Loan Programs

Program: Challenged Credit Commercial Investor Loans
Property Types: Non Owner Occupied Investor 1-4 Units ( SFI, Condo, & 2-4 Units)
Purpose: Purchase & Refinance Cash Out
Loan Amounts: $75,000 – $2,000,000
Rate: 8.5% – 9.75%
Min FICO: No minimum
LTV: Up tp 75%
Term: 1 Year
Other Info: Interest Only Payments, some light renovation allowed

Designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing.
• A higher LTV than hard money options.
• Great for borrowers who need a quick close.
• An interest-only 1-year term provides lower monthly payments.
• Perfect for acquiring or leveraging real estate with deferred maintenance.

Program: 30 Year Fixed Investor Rental Property Loans
Property Types: Non Owner Occupied Investor 1-4, 5+ Units, Condos, Commercial, Mixed-Use
Purpose: Purchase, Rate-Term Refinance, Cash-Out Refinance
Loan Amounts: $75,000 – $5,000,000
Rate: 8.24% – 9.74%
Min FICO: 650 median
LTV: Up to 75%
Term: 30-year term, fixed for 3 years or 8 years
Other Info: add 25 bps for all refinance transactions.

Designed for investors seeking a simple financing solution for purchase or refinance, with
the flexibility to remain in the loan for up to 30 years.
• Great for qualifying W-2 and self-employed investors.
• Based on property value, not personal income.
• Best alternative to hard money loans.
• Available as a 3-year-fixed or 8-year-fixed loan, each amortized over 30 years.

Program: Investor Commercial Mortgage Loans
Property Types: Mixed-Use (Commercial), Office, Retail, Light Industrial, Self-Storage, Warehouse, Automotive, Mobile Home Park, Daycare Center, Restaurant, Bar
Loan Purpose: Purchase, Cash Out, Refinance
Loan Amounts: $250K-$2MM
Rates: 6-9%
Mid FICO: 650
LTV: 60% – 75%
Term: 5-Year and 7-Year, 20, 25, & 30 year Amortization