Different Loans for Investors

Loan Products

Every investor has a unique vision. Our wide range of mortgage programs allow borrowers to find the perfect financing for their deal. Here’s a summary of the residential investment and commercial programs we offer.

FlexTerm Loan

Long-Term Hold · 30-Yr Fixed

Long-term fixed-rate stability with maximum payment flexibility.

Designed for real estate investors seeking lower monthly payments on a long-term, fixed-rate loan with zero balloon payment risk. Underwritten on property cash flow rather than personal tax returns.

Loan Term30-Year Fixed

Amortization30 Years (No Balloon)

Interest-OnlyUp to 10 Years

QualificationAsset-Based (No Tax Returns)

Key Program Features

30-year fixed rate with no balloon payment.
Optional interest-only payments for up to 10 years.
Streamlined qualification based on property value, not personal income.
Ideal for self-employed investors and portfolio owners.
The premier institutional alternative to costly hard money loans.

Eligible Property Types

Investor 1-4 (SFR, Condo, and 2-4 Units)Multi-Family (5+ Units)Mixed-Use PropertiesCommercial (Office, Retail, Warehouse, Self-Storage, Automotive)

Target Borrower Profile

Self-employed investors, small business owners, and portfolio landlords seeking steady long-term rental cash flow without hard money rates.

Asset-based underwriting · Same-day pre-approvalApply for FlexTerm Loan

ii.

Flex I/O

Short-Term · No Prepay Penalty

Short-term interest-only bridge financing without prepayment penalties.

A flexible short-term liquidity solution for investors acquiring, leveraging, or repositioning residential investment real estate while keeping debt service costs to an absolute minimum.

Loan Term24-Month Term

Payments100% Interest-Only

PrepaymentNo Prepay Penalty

TransactionPurchase or Cash-Out Refinance

Key Program Features

An interest-only, 24-month term provides lower monthly payments.
Available for both property acquisition and cash-out refinances.
Exit whenever ready with zero prepayment penalty.
Significantly higher LTV and lower cost of capital than traditional hard money.

Eligible Property Types

Investor 1-4 (SFR, Condo, and 2-4 Units)

Target Borrower Profile

Active investors needing transitional capital during acquisition, value-add repositioning, or pending a long-term permanent refinance.

Higher leverage than hard money · Rapid closingApply for Flex I/O

iii.

Fast50 Loan

Low LTV · Fast Close · Credit Flexible

Low LTV financing with credit-flexible, common-sense underwriting.

Engineered specifically for real estate investors with significant equity who face credit hurdles, past notices of default, or recent bankruptcies and need fast, non-bank loan approval.

Structure3-Yr Fixed or 30-Yr Fixed

AmortizationAmortized over 30 Years

Credit CriteriaDerogatory Credit & Prior BK OK

OwnershipNo Seasoning Required

Key Program Features

Accommodates borrowers with recent bankruptcy or notice of default.
No seasoning of property ownership required.
Significantly improved pricing compared to standard distressed debt programs.
Derogatory mortgage history and past credit events accepted.
Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.

Eligible Property Types

Investor 1-4 (SFR, Condo, and 2-4 Units)Multi-Family (5+ Units)Mixed-Use PropertiesCommercial (Office, Retail, Warehouse, Self-Storage, Automotive)

Target Borrower Profile

Borrowers with substantial equity or past credit events who need fast funding without invasive banking scrutiny.

Expedited approval · Common-sense equity underwritingApply for Fast50 Loan

iv.

Foreign Investor Loan

Foreign National · No U.S. Credit

Institutional financing for non-resident global investors acquiring U.S. property.

A dedicated foreign national mortgage program that eliminates traditional U.S. credit, tax return, and residency obstacles to unlock prime American real estate opportunities.

Max LeverageUp to 65% LTV

Credit ScoreNo U.S. Credit Required

FundsNo Seasoning of Funds Required

Track RecordNo Prior U.S. Experience Needed

Key Program Features

Leverage up to 65% LTV on purchases and refinances.
No U.S. credit score or Social Security Number required.
No lengthy seasoning of down payment funds required.
Prior U.S. investing experience is not required to qualify.

Eligible Property Types

Investor 1-4 (SFR, Condo, and 2-4 Units)Multi-Family (5+ Units)Mixed-Use PropertiesCommercial (Office, Retail, Warehouse, Self-Storage, Automotive)

Target Borrower Profile

International individual investors, foreign corporations, and cross-border family offices building U.S. residential or commercial portfolios.

International desk · Multilingual underwriting coordinationApply for Foreign Investor Loan

ARV Pro

Fix & Flip · Sized to ARV

Short-term fix-and-flip capital sized to the property's After-Repair Value.

Designed for fix-and-flip specialists and value-add investors seeking short-term, interest-only financing to acquire, renovate, and maximize the market value of distressed real estate.

Loan Term1-Year (12-Month Term)

PaymentsInterest-Only

RenovationUp to 100% Construction Financing

ValuationUnderwritten to As-Repaired Value

Key Program Features

Finances both initial property acquisition and renovation improvements.
Expedited underwriting tailored for fast closes on competitive deals.
An interest-only 1-year term keeps holding costs low during construction.
Substantially higher total leverage than traditional hard money lenders.

Eligible Property Types

Investor 1-4 (SFR, Condo, and 2-4 Units)

Target Borrower Profile

Active rehabbers, flippers, and value-add operators who need rapid capital deployment and seamless construction draw schedules.

Fast track 7–10 day closing · Dedicated draw disbursementsApply for ARV Pro

Scenario Desk On Call

Not sure which loan program fits your deal?

Our senior loan originators structure customized bridge, fix-and-flip, and permanent capital packages for complex investment scenarios.

Submit Loan Scenario Speak to Desk