Houses

Residential Investment Properties

Our Mission: We help investors buy and improve residential investment property for re-sale or long term rental.

We offer Credit-Based and Non-Credit-Based lending.

Non-Credit-Based lending is more expensive money but offers options to more investors.  Regardless of the borrower’s scores we can fund the project but we’ll be looking for the borrower to have money in the deal with us.  Get an overview of the process in our Process For Hard Money Loans, then submit your deal using  The Hard Money Questionnaire to get started.

Credit-Based-Lending can we fund the whole project.  100%.  Purchase and Rehab money included.  Even closing costs.

Try our quick qualifying tool now

We do this because its our business and we are good at it.  We can’t work with everyone.  We look for the investors who know what they are doing, who are active and will be rehabbing property after property and who have a solid financial footing.

Rates

We offer very reasonable hard money rates, including some of the lowest 100% financing for acquisition and rehab you’ll find.

Do you meet our criteria?  Let’s find out!

Our Criteria

Our criteria defines our business and who we work with.  We are determined to find investors who make a good match.  We hope you are the one.  Our criteria is based on what banks are looking for to get you re-financed out of our programs.  We want you to succeed!  If you can’t get financed out then the entire project hangs on whether the property will sell…and we want you to have several exit strategies.

Try our quick qualifying tool now

We are seeking investors who have:

• 680+ Credit Score

• Proven Income. A W-2 job works fine.  We also work with the self-employed with demonstrated income

• Reasonable Debt Levels. We’re looking for a Debt-to-Income Ratio of less than 45%.  Basically, every month you need to make twice as much as your debt payments
• Additional Collateral. Hey, we are willing to put up ALL of the money for this project.  We need to know that you are in the boat with us.  You can choose one of the following but lean toward the first one:
  • A Lien on your personal residence (You must own your home)
  • 20% cash into the deal
  • Sometimes we will just charge a higher interest rate

• Documentation. We want to know your financial life for the last 2-3 years.  We’ll need to see:
  • IRS Tax Returns (all schedules) for two years
  • Bank statements for last two months (personal and business)
  • Pay stubs for borrower and spouse
  • Our questionnaire and forms filled out
• Keep it Simple. We prefer to avoid Partnerships, Corporations, Trusts, Complex LLCs.  They only complicate the re-financing process and our understanding of your financial picture.  Let’s do the project, then you can move it into your LLC after you re-finance.

Are you an investor for us?

Use our Quick Qualifying Tool to Get Started Now!

Contact us!

Call us or email us and let’s get started today!

phone:  (314) 729.7858