Hard Money Ryan

to 5 year Terms
No PPP

Equity Line of Credit

Used for SFR investors who want to leverage owned properties. California only. SFR 1-4 units. LTV Max - 60%
Loan Max - $10,000,000 (Ten Million)
Points - 4.5pts - 6pts
Interest Rate - 8.9% - 9.3%
Interest Only up to 1 year Terms. Extensions Available
No PPP
Construction and Land Loans: Email Scenario


Assets & Funding

When seeking a Private Money Lender, your biggest concern needs to be the lenders motivation. With the "Loan to Own" mentality, lenders are not in the market to help the borrower be successful in obtaining an assets or property for profit. Our main concern is the ability to pay the loan back with a proven and dynamic Exit Strategy. The Asset being pledged is also very important and the condition in which it's in. Even if it's not in the greatest shape, we will use our expertise to help accomplish the borrowers/investors overall goal. When underwriting the file, we will determine the points and fees based on the overall scenario. With that being the case, our rates and fees will always be aggressive and most likely the lowest you'll find. The reason for this, we want the borrower/investor to have the ability to accomplish a larger profit and provide more equity room if needed to resale or refinance. We want to execute money and watch is come back. With No PPP this helps the spread/ROI for the borrower and allows them to pay the loan off whenever they want within the secured term of the loan without a loss. Underwriting turn times are 72 hours or less. Stated - Verified Asset Programs only. We order appraisal. Other appraisals will be looked at but not used when underwriting. This is crucial on ARV scenarios. Escrow, Title and inspector are a non issue. Credit Criteria - BK History and low fico ok
No VOE
No VOR
No VOM
No VOD
3 Months Asset Statements
Mortgage Statement
Home Owners Ins. Property Tax Bill
Purchase Agreement
Escrow Instructions
Prelim
Copy of SSC & CDL
Corporation or LLC documents
Investment properties preferred
Multiple properties ok
Current Photos of asset