Hard Money Lenders- Bridge Loans Nationwide- Money Opportunity- Product- services

HELPING YOU WITH SOLUTIONS TO CASH FLOW NEEDS

Fully Amortized Loans 45 Day Closings -Flexible Commercial

Loan Size $1,000,000 - $8,000,000

Location Urban and suburban US properties
Collateral Improved commercial & investment residential real estate
No: raw/improved land, construction, gas stations, car washes, or other environmentally risky properties
Rates Declining Prepayment penalty; 20-25 yr amortization
20 yr loans fixed for 2 yrs, then 3 yrs variable - from 8.25%
20 yr loans fixed for up to 5 yrs - from 9.25%
20 yr loans variable for 5 yrs - from 9.75%
25 yr loans fixed for 10 yrs - from 9.29%
Max LTV Up to 75% LTV, depending on the loan scenario
Based on FIRREA compliant appraisal within past 6 months
Credit Score FICO > 650, with no bankruptcy in past 10 yrs.
Due Diligence A deposit of about $6 - $8k is required before due diligence process is begun and is credited against the third party costs of underwriting: fair marketvalue evaluation fee, inspections, site visit, legal costs, escrow, etc.
Down Payment The fee is due upon signing of the Letter of Intent and Term Sheet and cannot be wrapped into closing costs.
Can be ready to fund in 2 weeks after receipt of these signed documents and due diligence down payment.
Management Owner occupied: Borrower must have experience in the business
Investors: Must have experience in owning/managing similar property

If a purchase: property will be vested in (purchased and held by) a Trust, LLC, or other corporate entity
If a refi: property is already vested in a Trust, LLC, or other corporate entity and if this is a cash-out refi, the funds will be used for business purposes
The loan is at least $500,000. The fair marketvalue of the property is at least $770,000

Blanket Loans / Additional Collateral

In some circumstances, a borrower may own additional real estate. If there is sufficient equity in those properties to generate enough capital to meet Our minimum equity (borrower cash investment) requirements, a client can buy a property without layout cash out of pocket. See the Example Scenario below for how that might work:

Subject Property $1,000,000
Additional Real Estate $2,000,000 (has $800,000 existing mortgage)
Total Collateral $3,000,000
65% Loan1,950,000
Pay off existing mortgage - 800,000
Balance $1,150,000 (enough to buy the subject property and cover closing costs)

Equity Investment Program

The equity investment programprovides real estate investors an unconventional, creative financing alternative to consummate their projects in a timely fashion.

As a joint venture partner, We brings in significant expertise and capital supports to the projects. As a niche player, we service sophisticated industry leaders who require a higher level of service, knowledge, creativity and flexibility than the conventional capital providers. Our experienced real estate professionals are able to quickly identify the value of an investment opportunity whether it is a value creation play, an opportunity buy, or a development project that requires out-of-box thinking.

We make the impossible, possible.

If you are considering Hard Money Commercial Bridge Lending financing for your property, we could provide you with a free, no obligation quote.

Equity Investment Program

The equity investment programprovides real estate investors an unconventional, creative financing alternative to consummate their projects in a timely fashion.

We make the impossible, possible.

Residential Property / Owner Occupied / Apply for a Residential Property Loan

Residential Property / Owner Occupied / Apply for a Residential Property Loan

In general, clients who own their own business, or individual professionals, such as physicians, dentists, etc. may own or wish to buy property that may qualify for a commercial loan. FICO is reviewed, but we do not deny loans based on FICO, bankruptcy or other personal financial history factors. We lend based on the value and equity in the property and the ability of the borrower/guarantor to afford the loan payments now. We make loans that make sense for both the borrower and the lender.

If a purchase: property will be vested in (purchased and held by) a Trust, LLC, or other corporate entity
If a refi: property is already vested in a Trust, LLC, or other corporate entity and if this is a cash-out refi, the funds will be used for business purposes
The loan is at least $500,000. The fair marketvalue of the property is at least $770,000

Our loan program offers many advantageous benefits, suited to your personal business needs:

Super Fast Turn-Around
2 Days for Commitment
As Fast as 30 Days for Closing
Up to 65% Loan-to-Value Ratio
Commercial Property Acquisitions and Refinancing
Development and Construction
Bank Workouts
Bankruptcies & Foreclosures
Loan terms from 1 to 5 years

PREPAYMENT: Loans may be repaid at any time without penalty.

USE OF PROCEEDS: Loans are usually made for business purposes.

LOAN TO VALUE: Up to 65% of the market value of the collateral. Market value is defined as the period of time (4-6 months) needed to consummate a sale to a cash buyer. If loan proceeds are to be used for renovation or construction, the loan amount can be based on improved value. Proceeds will be disbursed in stages.

RATES: Rates vary from 13-19% per annum, interest only.

FACILITATION FEE: In lieu of equity, a fee of 8 to 11% of the loan amount may be included in the loan.

LOAN SIZE: From $1 million to $50 Million

If you are considering Hard Money Commercial Bridge Lending financing for your property, we could provide you with a free, no obligation quote.

Equity Investment Program

Hard Money Commercial Bridge Lending Criteria & Rates/ 65 Day Closings -

10 Week Closings -

Loan Size From $500,000 - most loans fund between $1 and $10 million
Location Urban and suburban US properties
Collateral Improved commercial and investment residential real estate (no raw land or construction/development projects)
WA & CA - residential owner occupied OK. Other states: OK only if held in a corporate entity and proceeds are used for business purposes
Rates From 9.99% - Most loans fund at prime 5-7% plus a couple of points broker points, if applicable
Terms 1-3 years, interest only, no prepayment penalty
Max LTV 65% LTV*
Purchase: Value is actual purchase price of the real estate* If borrower has down 30 % in cash, we'll "stretch" the LTV max
Refinance: Value isour opinion of the appraised value of real estate for refinances. We have our own review appraiser and principle travel to visit each property.
Creative/Flexible Blanket loans; points and fees wrapped into the loan; multiple income sources considered.
Due Diligence A deposit of about $6 - $7k is required before due diligence process is begun and is credited against the third party costs of underwriting: fair market value evaluation fee, inspections, site visit, legal costs, escrow, etc.
Down Payment The fee is due upon signing of the Letter of Intent and Term Sheet and cannot be wrapped into closing costs.

Apartments,

Amusement Parks,
Apartments,
Assisted Living Centers,
Auto Care Centers,
Auto Dealerships,
Bowling Centers,
Car Washes,
Casinos,
Child Care Centers,
Condominiums,
Congregate Care Facility,
Convenience Stores,
Distribution Centers,
Fitness Centers,
Franchises,
Funeral Homes,
Gas Stations, Golf Courses,
Historic,
Hospitals,
Hotels/Motels,
Independent Living Facilities,

Industrial Parks,
Industrial Buildings,
Medical Clinics/Medical Offices,
Mini Warehouses,
Mixed Use Properties,
Mobile Home Parks,
Movie Theaters,
Offices (Multi-Tenant, Single Tenant, Warehouse),
Nursing Homes,
Office Buildings,
Outlet Centers,
Parking Garage,
Malls,
Rehabilitation Facilities,
Resort,
Restaurants,
Retail (Anchored, Single Tenant, Unanchored),
Single Family, Skilled Nursing Facility,
Special Purpose Property,
Time Share,
Truck Stop