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Real Estate Investor Loans
Commercial Loans
Loans for commercial properties like retail stores, office buildings, self-storage, warehouses, hospitality, auto-repair shops
Fix & Flip Loans
Loans to purchase a property, rehab it, and then re-sell it
Rental Loans
Loans to purchase, refinance or cash-out refinance individual rental properties, as well as portfolios
Multi-Family Loans
Loans to purchase or refinance and rehab a multi-family real estate property (5 or more units)
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Financing Solutions for Residential Investment and Commercial Properties Include
RESIDENTIAL HARD MONEY FIX AND FLIP
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 avialabe
RESIDENTIAL GROUND UP CONSTRUCTION
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
RESIDENTIAL GROUND UP CONSTRUCTION
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 PURCHASE & REHAB FOR MIXED USE OR APARTMENT BUILDINGS
Commercial Apartments & 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
COMMERCIAL APARTMENT LONG TERM 30yr LOANS
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%)
(224) 479-1455
info@primegrowthfunds.com
