| Experience |
LTV |
LTC |
LTARV |
Bridge |
| 8+ Projects |
90% Purchase + 100% Rehab |
92.5% |
75% |
75% |
| 4–7 Projects |
90% Purchase + 100% Rehab |
92.5% |
75% |
75% |
| 0–3 Projects |
85% Purchase + 100% Rehab |
90% |
70% |
75% |
* LTV reduction applies for credit scores below 720
| GUC – LTC |
Interest |
Points |
| 85% |
9% – 10% |
1.00 – 1.75% |
| 85% |
9.5% – 11% |
1.50 – 2.25% |
| N/A |
10% – 12% |
1.50 – 2.75% |
| Loan Type |
Fee |
| 1–4 Unit Bridge |
$2,000 |
| 1–4 Unit Fix & Flip |
$2,500 |
| 1–4 Unit Construction Loan |
$3,000 |
| 5–20 Unit Bridge / Light Rehab |
$3,500 |
| Portfolio Loan |
$2,000 first property + $500 each additional |
Max Loan Amount
$5,000,000
Closing Timeline
5 – 10 Days
6 months IO + 20% of Rehab Budget
Cash
100% of Value
Stocks / Bonds
50% of Value
Retirement Accounts
50% of Value
Crypto
50% of Value
| Amount |
Max LTV |
| $500,000 |
70%+ |
| $1,500,000 |
65% |
| Unlimited |
50% |
| Units |
LTV / LTC |
| 2 – 4 Units |
85% |
| 5+ Units |
80% *1.125 rate adjustment |
NO Owner Occupied |
NO Non-Revocable Trusts |
NO Rural Properties |
NO 2nd Liens Behind Ours |
NO NV, AZ, OR, ID, VT, ND, SD, HI |
NO Special Use Properties
Personal Guaranty?
Yes — Guarantees are required
Extensions Available?
Yes — Approved extensions available
Land Loans?
Only if construction plans are approved
Draws?
Reimbursement style — Fund Control
Wholesaler?
Yes — Must be approved
Appraisals?
Yes — All loans require appraisals
Other Lender Fees?
No — No other lender fees
Modular Construction?
Case by case; Experience required
Mobile / Manufactured Homes?
No
Loan-to-Cost (LTC)
LTC = TLA ÷ (Purchase Price + Rehab). LTC = TLA ÷ (AIV + Rehab)
Experience
Renovation projects completed within the past 36 months
Liquidity Requirement
Down Payment + Closing Costs + 6mo Interest + 20% Rehab Budget
Wholesale Fee
Lesser of 15% of wholesaler's purchase price, OR — $75,000 fee = amount financed