Can I really get a loan with no employment or income?

Answer: Yes, our loans are asset based loans, meaning we base the loan approval on the cash flow of the property, not the owners income or employment.

Can I close in an LLC, or Entity?

Answer: Yes, title can be vested in the name of an Entity that you control.

What if I have a lot of debt

Answer: No problem- There is no debt-to-income ratio programs available

What if my credit score is not perfect?

Answer: We are fortunate to offer loan programs to people with great credit, less than perfect credit, and even people who have had a recent bankruptcy or credit speedbump.

Can I get cash out?

Answer: Yes, the equity in your property is your money, and we will put it in your hands.

Do you offer portfolio loans?

Answer: Yes, we offer portfolio loans where multiple properties can be combined into one loan.

Do you offer renovation or fix and flip loans?

Answer: Yes, we specialize in renovation loans for rental properties, multi-family, and commercial properties.

Do you lend to foreign nationals?

Answer: Yes, we have programs for foreign nationals, permanent resident aliens, and people who are ex-patriots

How fast can you close?

Answer: We can close a loan in as few as 7 days, but it is dependent on the property, location, and whether or not an appraisal is required.

Do you offer ground-up construction?

Answer: Yes, we offer ground-up construction for single family investment properties, and commercial projects from $300k to $250 Million, If there is a land purchase involved we require plans, bid, draw schedule, and permits to be in place before closing.

Do you lend on short-term rentals?

Answer: Yes, we are fortunate to be one of the few investors in the country that have loan programs specifically for short term rentals like AirBnB, and VRBO. Instead of using traditional rent com parables, we use Air DNA that provides rent comparable for every property in the United States.

What is the length of your loan programs?

Answer: We offer both bridge, or short-term loans, and long-term loans for 30 or 40 year amortization.

Do you offer interest-only options?

Answer: Yes, many of the investors we serve like having interest-only because if increases their cashflow and allows them to qualify for a higher loan amount.

How long do I have to own a property to refinance using the appraised value?

Answer: We are fortunate to offer a cash out refinance using the appraised value once you have been on title for 30 days.

Do you offer SBA Loans?

Answer: Yes, we offer several variations of the SBA program. Please call us for details.

Do your loans report to the credit reporting agencies?

Answer: Sometimes they do, but it depends on the investor that is funding the loan. Your credit report is complied of consumer debt, Since we are commercial lending and provide business purpose loans, many times they do not appear on your credit report or incumber your consumer ability to borrow.

What kind of properties do you lend on?

Answer: We lend on single family, duplex, triplex, fourplex, multi-family, light industrial, warehouse, office, self-storage, bars, restaurants, hotel, and senior living facilities.

Why would someone get a commercial loan instead of a traditional mortgage?

Answer: People choose commercial loans over traditional mortgages for rental homes because they do not appear on the credit report and cloud their ability to borrower for their consumer needs, there’s no proof of income or employment, of government interferences.