Bank Alternative Loans


Even before the recession, and certainly after it, banks have been slow and difficult to work with as they are regulated by several layers of government. Our program is faster, and requires less documentation. You may not even need to produce tax returns for income verification. In this program we like non-owner occupied single-family homes, condos, or 2-4 unit dwellings. We can also do 5+ multifamily and mixed-use. Lastly, we will loan on other income producing properties like: office, retail, warehouse, self-storage, and automotive service (no gas stations).
Collateral Types
Income Producing- Multi-family, Retail, Commercial, Industrial, