Real Estate Investing

A Product Guide

(or keep reading below)

Real Estate Investing

Real estate investing is a wealth-building strategy that involves purchasing, owning, and managing properties with the goal of generating income and capital appreciation.

Real estate offers potential advantages such as steady rental income, tax benefits, and portfolio diversification. Successful investors conduct in-depth market research, assess property values and potential returns, and manage properties efficiently. They may also utilize advantageous financing options to optimize their investments.

This guide will outline different commercial real estate (CRE) investment products to help you make informed decisions that align with your investment goals and real estate strategy.

Real Estate Loan Programs

Our Real Estate loan programs have been developed to suit multiple investing strategies. At a glance, we offer:

Fix & Flip Loans:

  • Up to 85% LTV

  • 100% of rehab costs

  • 12 to 18 month term

  • 10.24% – 10.74% rate

  • Min. 620 FICO

New Construction:

  • Up to 75% LTV

  • 12 to 18 month term

  • 10.24% – 10.74% rate

  • Min. 620 FICO

Interest-Only Loans:

  • Up to 75% LTV

  • Up to 10 year interest-only term

  • 25 year amortization

  • 9.00% – 13.00% rate

  • Min. 600 FICO

Long-term Loans:

  • Up to 80% LTV

  • 30 year term

  • 6.49% – 13.00% rate

  • Min. 620 FICO

Short-term Loans:

  • Up to 80% LTV

  • 12 to 18 month term

  • 9.00% – 13.00% rate

  • Min. 620 FICO

Fix & Flip Loans

The best short-term solution for acquiring and improving property value. Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV):

Loan Amount: $50,000 - $15,000,000

Term: 12 months (with option for 6 month extension)

Loan-To-Value: Up to 85% (depending on experience and property type)

Rates: 10.24% to 10.74%

Credit Score: Minimum 620 FICO

Investors and developers with experience under their belt are generally considered less “risky” by lenders and can access higher LTV for for the same fix & flip project:

New Investor

Completed up to 2 flips or owned up to 2 rentals in the last 3 years:

  • Up to 80% of purchase price.

  • Up to 100% of the renovation costs (not to exceed 65% of the After-Repair Value).

Intermediate Investor

Completed 3 to 10 flips or owned up to 3 to 10 rentals in the last 3 years:

  • Up to 85% of purchase price.

  • Up to 100% of the renovation costs (not to exceed 70% of the After-Repair Value).

Experienced Investor

Owned 10 or more investment properties (flips and/or rentals) in the last 3 years:

  • Up to 85% of purchase price.

  • Up to 100% of the renovation costs (not to exceed 70% of the After-Repair Value).

Interest-Only Loans

We customize loans to meet the individual needs of each investor. Our interest-only (I/O) products are designed for real estate investors seeking lower payments and fixed rates.:

Loan Amount: $75,000 - $5,000,000

Term: Up to 10 year I/O; or 24 month I/O with no prepayment penalty)

Loan-To-Value: Up to 75% (depending on credit score and property type)

Rates: 9.00% to 13.00%

Credit Score: Minimum 600 FICO

Investors and developers with higher FICO scores are generally considered less “risky” by lenders and can access higher LTV and lower rates. We have 2 interest-only options:

24-month term interest-only loan:

Tier 1

  • FICO ≥ 725

  • Purchase:

    • Rate: 10.74%

    • LTV: 75%

  • Refinance:

    • Rate: 11.50%

    • LTV: 75%

Tier 2

  • FICO: 700 to 725

  • Purchase:

    • Rate: 11.00%

    • LTV: 75%

  • Refinance:

    • Rate: 11.74%

    • LTV: 75%

Tier 3

  • FICO: 675 to 699

  • Purchase:

    • Rate: 12.00%

    • LTV: 75%

  • Refinance:

    • Rate: 12.74%

    • LTV: 75%

30-year term loan (10 year interest-only):

Tier 1

  • FICO ≥ 750

  • Single-Family:

    • Rate: 9.74%

    • LTV: 75%

  • Multi-Family:

