Equity Based Lending
Private Money Program- Asset Based Lending
• LTV (Loan to Value) up to 70% (75-80% ltv case-by-case)
• Loan Term: 1, 2, 3, 5, and 7 years (10 or 15 yr case-by-case)
• Interest Only or Amortized Over 30 or 40 Years
• Interest Rates: 7.99% to 10.99% Risk Base Pricing, Interest Only Option
• No Prepay Penalties Options
• Cross Collateralize for Maximum Loan Amounts
• Not Fico Based, Bad Fico or No Fico OK
• All Property Conditions Allowed
• All Locations Allowed, Urban, Rural etc.
• Vacant OK Bad Condition All Condition OK
• No Upfront Fees Ever!
• No Citizenship Foreign National OK TIN OK
• Low Pricing Available/Risk-Based Pricing
• Stated Income/Siva/No Doc/Sisa
• No Reserves Needed No Ratio OK
• Programs Allow 100% CLTV (combined loan to value)
• No title seasoning/Next Day Value Ok/Non Recourse Option
• BK Chapter 7,11,13 OK/Debtor in Possession Program
• Old Foreclosures OK, Old Repos OK
• No Net Worth or Liquidity Requirements
• No Appraisal Needed Program, Old Appraisal OK Desk Review OK
​• No Min or Max Loan Amounts
• Close Loan in 7 Days
Eligible Property Types
• Single Family Residence
• Duplex
• Triplex
• Four Plex
• Mobile Home With Foundation
• Modular/Manufactured Home With Foundation
• Town House
• Condo High Rise
• Condo
• Ranch Property
• Farm Property
• Residential on Large Acreage (Any Size)
• Agricultural Property
• Co-op TIC
• Dome House
• Historic Property
• Log Home
• Cabin Home
• Multiple Homes Same Lot
• Non-permitted Structure
• Live Work Property
Eligible Types of Borrowers
• Owner, Non Owner Occupied or Investment
• Sole Proprietorship, LLC or Corporation
• Foreign Nationals
• Visa, Green Card, or None
• Borrowers in Bankruptcy
• Borrowers in Foreclosure or Bailouts
• Owned by Sole Proprietorship, LLC or Corporation
• Borrowers in Probate/Trust
• Trust, Living Trust, Non Revoke
• Attorney in Fact
Eligible Types of Loans
• Owner User, Non Owner Occupied or Investment
• Purchase Money
• Refinance
• Cash out (No Cap)
• Property Listed for Sale
• Foreclosure/Bankruptcy Bailouts
• Mezzanine Debt/2nd- Purchase
• Properties in Probate/Trust
• Mezzanine Debt/2nd- Refinance/Cash Out
• Purchase Plus Construction
• Purchase Plus Rehab
• Refinance Cash Out Plus Construction
• Refinance Cash Out Plus Rehab
Bridge Money Program- Asset Based Lending
• LTV (Loan to Value) up to 80%
• Loan Term: 6 months or 1 Year
• Interest Only Option
• Interest Rates: 9.99% to 11.50% Risk Based
• No Pre-Payment Penalty
• Cross Collateralize for Maximum Loan Amount
• Low Point Options Low Fees
• No Doc, Stated Program
• No Upfront Fees Ever!
• Not Fico Based, No Fico, No Citizenship Needed, TIN OK
• Appraisals Need To Be Approved, Desk or Field Review Needed
• No Reserves Needed No Cltv Option
• No Title Seasoning Needed
• No BK or Foreclosures Last 12 Months
• Down Payment No Seasoning or Gift OK No Liquidity Requirements
• Close Loan 5-7 Days
