Rehab & New Construction Loans
Short-term financing to free-up your capital for the renovation or ground-up construction of investment properties.Â
Rehab Loan & Ground Up Construction Loan
LTC Maximum
Standard Rehab Product Overview
Loan Purpose
Purchase and Delayed Financing (purchased with cash in the last 180 days)
Borrower Type
Entity or Individual (see full matrix for details)
Eligible Properties
Residential, Non-owner occupied, Business-purpose only.
Single Family Residences (inc. Condo/PUD), 2-4 Units
Warrantable Condo, Non-Warrantable Condo
Ineligible Project Scope
New or Mid-Construction; Structural Renovations; Properties not structurally sound; Removal of Exterior Walls (including the roof structure); Adding an additional story, detached ADU or additional units; Adding/Subtracting square feet; Conversions; Properties with Extensive Damage (Fire or Water)
Ineligible Properties
Rural (case by case), Multifamily, Mixed-Use, Manufactured, Condotels, Farms, Storage Facilities, Commercial Properties, Land, among others as indicated in guidelines
Project Scope
Experience Minimum
LTC Maximum
LTV Maximum ARV
Minimum FICO
Loan Amount
Non-Structural Improvements
2+ experience required in last three years0
90%
75% (90% LTC limited to 70% LTV)
660
$100,000 Minimum to $3,000,000 Maximum Minimum to $3,000,000 Maximum
Ground Up Construction Product Overview
Loan Type
Purchase and Re-Finance
Asset Type
Residential Non Owner Occupied, Commercial, Mixed Use, Warehouse
Strip Mall, Office Building, Multifamily Apartment Building, Hotel
Shopping Center
Loan Size
$500,000-$150,000,000
Loan Term
12-36 Months Plus Extensions
LTC (Loan to Cost)
Up to 80%
LTV (Loan to Value)
ARV (After Repair Value)
Closing Timeline
Amortization
Minimum FICO
Residency
Up to 80% (Purchase)
Up to 65%
As little as 5 weeks
Interest Only
640
We Lend to Foreign Nationals
Commercial Optimal Ground Up Construction Loans Overview
Loan Amount
$300,000 to $5 million
Minimum Credit Score
650
Advance Rates
LTC (Loan-to-Cost)
Terms
Interest Rates
Closing Time
Property Types
Geographical Coverage
AIV (As-Is Value): Up to 50%
ARV (After Repair Value): Up to 65%
Up to 85%
Customized loan terms based on project needs
Competitive rates starting from [insert rate]%
Fast closings within 10 to 21 days
​Residential, Multifamily, Commercial, Mixed-use
Available in all 50 states