    • Rate: 9.99%

    • LTV: 75%

  • Commercial:

    • Rate: 10.74%

    • LTV: 75%

Tier 2

  • FICO: 700 to 749

  • Single-Family:

    • Rate: 9.99%

    • LTV: 75%

  • Multi-Family:

    • Rate: 10.99%

    • LTV: 75%

  • Commercial:

    • Rate: 11.49%

    • LTV: 75%

Tier 3

  • FICO ≥ 650

  • Single-Family:

    • Rate: 10.74%

    • LTV: 70%

  • Multi-Family:

    • Rate: 11.74%

    • LTV: 70%

  • Commercial:

    • Rate: 12.24%

    • LTV: 70%

New Construction

Loans for ground-up construction are available for non-owner occupied 1-4 family properties, condos, townhomes, and apartment buildings.

Loan Amount: $100,000 - $2,000,000

Term: 12, 18, or 24 months

Loan-To-Value: Up to 75% (depending on credit score and property type)

Rates: Starting at 10.99%

Credit Score: Minimum 650 FICO

Investors and developers with experience under their belt are generally considered less “risky” by lenders and can access higher LTVs, assuming entitlements, permits, and approved plans.

Tier 1

Completed 10+ ground-up construction projects:

  • Initial Loan Amount:

    • Max LTV: Up to 75% of the As-Is Value

    • Max. LTC*: Up to 80% of the As-Is Value

  • Max. Loan Amount:

    • Max ARV: Up to 75% of the ARV

    • Total. LTC: Up to 90% of total LTC.

Tier 2

Completed 10+ real estate transactions that include renovations:

  • Initial Loan Amount:

    • Max LTV: Up to 75% of the As-Is Value

    • Max. LTC*: Up to 75% of the As-Is Value

  • Max. Loan Amount:

    • Max ARV: Up to 70% of the ARV

    • Total. LTC: Up to 85% of total LTC.

Tier 3

Completed 3+ real estate transactions; 1+ must be a heavy renovation:

  • Initial Loan Amount:

    • Max LTV: Up to 70% of the As-Is Value

    • Max. LTC*: Up to 72.5% of the As-Is Value

  • Max. Loan Amount:

    • Max ARV: Up to 65% of the ARV

    • Total. LTC: Up to 85% of total LTC.

Tier 4

New customer with no prior experience:

  • Initial Loan Amount:

    • Max LTV: Up to 70% of the As-Is Value

    • Max. LTC*: Up to 70% of the As-Is Value

  • Max. Loan Amount:

    • Max ARV: Up to 65% of the ARV

    • Total. LTC: Up to 82.5% of total LTC.

*Loan-to-Cost (LTC) refers to how much of the total cost of a real estate project is being covered by a loan.

Long-Term Loans

Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment. Applies to non-owner occupied 1-4 family real estate, condos and townhomes.

Loan Amount: $65,000 - $5,000,000

Term: 30 years

Loan-To-Value: Up to 80% (depending on credit score and property type)

Rates: Starting at 6.49% for 1-4 family properties

Credit Score: Minimum 600 FICO

Short-Term Loans

Stabilized bridge programs can be a helpful tool for those looking to buy a new home before selling their current one. Can be used for a purchase, refinance, or cash-out.

Loan Amount: $50,000 - $10,000,000

Term: 12 to 18 months

Loan-To-Value: Up to 75% (depending on credit score and property type)

Rates: Starting at 9.00% for 1-4 family properties

Credit Score: Minimum 620 FICO

Notes & Disclaimers

*The quoted interest rates provided are for informational purposes only and may not reflect the actual rates available to individual borrowers. Actual interest rates may vary based on several factors, including creditworthiness, loan amount, term, and lender policies.

The information provided about financial products is for informational purposes only and should not be considered financial advice. It does not constitute an offer, endorsement, or recommendation of any specific product or service.

Before making any financial decisions, carefully consider your individual financial situation and goals, and/or consult with qualified financial professionals and conduct your own research to assess the suitability and risks associated with any financial product or investment and ensure that it aligns with your financial needs, capacity, and goals.