Rehab | Residential | Commercial Funding

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 Purchase and Rehab (12 month) Fix and Flip Program:
Loan Amount: $75k-$3M
LTV of Purchase price: up to 75% for new investors to 90% LTV for experienced investors
LTC of Rehab amount: 100%
Max Loan to ARV:  up to 75%
Minimum As-Is Appraised Value: $50k
Collateral: Non-owner Occupied 1-4 Family Residential Properties; Warrantable Condos; Townhomes, Planned Unit Developments (PUDs)
Term: 12 months
Rate: Starting at 10.99%
Points: Vary based on loan amount
Credit Score: 660 Minimum
No pre-payment penalty
No Asset Documentation option available 

call Jeff LaVigne 678.770.5046

 Ground-Up Construction Residential 1-4 units (GUC):
Loan Amount: $150k-$5M
LTC: 70-90% 
Build Cost: Up to 100%
Max Loan to Completed Value: up to 75%
Collateral: Residential 1-4 units
Term: 12-18 months
Rate: Starting at 11.49%
Points: Vary based on loan amount
Credit Score: 680 Minimum
No Prior GUC Experience Required
No pre-payment penalty 

call Jeff LaVigne 678.770.5046

 Long-Term (30 yr Fixed) Rental Loan Program:
Loan Amount: $75k-$3M
Minimum As-Is Appraised Value: $100k
Collateral: Non-owner Occupied 1-4 Family Residential Properties; Warrantable Condos; Townhomes; Planned Unit Developments (PUDs) must be rented on long term lease. 
Vacation Rental Properties: AirBnB or Seasonal rental property
Term: 30 Years, Fully Amortized
Purchase: Up to 80% LTV
Refinance: Up to 75% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
Rate: Starting at 6.25%
Points: Vary based on loan amount
Credit Score: 660 Minimum
Programs: 30yr Fixed, 3/1, 5/1, 7/1, 10/1 ARM and Interest Only
Prepayment Penalty: 1yr to 5yr Year declining options (1,2,3,4,5%)
Borrower Liquidity: 9 PITI Months Reserves

NEW PROGRAM OPTIONS:   
Interest Only Options: 5yr, 7yr, 10yr I/O 30yr amortization - Lower Rates
Pre-pay Option:  5yr 5% Flat PPP - Reduced Rates 

 Commercial Apartments Purchase and Rehab (12-18 month) Program:
Loan Amount: $250k-$5M
LTV of Purchase price: up to 80%
LTC of Rehab amount: 100%
Max Loan to ARV: up to 70%
Minimum As-Is Appraised Value: $250k
Collateral: Commercial apartments 5+, Mixed use with Apartments, Condo Conversions
Term: 12-18 months
Rate: Starting at 10.99%
Points: Vary based on loan amount
Credit Score: 680 Minimum
No pre-payment penalty 

call Jeff LaVigne 678.770.5046

 Commercial Apartments 5-10 Units (30yr Fixed):
Loan Amount: $250k-$5M
LTV of Purchase price: up to 75%
LTV Rate and Term refinance: up to 75%
LTV Cash out Refinance: up to 70%
Minimum As-Is Appraised Value: $250k
Collateral: Commercial apartments 5-9 units
Rate: Starting at 7.25%
Points: Vary based on loan amount
Term: 30yr Fixed, 5/1, 7/1, 10/1 ARM and Interest only options
Credit Score: 680 Minimum
Prepayment Penalty: 1yr to 5yr Year declining options (5,4,3,2,1%) 

  Mixed Use Purchase and Rehab (12-18 month) Program:
Loan Amount: $250k-$5M
LTV of Purchase price: up to 80%
LTC of Rehab amount: 100%
Max Loan to ARV: up to 70%
Minimum As-Is Appraised Value: $250k
Collateral: Commercial apartments 5+, Mixed use with Apartments, Condo Conversions
Term: 12-18 months
Rate: Starting at 10.99%
Points: Vary based on loan amount
Credit Score: 680 Minimum
No pre-payment penalty 

call Jeff LaVigne 678.770.5046

Small Balance DSCR Loan offers a powerful financing solution tailored for single family residences (1-4 units) and select multifamily properties. Focusing on the property’s income-generating potential rather than the borrower’s personal income, this loan is ideal for investors seeking flexible, cash flow-based financing across various property types, including mixed-use (over 50% residential), industrial, retail, self-storage, automotive, and assisted living.

With loan amounts up to $5 million, this program provides both fixed terms (ranging from 5-to-30 years with 25-30 year amortization) and adjustable-rate options with interest-only terms from 5-to-10 years. DSCR requirements begin at 1.00 to 1.25x, allowing borrowers to leverage a range of financing solutions that align with their investment goals. Interest rates are competitive with flexible prepayment options available. 

The Small Balance DSCR Loan empowers investors to maximize their real estate portfolio’s value with long-term stability and a streamlined approval process that eliminates the need for traditional income verification. Whether you’re financing a purchase, cash-out refinance, or rate-and-term refinance, this program provides the flexibility, support, and predictability needed.

Our Small Balance and Large Balance Permanent Loans offer flexible, income-focused financing solutions for real estate investors. The Small Balance DSCR Loan provides up to $5 million for single family residences and select multifamily properties with minimal income verification, while the Large Balance CMBS Loan delivers long-term, fixed-rate options up to $500 million for high-value commercial assets. 

Get A Quote Today!

Jeff LaVigne 678.770.5046

 Large Balance CMBS Loan provides robust, long-term financing for owners and developers of multifamily, industrial, retail, self-storage, and hotel properties. Ideal for large scale transactions ranging from $20 million to $500 million, these loans offer fixed-rate terms of 5, 7, 10, or 15 years with 25-30 year amortization options. With a maximum LTV of 70% and highly competitive interest rates, our  Large Balance CMBS Loan allows borrowers to lock in low fixed payments for extended periods. This program is ideal for real estate professionals seeking stability and cost predictability for high-value commercial properties. 

• GA | Gas Station | Loan Amount: $6,400,000
• WA| Bridge Loan Medical Office | Loan Amount: $4,400,000
• CA | 4 Unit SFR | Loan Amount: $1,290,000
• CA | 61 Unit Multifamily | Loan Amount: $5,500,000
• CA | 13 Unit Multifamily | Loan Amount: $2,100,000
• AZ| Bridge Commercial| Loan Amount: $3,000,000

Jeff LaVigne 678.770.5046

 *CA | Multifamily Property | Loan Amount: $1,800,000

• UT | Multifamily Property | Loan Amount: $7,500,000
• CA | Multifamily Property | Loan Amount: $2,362,500
• NV | 102 Unit Multifamily | Loan Amount: $54,300,000
• OR | Commercial Bridge | Loan Amount: $6,500,000
• FL| Luxury SFR | Loan Amount: $1,500,000

Jeff LaVigne 678.770.5046