTV) or Loan-to-Cost (LTC) requirement.For any specific inquiries or details regarding your loan scenarios, please don't hesitate to contact us. We're here to assist you.

Fannie Mae and Freddie Mac commercial loan programs are tailored to accommodate a diverse range of large-scale projects. These include multifamily properties, green energy initiatives, senior housing, affordable housing developments, student housing complexes, hospitality ventures, healthcare facilities, office spaces, retail properties, industrial sites, self-storage facilities, mixed-use developments, and new constructions. Loan amounts span from $1 million to $100 million, with no specific limits imposed by either Fannie Mae or Freddie Mac. To qualify for our Fannie Mae/Freddie Mac loan programs, applicants need a minimum credit score of 680, strong resume demonstrating experience in the industry, minimum Debt Service Coverage Ratio (DSCR) of 1.30 and 80% Loan-to-Value (LTV) or Loan-to-Cost (LTC) requirement.Feel free to use this document for your initial review and LOI purposes. Let me know if you need any further adjustments.