Missouri Purchase & Rehab Lending

Loan Program # 1

Territory   MO (St. Louis Only)

AMNT      $50k - $1M

LTV          75 - 100%

INT           12%         8 months

                  24%         9 - 12 months (Plus 4 points)

PTS          4 + 4 for extension

TRM         4 months (ext of 4 pts for 4 more months - then additional interest rate)

PPP          None

Need $20k of available funds

Will hold 6 months interest payments

3 Draws

Loan Program # 2

Territory   MO

Amount    $10k - $300k

LTV          50 - 60% ARV (100% of purchase/rehab)

INT           12%         5               4 months (ext of 4 months with 5 pts - will refund prorated)

                  12%         8               6 months

                  18%         8               9 months

PTS          4 - 5

TRM         6 - 12

PPP          None

CRDT      Not Credit Driven

Draws      Pay suppliers in advance, work paid as reimbursement

                  1/3    1/3     1/3

                  $500 fee for all inspections

Loan Program # 3

Territory   St. Louis, MO and surrounding counties

Amount    No min or max

LTV          Up to  70% ARV      Will loan on purchase only, no money for the rehab

                                                     Will loan 100% of purchase and roll in points if

                                                     goes up to the 70%

INT           15%   700 score and over

                  18%   Less then 700 score

PTS          4 (Min of $2000)

TRM         4 months    Then ext of 2 months at a time up to 12 months - 2 points or $1000 min

                                      for each extension

PPP          No

Will fund 2 loans at a time max

Loan Program # 4

TRTY       MO Only

AMNT      $50k - $1M                                

LTV          100% LTC of 70% ARV

INT           14 – 18%

PTS          4 - 6

TRM         6 - 9 months

PPP          None

CRDT      680

All Costs and Payments Can Be Rolled Into Loan

Oregon Purchase and Rehab Lending

Loan Program # 1

Territory   OR  ($10k min) to no max

                  WA  ($10k min) to no max

                  Nationwide  ($500k min)

AMNT      $50k - $1.5M

LTV          100% LTC of 65% ARV

INT           11 - 18%

PTS          3 - 6

TRM         6 – 18 months

PPP          None

Loan Program # 2

Territory   AZ, CO, GA, ID, MD, NC, NB, NM, NV, OR, TX, UT, VA, WA, WV

AMNT      $50k - $250K   ($350k House)

LTV          100% of purchase to 70% ARV (Only lends on SFR)

INT           15%

PTS          5.5

TRM         6 months (2 months for 2 points)

PPP          No

CRDT      620 (under 620 is 18% and 1 point)

EXAMPLE                                  $150,000                       ARV

                                              -     $20,000       Rehab

                                             =     $130,000     Sub Total

                                                            x 70%    Loan Calculation

                                            =       $91,000     Loan Amount

                                            +            5,000    Points 

                                             =        $96,000    Total Loan Amount

Borrower pays all rehab cost and closing costs

Loan Program # 3

Territory   AK, CA, CO, GA, ID, MT, NV, NY, OK, OR, TX, WA, WV

Amount    $10k - $9M  

LTV          65 - 70%      (65% ARV of 100% LTC, Purchase/Rehab)

                  70%              Purchases

INT           10 - 15%

PTS          5

Term        12 - 60 months

PPP          3 month interest guarantee

Wants Summary Sent First

$500 processing fee after approval

Will Do Construction

Fees:  Doc prep fee $500 - 2500 and collection account set up

            fee of $220 plus $1 per $1000 of loan amount

            All costs can be rolled into loan

Docs Needed:         1003

                                   Credit

                                   Company Financials (if legal entity)

                                   Privacy Notice signed by borrower

                                   P & S Agreement

                                   Preliminary Title Report

                                   Estimate of Repair

                                   Architect Plans (if needed)

                                   Comps

                                   Photos

                                   Borrower Experience Letter

                                   General Contractor License and Ins.

Loan Program # 4

Territory   AZ, CA, NV, OR, TX, UT

AMNT      $50k - $1.5M

LTV          100% LTC of 70% ARV or FMV if purchase

INT           18% (plus $750 after first month payment to exercise 5 month "option")

PTS          4 - 5

TRM         6 + 6

PPP          None

CRDT      Not credit driven

Philadelphia Area Purchase & Rehab Lending

Loan Program # 1

TRTY       Philadelphia Area

AMNT      $100k  and up

LTV          100% LTC of 65% ARV

INT           15%

PTS          5

TRM         6 months

PPP          None

Purchase/Rehab, Construction & Land

Loan Program # 2

Territory   Phil Area, Newark, to Cape May, NJ, DE, Eastern MA

Amount    $70k - $350k

Amount    $500 - 600k for South Jersey, Cherry Hill, Marlton

LTV          65% ARV

INT           12 - 16%

PTS          6

TRM         6 - 12 months

PPP          No

CRDT      660

Loan Program # 3

TRTY       AL, DC, GA, KS, MD, MN, NC, NJ, PA, SC, TX, VA

AMNT      $50k - $5M

LTV          70% with 680 score  /  Min score is 680

INT           10%         8 pts

                  15%         6 pts

TRM         6 months only (case by case ext, no pts, interest goes up to 18%

PPP          No

CRDT      680 for 100%

RSVS       6 months required for each house owned

Borrowers can only have 4 financed properties (3 + 1)

100% financing up to 70% ARV.  Points and Closing Costs Are Paid At Closing

Loan Program # 4

TRTY       DC, DE, MD (Baltimore ok), S. PA, N. VA

AMNT      $50k - $1,5M

LTV          100% of purchase, 50% of rehab

INT           14%

PTS          4 - 6

TRM         6 -  12 months

PPP          None

Loan Program # 5

TRTY       Phil & South. NJ

AMNT      $15k - $250k

LTV          70% ARV (100% of 70% ARV)

INT           15%

PTS          6   (2 at commitment, 4 at closing)

TRM         6 – 12 months

PPP          No

No Appraisal

Application Fee (Personal) $275   (LLC App Fee $350 extra)

Loan Program # 6

TRTY       CT, DE

, NY, PA, VA (Must live within 60 miles of property)

AMNT      $75k - $3M

LTV          65% (Up to 100% purchase/rehab)

INT           16%

PTS          5

TRM         12 months

PPP          None

CRDT      660

DOCS      Full Doc loan (Like Residential Loan)

Loan Program # 7

Territory   Phil, South NJ, Mont County & DE County

Amount    $100 - $150k

LTV          65% ARV (their comps and appraisal)

INT           16%

PTS          6

TRM         12 months

PPP          No

Credit       650

Loan Program # 8

TRTY       Philadelphia Area

AMNT      $10k - $350k

LTV          100% LTC of 70% ARV

INT           14 – 15%

PTS          4 - 6

TRM         12 - 60 months

PPP          None

1 - 4 units, Mixed, Small Commercial

Loan Program # 9

Specializes in Commercial & Residential Purchase / Rehab

Territory   Phil & E PA; S NJ; N DE; MD Cecil County  (Residential)

                  Nationwide Commercial

Amount    $30k - $10M

LTV          65% ARV (100% of purch/rehab to 60% ARV)

INT           16

PTS          10  ($6,000 min)

TRM         6 - 12

PPP          No

CRDT      660

Commercial Bridge, Residential Bridge, Land & Purch / Rehab

True Hard Money Lending

Loan Program # 1

TRTY       Nationwide

AMNT      $200k - No Max

LTV          50%

INT           12 - 16%

PTS          3 - 6

TRM         12 - 36 months

PPP          No

No Credit Scores, No Income, No Seasoning, No Reserves

Need Reasonable Exit Strategy

           Verifiable Use Of Funds

           Documentation of Leases, Expenses, Etc

Loan Program # 2

Territory   Nationwide, not AK, HI

AMNT      $500k - $15M

LTV          65%

INT           10 – 15$

PTS          2 - 6

TRM         12 – 36 months

PPP          None

CRDT      Low credit scores are ok

Asset based

All properties including raw land

Loan Program # 3

Territory   Nationwide

AMNT      $250k - $10M

LTV          Up to 80%

INT           8 - 15%

PTS          1 - 5

TRM         12 - 60 months / up to 30 year amort

PPP          None

Canada Lending

Territory     Nationwide, Canada, Mexico & Carribean
AMNT         $150k - $25M
LTV            55% Non income producing
                  65% Income producing
                  35% Land
INT            8 - 16%
PTS            3 - 7
TRM           3 - 60 months
PPP            None

Bridge Loans

Loan Program # 1

Bridge / Hard Money Loans / SBA

Territory   Nationwide

AMNT      $100k - $2M

LTV          65%

INT           10 - 15%

PTS          3 - 6

TRM         12 - 36 months

CRDT      Not FICO driven

Trophy Homes: AZ, CA, CO, FL, ID, HI, NV, NY, OR, UT, WA

Construction / Construction Completion $1M and up, SE & SW $200k and up

Purchase, $500k @ 80% and under at 65%

Loan Program # 2

Territory   Nationwide, Not in MI, OH

Amount    $300k - $3M

LTV          50 - 75%

INT           13 - 15%

PTS          3 - 6

TRM         12 months

PPP          No

Loan Program # 3

TRTY       AL, DC, FL, GA, MD, NC, PA, SC, VA

AMNT      $1M - $20M 

LTV          70% Commercial       60%  Land Development    50% Raw Land

INT           9 - 18%

PTS          2 - 6

TRM         12 - 36 months

PPP          None

Private Portfolio Lender

Commercial Property

Blanket Loans

Bridge / Rehab Loans

Multi Family Only

Up to 75% LTC  (purchase + rehab)

