Asset Based Loan Programs

• Loan Size - $3M to $50M 
• Purpose - Purchase, Refinance, Rehab & Construction, DSCR 
• Collateral - SFR, Townhouse, Condo, and 2-4 Units
• FICO - 660+ 
• Lending Area - CA,FL, HI (Nationwide case by case) 
• Term - 12 mo - 30 yrs 
• DSCR - to 75% LTV
• Bridge to Rehab - to 95% LTC / 80% ARV
• Bridge to Sale - to 80% ARV
• Construction - to 90% LTC 
• Closing - as little as 3 days 
• No Prepayment Penalties 
• Appraisals required for all loans, post appraisals OK for quick close loans
• Investor Only, Foreign Nationals OK 
• Experience - 5+ recent for Constrcution and Rehabs, must be similar projects  and have been on title as owner, no exceptions

• UP TO 100% Financing - PLEASE NOTE -NOT ALL LOANS WILL QUALIFY based on ARV, actual may be anywhere from 96%-99% LTARV
• 100% of 1st if LTARV is 66% or less
• 100% of Down Payment in a 2nd Lien up to $150k
• Loan Size - $250k - $2,000,000 + 
• EMD paid can be credited towards Closing Costs and/or refunded, whatever is remaining
• 100% Rehab & Construction Funds
• 100% Deferred Payments
• 100% of Origination Points Rolled into the Loan
• Soft Credit Pull 
• Construction Loan Experience-  Min 4 Projects completed in the past 5 years OR Credit given if you have a GC License (2 credits), Provide Permits you pulled as a GC (1 credit per permit), have rentals or completed rehabs 
• Rehab Experience as little as 0 completed - reduced leverage may apply
• Experience - means you bought/owned the property you rehabbed, built then sold or rented or were on title as a partner
• Min FICO 680  mid Score / Credit Partner OK if needed 
• Non Dutch Interest
• Close in as little as 10-20 business days
• Min Property Value for Land $75k 
• Permits required before underwriting for any construction or additions
• 12 mo terms
• 10 - 15% of budget liquidity required to show  with a recent bank statement 

Preferred Markets 

AL,AR,AZ,CA,CO,CT,DC,DE,FL,GA,IL

IN,KS,MA,MD,MO,MN,NC,NH,NJ,NV

OH,OK,PA,RI,SC,TN,TX,UT,VA,WA,WI

• NO FICO 
• NO APPRAISALS
• NO DSCR 
• NO PPP'S
• Loans from $250k to $10m 
• Nationwide Residential and Commercial 

• No Seasoning
• Residential SFR, 2-4's
• Great for completed rehabs & homes listed for sale
• Purchase, Refinance, Cash Out
• LTVs to 80% 
• 12 & 24 mo terms
• Prepayment Penalty - None for 1 yr term, 1 yr for 2 yr term
• Loan Amounts 250k to $5m
• FICO min 620
• No DSCR 
• Appraisls required
• Nationwide

• MIN FICO  680
• Up to 75% LTC 
• Loan Size  $250k - $2.5M 
• 6-18 Month terms
• 11-11.75% 
• Subject to 65% Loan to ARV
• 50-60% Max on land value (Subject to LTC restrictions)
• Experienced GC required for no experience borrowers
• GC will be required to provide 3 recent Certificates of Occupancy on recent, similar new builds (no remodels or renovations allowed)
• GC Review required

• No Minimum FICO, Soft Credit Pull
• No Income Verification
• No 3rd Party Appraisals 
• Purchase, Refinance, Cash Out
• Rehab, Construction, Rentals 
• Loan Amounts $250k - $5M
• Residential, Commercial
• Cannabis Loan to $10M (Dispensary, Manufacturing, Cultivation) 
• Loan Term 12 mo (extension option)
• Rates from 9.99% I/O 
• Prepayment Penalty 6 mo
• Origination Fee 3 - 4% 
• LTV up to 65% 1st Position 
• Closing in as little as 5 days
• Defaults, foreclosure bail-outs & bankruptcies OK
• No Rural Properties