Program Overview
Key Features
- Asset-based underwriting
- Close in 5-7 days
- Minimal documentation
- Up to 85% ARV
- Interest-only payments
- No prepayment penalty
Eligible Property Types
- Single Family
- Townhome
- 2-4 Units
- Commercial
Business Purpose Only
Business-purpose loans only. High-interest short-term financing.
Eligibility Requirements
Minimum FICO
Credit score requirement
Maximum LTV
Loan-to-value ratio
Cash Flow Based
No tax returns needed
Program Guidelines
Focus on property value and exit strategy. Experience and reserves required.
Rates & Terms
| LTV | FICO | Rate | Points | Prepayment |
|---|---|---|---|---|
| 75% ARV | 680+ | 12.500% | 3.00 | None |
| 80% ARV | 720+ | 12.750% | 3.50 | None |
| 85% ARV | 760+ | 13.000% | 4.00 | None |
Note: Rates shown are starting rates and may vary based on property type, location, and borrower qualifications. Prepayment penalties apply as shown. Business purpose loans only.
Calculate Your Scenario
DSCR Calculator
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Property Income
Monthly Expenses
Loan Details
Results
Recommendations
- You qualify for our best rates and terms
- Consider higher LTV options up to 80%
Understanding DSCR
≥ 1.25
Strong DSCR. Qualifies for best rates and highest LTV options up to 80%.
1.0 - 1.24
Acceptable DSCR. May qualify with adjusted terms or lower LTV.
0.75 - 0.99
Consider no-ratio DSCR program or property improvements.
Frequently Asked Questions
What's the difference between hard money and private money?
Hard money is institutional lending focused on asset value, while private money comes from individual investors with more flexible terms.
How fast can you close?
We can close hard money loans in as little as 5-7 days with clear title and complete documentation.