Typical candidates are borrowers with equity in real property that exceeds the loan value or substantial down payment but who cannot qualify because of poor credit, high debt-to-income ratios or inability to traditionally document income. Clients often seek hard money loans when they need cash quickly, and cannot wait or do not qualify for a typical bank loan.


Eligible Properties

:: Retail Strip Centers
:: Residential Investment - REO Flips and Rentals
:: Luxury Residential (investment purpose)
:: Multi-Family
:: Condos (investment purpose)
:: Light Industrial
:: Mixed Use
:: Office
:: RV / Mobile Home Park
:: Special Purpose


Lending Parameters

:: Financing Types: First trust deeds, structured finance, acquisitions
:: Location: Metro areas nationwide (CA, AZ, FL, OR, TX preferred)
:: Rates: 6.99% to 12.99%
:: Fees: 2 to 4 Points
:: Loan to Value: 55%, and up to 65% with exceptions
:: Amortization: Fixed and Interest Only
:: Income Doc: Stated and Alt Doc Programs
:: Loan Term: 6 months to 5 years+
:: Loan Amounts: $300,000 to $10 million 


Product Niches


:: Low Occupancy, Stabilization,
:: CMBS Workouts, Balloon Payments
:: Credit Challenges, BK, Foreclosure Bailouts
:: Discounted Payoffs
:: 1031 Exchanges, Bridge Financing
:: Bank Turndowns
:: Quick Closings
:: REO Acquisitions
:: Bank Dispositions
:: Partner Buyouts
:: Performing and Non-Performing Note Purchases


See a representative list of our completed transactions.