Long Term Loans
Our flexible rental program allows borrowers to quickly and efficiently grow their clients' portfolios with income-generating rental properties. With our in-house underwriting, processing, and funding, we offer fast, seamless, and dependable financing for a range of needs, including purchase-only transactions, refinancing existing properties, and cash-out refinances based on home equity.
Program Details
Interest Rate:
Rates starting at 6.2%
Credit Score (FICO):
Minimum Fico of 600
Property Type:
Single family, 2 - 4 unit multifamily, and condo/townhouses
Qualifications:
Rent-ready
Loan Term:
30-year Fixed Rate
Max Loan Amount:
Loan amount from $100,000 - $5,000,000
Foreign Investors Loans:
No social security number required
No credit score required
No U.S address required
No U.S investment experience required
No seasoning
No sourcing of funds
Max Loan to ARV:
Up to 80% LTV
Foreign investors: Up to 65% LTV
Second Liens allowed
Frequently Asked Questions
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Long-term loans offer financing over an extended period, typically exceeding three years, and are primarily used for major investments like real estate or large-scale equipment purchases.
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The primary benefits include lower monthly payments spread over an extended period, fixed interest rates for predictable budgeting, and the opportunity for substantial capital investment in a business or property.
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Lenders evaluate several factors, including the borrower's credit history, the stability and profitability of their business, the value of the collateral, and the intended purpose of the loan.
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Long-term loans offer lower monthly payments and extended repayment periods but may lead to higher overall interest costs over the loan's life. In contrast, short-term loans have higher monthly payments, shorter durations, and generally lower total interest expenses.
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Yes, some lenders may impose a prepayment penalty for paying off a loan early. It’s important to review your loan agreement carefully to understand the terms and conditions related to early repayment.
Explore our other loan programs
Fix and Flip Loan
Short-term loans designed for purchasing and renovating properties, offering up to 90% financing on the purchase and 100% for renovations.
Commercial/Multifamily long Term
Maximize your investment potential, grow your portfolio, and boost your cash flow by investing in commercial and multifamily properties.
Refinance/Cash Out
Refinancing loans designed to help borrowers unlock and extract cash from the equity built up in their owned properties.
Commercial Bridge
We provide short-term bridge loans tailored for commercial, mixed-use, and multi-family properties.
New Construction Loan
Hard money short-term construction loans tailored for real estate developers.