Commercial & Residential Property Loans
Hard Money and Private Money

*LOAN PROGRAMS ARE BEING UPDATED. SOME PROGRAMS HAVE CHANGED OR NO LONGER AVAILABLE. PLEASE INQUIRE HERE.

+ California: Bridge Loan 1

First Trust Deeds only
Types of Properties:
Apartments, non-owner occupied houses, industrial, commercial and special purpose properties
Location:
California only
Loan Amounts:
Typically from $250,000 to $12,500,000
Interest Rates:
7.9% to 9.9% interest only
Loan Maturities:
12 months with extensions available
Loan to Value:
Up to 60%
Closing Costs:
Standard third party costs such as title and escrow
Code: LbridgeOFCA

+ California: Land Loan

Loan Parameters for Land Financing land financing for individuals, developers and corporate entities.

• Term: 1-3 Years
• Lending Area: CA / Nationwide, Prefer Metro or Coastal Areas
• Zoning Type: All Considered
• Entitled Land Preferred: Will Consider Raw, Case by Case
• Loan Size: $50,000 to $50,000,000+ 1st Trust Deed
• Interest Rates: 10%-14% (Influenced by Location and LTV)
• Amortization: Interest Only
• Loan to Value: Up to 50%
• Origination Fee: 3%-6% Taken at Closing From Loan Proceeds
• Up-front Fees: None Unless Appraisal is Needed
• Closing: Close in As Quick as 7 Business Days

Code:BL2013Rlnd

+ California: Construction Loans

ALL TYPES OF BORROWERS

Individuals, Corporations, LLC's, Foreign Nationals

Spec Construction

Non-FICO driven. Decisions based on the quality of the project

REALISTIC CONSTRUCTION PERIODS

No prepayment penalties

Refinance, or Sell the property at your leisure

FLEXIBLE DISBURSAL SCHEDULES

Fast payments for completed line items

LOANS FOR BUSINESS OR INVESTMENT PURPOSES ONLY
Loan Amounts: Up to $6,000,000
Interest Rates:9.99%
Loan to cost:Typically between 60 and 65% (LTC)
Loan to Value:50 to 60%, with exceptions to 65%
Prepay Penalty:None
FICO Score Min: 625
Term:12 - 24 months (depending upon construction period required)
Lien Position:1st
Code: CASF1200G

Note:

Idaho, Nevada $2,000,000 Alaska, Oregon, Texas, Utah $3,000,000 Colorado, Hawaii $4,000,000 California, Washington $ 6,000,000 .

+ California: Hard Money

Loan Amounts: Up to $6,000,000

Loan to Value: 60% is typical, exceptions up to 70%

Interest Rates: 7.99% - 9.99%

Prepay Penalty: None

FICO Score Min: 600

Loan Term: Up to 3 years

Lien Position: First only

Code:CASF1201G

+ California: Hard Money 2

Rates Starting at 8.99%

300 FICO OK! Foreclosure OK! Bankruptcy OK!
Minimum loan amount is $75,0000 and Maximum is $75,000,000 (ask about Nationwide)

NO-FICO SCORE REQUIRED

• 2 – 5 – 30 YR Fixed Programs
• Interest Only Programs
• Self Employed / Stated – OK
• Stated Income / Stated Assets
• Bad Credit – OK
• Bankruptcy – Foreclosure – OK
• Owner Occupied / Investment Properties
• 1st and 2nd Programs
• 65% - 70% LTV
• 6 – Months Delinquent – OK
• H.E.L.O.C Programs
• No – Prepay Available
• 10 – Day Funding
• CA Properties Only

Property Types: Commercial / Office | Medical / Dental | Industrial | Multi-Units / Apartments | Strip Centers / Retail | Land / Construction | Commercial Construction | Investment Property | Self-Storage | Mixed Use | Hospital | Hotels & Casinos

Code: LF1556CA

+ California: Hard Money 3

Rates Starting at 8%

• Loan amounts $200,000 to $20,000,000
• Interest Only
• Terms of 1, 2, 3, and 5 years
• Up to 75% LTV (75+ on Loans $2MM+)
• Recourse

Property Types: Property: Office Buildings - Apartment Complexes - Senior Housing -Mixed Use Properties -Hospitality - Self Storage - Industrial Buildings (Light) - Retail Shops - Strip Malls - Shopping Centers - Automotive (no in-ground lifts) - Almost any income generating commercial property

Common Uses for Privately Funded Loans / Hard Money Loans

Purchase Loan - Note Purchase - Pre-Construction - Add Value - Repositioning -Partner Buy-Outs - Tenant Improvements - Debt Consolidation - Pay Tax Authorities

Code: CAACF3001

+ Nationwide: Hard Money

Hard Money Loan financing to $150k to 15 million +, High LTVs. True equity based lending. No income check available.

