Refinance Loans For Investment Properties

Investment Property Refinance Loans

When real estate investors need capital, they can get fast access to funding with private money refinance loans on their existing investment properties. We can loan for renovation or rehab. 

We understand that time is of the essence during refinance situations, so we’ve gone out of our way to make our refinance loans as quick and convenient as possible.

With our private hard money loans, you’ll receive access to the following:

  • Funding in as little as 10 business days

  • No loan payments during the initial term
  • No minimum credit score (property-based approval)
  • 100% financing available

Loan Terms

100% Financing

YES

If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest.

LTV Basis

ARV

Our max loan amount is based on the after repair value, not the current value or purchase price. If the numbers line up, we will fund it.

Maximum LTV

70%

We lend up to 70% of the ARV. We will fund everything but earnest money as long as it fits within 70% of the ARV.

Max Loan Amount

$250K

Our max loan amount is $250,000. For the markets we currently lend in, we’ve found this to be the sweet spot for real estate investing.

Minimum ARV

$70K

Our minimum ARV to lend on a property is $75,000. If it’s less than that there is just not enough profit to make it worth the effort for either party.

Multiple Deals

YES

Yes. We allow you to do 3 deals at a time, enabling you to stay busy and rake in even more profit at a faster pace.

Interest Rate

1.25%/MO

Our interest rates of 1.25 – 1.50% per month fall pretty middle of the road. We are not the cheapest, nor the most expensive, but our 100% financing options allow you to leverage our money.

Origination Points

5.5%

We take on significant risk in offering 100% financing and our points of 5.5% – 6.5% is what keeps us in business.

Max Loan Term

5-MONTHS

The default loan term is set at 5 months, but we do allow up to three 1-month forbearance payments equal to 1.0% of the loan if you need more time.

Monthly Payments

NONE

With no monthly payments during the initial loan term you can focus 100% of your time on rehabbing and selling the property.

Minimum Credit

NONE

None. A bad credit score will affect your points and interest, but because we lend on the property’s after repair value it won’t keep you from getting a loan

Min Cash-to-Close

$0.00

We do not require a down payment on the property. If everything fits in 70% of the ARV you can come to the closing table with $0.00.

Pre-Pay Penalty

NONE

With no pre-payment penalty, fixing and flipping the property in a shorter amount of time can only deepen your pockets.

Required Experience

NONE

Many other lenders either won’t lend to you or will jack up their prices unless you have prior experience, but we’re all making profitable real estate investing accessible to anyone.

Gap Financing

ALLOWED

We allow gap financing in the form of business lines of credit to help with cash-to-close when everything doesn’t fit in 70% of the ARV and we can help you get up to $100,000 in as little as 30 days.

Foreclosure Protection

PROPRIETARY

Nobody else looks out for you like we do. We offer proprietary protection that nearly precludes the possibility of a foreclosure on your records even in the worst-case scenario.

Refinancing Available

AVAILABLE

Yes. With traditional lenders limited to strict loan parameters, we focus on equity over borrower financials. This gives you the liquidity needed for your individual situation.

Full Disclosure

YES

Unlike a lot of other lenders who hide the full cost of the loan until it’s too late… we want you to know what you’re getting into and disclose ALL costs upfront.

Investor Testimonials:

Requirements and Disclaimers:

Although approval for all loans is based primarily on the property itself, other factors play an important role in getting your refinance loan approved. You can review these requirements and disclaimers below:

  • Investment Properties Only: The property cannot be occupied by the owner

  • Single-Family Residences Only: 1-4 unit residential properties

  • Criminal History: We are not able to lend to persons with extensive criminal backgrounds, including drug-related charges

  • Credit Score: Your credit score will not be used to determine loan approval, but it can influence the lending rate.

Have any additional questions? We’re happy to help! You can set up an appointment to speak with us about your lending needs by clicking on this link, or you can give us a call at 801-692-7703. You can also fill out the secure Contact Form here:

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