Programs Consumer Loans Investor Loans Commercial Loans Fix n' Flip Loans Consumer Loans are loans for borrowers who need funding for the purchase or refinance of the property where they are going to sleep at night, their Primary Residence. Based on my current CA license I am only able to assist borrowers in CA for these type of loans. Min FICO Score – 550 LTV as high as 95% w/Full Income Documentation Full Income Doc - W-2’s & Paystub, 1040’s Alt Income Doc - 12- or 24-months bank statements Borrower Prepared P&L’s Asset Depletion Program SFR, Condo, Townhouse and 2 – 4 Units Terms – 30 years variable or fixed No Prepayment Penalties allowed Min Loan - $100K / Max Loan $20M *Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario Investor Loans are loans for borrowers who need funding for the purchase or refinance of properties they own for investment purposes only and they DO NOT occupy the property in any way. I can assist borrowers in all states for these type of loans. Min FICO Score – 550 (Certain states 600) LTV as high as 80% No Income Documentation required Verified or Estimated Rental Income Terms - 12 months up to 30 years SFR, Condo, Townhouse and 2 – 4 Units Must be current on all mortgages w/no 60 day lates PPP may apply depending on term of loan Min Loan - $100K / Max Loan $20M *Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario Commercial Loans are loans for borrowers who need funding for the purchase or refinance of commercial properties i.e. Office Bldg; Warehouse; Retail Shopping; Multi Family Apartment Bldg. I can assist borrowers in all states for these type of loans. Min FICO Score – 620 LTV as high as 75% No Personal Income Documentation required Verified or Estimated Rental Income 4 months of Cash Reserves required Terms - 24 months up to 30 years Must be current on all mortgages w/no 60 day lates PPP may apply depending on term of loan Min Loan - $100K / Max Loan $30M *Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario Fix n' Flip Loans are short term bridge loans for the acquisition and rehab (or ground up construction) of Residential and Commercial properties. Borrowers must have an exit plan in place either resale of the property or take out financing. I can assist borrowers in all states for these type of loans. Min FICO Score – 580 LTV as high as 75% of purchase and 100% of Rehab Budget No Personal Income Documentation required 4 months of Cash Reserves required Terms – 12 to 24 months (Extensions available) Previous Experience preferred Min Loan - $100K / Max Loan $75M *Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario

Programs

Consumer Loans

are loans for borrowers who need funding for the purchase or refinance of the property where they are going to sleep at night, their Primary Residence. Based on my current CA license I am only able to assist borrowers in CA for these type of loans.
  • Min FICO Score – 550
  • LTV as high as 95% w/Full Income Documentation
  • Full Income Doc - W-2’s & Paystub, 1040’s
  • Alt Income Doc - 12- or 24-months bank statements
  • Borrower Prepared P&L’s
  • Asset Depletion Program
  • SFR, Condo, Townhouse and 2 – 4 Units
  • Terms – 30 years variable or fixed
  • No Prepayment Penalties allowed
  • Min Loan - $100K / Max Loan $20M

*Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario

Investor Loans

are loans for borrowers who need funding for the purchase or refinance of properties they own for investment purposes only and they DO NOT occupy the property in any way. I can assist borrowers in all states for these type of loans.
  • Min FICO Score – 550 (Certain states 600)
  • LTV as high as 80%
  • No Income Documentation required
  • Verified or Estimated Rental Income
  • Terms - 12 months up to 30 years
  • SFR, Condo, Townhouse and 2 – 4 Units
  • Must be current on all mortgages w/no 60 day lates
  • PPP may apply depending on term of loan
  • Min Loan - $100K / Max Loan $20M

*Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario

Commercial Loans

are loans for borrowers who need funding for the purchase or refinance of commercial properties i.e. Office Bldg; Warehouse; Retail Shopping; Multi Family Apartment Bldg. I can assist borrowers in all states for these type of loans.
  • Min FICO Score – 620
  • LTV as high as 75%
  • No Personal Income Documentation required
  • Verified or Estimated Rental Income
  • 4 months of Cash Reserves required
  • Terms - 24 months up to 30 years
  • Must be current on all mortgages w/no 60 day lates
  • PPP may apply depending on term of loan
  • Min Loan - $100K / Max Loan $30M

*Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario

Fix n' Flip Loans

are short term bridge loans for the acquisition and rehab (or ground up construction) of Residential and Commercial properties. Borrowers must have an exit plan in place either resale of the property or take out financing. I can assist borrowers in all states for these type of loans.
  • Min FICO Score – 580
  • LTV as high as 75% of purchase and 100% of Rehab Budget
  • No Personal Income Documentation required
  • 4 months of Cash Reserves required
  • Terms – 12 to 24 months (Extensions available)
  • Previous Experience preferred
  • Min Loan - $100K / Max Loan $75M

*Origination fees, Appraisal fees, Underwriting fees, Interest rate all depend on the scenario