18 - 24 months

DSCR 1.0

Loan Program # 4

TRTY       Nationwide

AMNT      $500k - $25M

LTV          Up to 90%

INT           7.5% - 14%

PTS          2 - 6

TRM         12 – 36 months

PPP          None

Business Lines of Credit, Mezzanine, Note Purchase, REO Purchase

Construction - All Types

Loan Program # 5

Direct Commercial Private Lender

Broker Other loans

Purchase up to 90% LTV

TRTY       Nationwide

AMNT      $500k - $25M

LTV          65 - 80%

INT           10 - 15%

PTS          3 - 5

TRM         1 - 5 years

Loan Program # 6

Private Direct Lender

Commercial Lending                                                  Bridge Lending

TRTY       Nationwide                                                  Nationwide

AMNT      $1M - 6M                                                      $1M - 40M

LTV          65 - 75%                                                      50 - 70%

INT           Prime + 1 - 2                                                12 - 16%

PTS          2 – 4                                                               3 - 5

TRM         5  / 20 - 25 amortization                            24 - 36 months

PPP

Also does Venture Capital

Loan Program # 7

TRTY       Nationwide

AMNT      $1M - $500M

LTV          Up to 80%

INT           4 - 7%

PTS          1 - 3.5

TRM         5 / 25 and up

PPP          None to Usual

DSCR      1.25 and up

Loan Program # 8

TRTY       East Coast

AMNT      $100k - $1M

LTV          80 - 90% (and up to 100% for rehab)

INT           12 – 14%

PTS          2 - 4

TRM         3 months to 30 years

PPP          None

CRDT      Need credit report, but may not be relevant

Loan Program # 9

Territory   Nationwide

Amount    $2M - $50M

LTV          75%

INT           10 - 14%

PTS          1 - 4

TRM         12 - 24 months

PPP          No

Any type of commercial property, commercial rehab, commercial construction

Warehouse                                                  Bankruptcy Reorganization

Residential Development                         Hotel Purchase

Construction Office, Retail, Etc                Condo Development

Refinance Rehab                                       Auto Dealership Refinance

Arizona Purchase and Purchase/Rehab Lending

Loan Program # 1

Territory           AZ, CA, FL
AMNT               $50k - $1.5M
LTV                  60%         80%
INT                  12.5          18%
PTS                  3 - 5
TRM                 6 - 12 months
                       2 - 5 years
                       PPP None


Loan Program # 2

Territory         AZ, NV, UT, TX, CA, WA, CO
Amount          No minimum or maximum
LTV                5 - 15% down payment
INT                18%
PTS               3 - 5
TRM              6 months
PPP              30 - 60 days

All properties including Foreclosure Sale Lending
NO CREDIT CONSIDERED. PROPERTY ONLY


Loan Program # 3

Territory         AZ, CO, GA, ID, MD, NC, NB, NM, NV, OR, TX, UT, VA, WA, WV
AMNT             $50k - $250K   ($350k House)
LTV                100% of purchase to 70% ARV (Only lends on SFR)
INT                15%
PTS               5.5
TRM              6 months (2 months for 2 points)
PPP               No
CRDT            620 (under 620 is 18% and 1 point)

EXAMPLE      $150,000      ARV
                  - $20,000        Rehab
                 = $130,000       Sub Total
                         x 70%      Loan Calculation
                =      $91,000    Loan Amount
                +         5,000     Points 
                 =      $96,000   Total Loan Amount


Loan Program # 4

TRTY           AZ, CA, HI, NV
AMNT          $50k and up
LTV             Up to 100% LTC
INT             12 - 14%
PTS             7
TRM           12 months
PPP            None

Loan Program # 5

Territory     AZ, CA, OR, WA   (LA and South - but not too far west of LA)
Amount      $100 - $15M
LTV            Up to 80%
INT             11 - 13%
PTS            2 - 4
Term          3 - 36 months
PPP            No

Will Do Developments and Ground Up Construction


Loan Program # 6

Territory       AZ, CA, NV, OR, TX, UT
AMNT           $50k - $1.5M
LTV              100% LTC of 70% ARV or FMV if purchase
INT              18% (plus $750 after first month paymnet to exercise 5 month "option")
PTS             3 - 5
TRM            6 + 6
PPP             None
CRDT          Not credit driven