Programs Overview

Acquisition I Refinance I Rehab I Construction

Residential

Button

Commercial

Renovation & Construction

Purpose

Acquisition

Refinance

Cash Out

No Seasoning Refi

Rehab & Construction

No Commercial Construction - 1-4's only

Loan Size

$50k - $3.5M Resi

$500k - $10M Multi Family & Mixed Use

$100k - $5M Comm

Term

12, 18, 24 mo Bridge

5, 7, 10, 30 yr Fixed

Asset Types

Residential, Mixed Use MultiFamily (5- 10 units DSCR/ 5-50 units Bridge), Portfolios, Commercial Office, Retail, Warehouse, Self Storage & Automotive,

Service Area

Nationwide except MN, ND, OR, VT, UT, NV, AZ, ID, LA

Prepayment

0 Bridge

3 - 5 yrs Term Loans

Rates

Flexible Pricing

Quoted Daily

Fixed & Interest Only

Commercial Rates from 7.99% Fixed

*Subject to daily rate changes if not locked

Closing Time

10 - 15 business days

up to 30 Commercial

*REI focuses on loans that close in 30 days or less

Mid FICO

640 Rehab

660 Rentals or Bridge

680 Construction

660 Commercial

NO FICO if less then 50% LTV - Res/Comm

Experience

Rentals 0

Rehabs 0 - 2

Construction 3 - 5

Within last 3 yrs

Amortization

Fully Amortizing &

Interest Only Bridge

LTV/LTC

80% Purchase & Refi

75% Cash Out

85% - 90% FNF & GUC

100% Rehab Funds