Fix & Flip Loans
Fix & Flip loans are short-term financing programs designed for investors purchasing properties that require renovations or improvements before resale. These loans help investors acquire distressed or undervalued properties quickly while funding repair costs and construction expenses.
Many real estate investors use Fix & Flip financing to increase property value and generate profits through resale opportunities. Loan terms are typically short-term and structured around project completion timelines.
Bridge Loans
Bridge loans are temporary financing solutions intended to provide quick access to capital before permanent financing is secured. These loans are commonly used for acquisitions, refinancing gaps and transitional real estate projects.
Bridge financing offers flexibility and speed, making it ideal for investors seeking to close quickly on investment opportunities.
LTV (Loan-to-Value)
Loan-to-Value refers to the percentage of a property's value that a lender is willing to finance. For example, a 90% LTV means the lender provides financing equal to 90% of the property's appraised value.
Higher LTV programs can reduce the amount of cash required from borrowers and improve investment leverage opportunities.
Construction Loans
Construction loans are financing programs used to fund ground-up development projects and extensive property renovations. Funds are typically released in stages as construction milestones are completed.
These loans support residential, multifamily and commercial construction opportunities and are structured based on project scope and timelines.
Refinancing
Refinancing replaces an existing loan with a new financing structure designed to improve loan terms, reduce payments or provide cash-out liquidity.
Many investors refinance properties to access equity, stabilize cash flow or transition from short-term financing into long-term solutions.
Debt Consolidation
Debt consolidation combines multiple financial obligations into a single financing structure with one payment schedule. This strategy may help borrowers simplify financial management and improve monthly cash flow.
Consolidation programs are often used by investors and businesses seeking more manageable repayment structures.
Interest Rates
Interest rates represent the percentage charged by lenders on borrowed funds. Our lending programs generally range from 7% to 9% depending on project risk, borrower profile and financing structure.
Origination Points
Origination points are lender fees charged at closing and are typically calculated as a percentage of the loan amount. Our programs generally range from 1 to 2 points depending on the transaction structure.
Points help cover underwriting, processing and administrative costs associated with loan origination.
