GENERAL LENDING TERMS
Start LoanLoan Types
Construction, fix and flip/rehab, commercial, purchase loans, bridge loans
Construction, fix and flip/rehab, commercial, purchase loans, bridge loans
Types of Properties
Single family homes, apartments, residential developments, small commercial
Loan Amounts
$100,000 to $1,000,000
Loan-to-Value
70% LTV in most cases. Higher LTV, ARV-based and participation loan options available
Lien Position
1st or 2nd
Interest Rates
8.9% to 11.9% (can be lower for very low LTV loans)
Origination Fees
2 to 4 pts, depending on loan size, LTV, maturity
Doc/Processing Fees
$1,495 – $2,495
Loan Term
6 months to 1 year (beyond 1 year determined on case by case basis)
Valuation Method
Appraisals are obtained on a case by case basis
Borrower Types
Individuals, Trusts, LLCs, Corporations
Closing Timeframes
5 – 14 days
Lending Area
California
Other
Escrow fees if applicable
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