ALL PROPERTY TYPES - COMMERCIAL, INVESTOR - RESIDENTIAL, SUPER JUMBO

• - $150,000 to $15,000,000
• - Nationwide - All 50 States
• - Bad credit OK for all our Bridge Mortgage Loans
• - All situations considered including bankruptcy, foreclosure
• - 24 Hour Approvals / Emergency Mortgage Closings
• - Our Hard Money Mortgage Loan Program is designed for quick closings
• - Hard Money Bridge Loan rates are from 11%-15% - LTVs to 65%
• - Our Hard Money Mortgage Loans are based on actual property/project value
• - Asset Based Loan Approvals for all our Hard Money Mortgage Loans
• - Updated Appraisal Ok - IMMEDIATE SITE VISITS

Code:NSNWC1002

+ Nationwide Construction: Conventional Financing

Conventional Financing for Commercial Construction loans Nationwide.
From $500,000 to 50M + and Up to 100% LTC - 75% - 80% LTV.

Property types and Locations

Most Commercial property types are considered

Must be in the path of growth

Greater than 15,000 population is preferred

Commercial "for lease" properties - Apartment - Assisted care - Self Storage

Mobile Home Parks - Warehouse - Office - Retail - Medical

Single tenant considered on case-by-case basis

The Offer

Prime plus .5 - 1% - 12 - 18 month construction term

One time close

Converts to 3 yr mini or 10yr perm - at the end of construction

2-3% lender fee

Property must underwrite at 1:1 ratio at closing

Typical year pre-pay penalty

Typical Borrower Profile

Builder - Developer - Investor

Experienced Professional

Requires strong borrower - credit - net worth - liquidity

Has several projects in the works

Bad credit will not be turned down if you have cash in the deal

Next Steps

Call us to discuss - If you pass the test you will be required to submit:

Executive summary - explaining the deal on paper

Location map

Fixed price construction contract

Pro-forma projections

Current Financials - last 3 years personal and corporate tax returns

Resume of principals

Purchase contract

Architectural renderings

These are the straight forward construction finance guidelines for properties such as Mobile home parks, self storage, apartments, retail strip centers, warehouse, office and assisted care facilities Nationwide.

Code:DM155LCC

+ Other Nationwide Financing:

Funding Nationwide and International.

• Project Financing

• Stated Commercial Loans

• Private Equity / Joint Venture

• Health Care and Medical Financing

• Franchise Financing

Code:GBOTHRF15

+ Texas: Hard Money 1

$100,000 to $10,000,000

1-4 Family Investor Rehab Loans

Premier Borrower Plan:

Min. 660 Credit Score, 2 mo. bank statements & paystubs (if employed) & last 2 yrs. tax returns

Interest Rate: 12%

ARV: Up to 70%

Prepayment Penalty: None

Typical Borrower Plan:

No Min. credit Score, 2 mo. bank statements & paystubs (if employed)

Residential Interest Rate: 13% - 14%

ARV: Up to 70%

Prepayment Penalty: None

Multi-Family or Commercial Property Loan

Commercial Interest Rate: 14%-16%

ARV: Up to 70%

Prepayment Penalty: None

Code: D10MHLC

+ Texas: Hard Money 2

We Finance: Raw Land and Commercial Properties!

Property Type: Land and all commercial properties. Residential loans in the Dallas market

Loan Size: $100,000 up to $2,500,000+

Loan Term: 12 months - Extensions are available

Interest Rate: 14-17%

Amortization: Interest-only Monthly Payments

Loan-to Value: Up to 65%

Closing Terms: We can close in 5-7 business days

Code: DELCOM13

+ Texas: Hard Money 3

Property type: Commercial & Investment real estate

Collateral: First Mortgage

Loan Size: $100,000 - $3,000,000

Loan Terms: Up to 3 years

Amortization: Interest-only monthly payments

Loan-to-value: Up to 75%

Credit Score: > 550

Documentation: State income & assets; provide current financial statement

Prepayment penalty: None

Use of proceeds: Business Only

Rates: 10.875% +

Code:EQ459TX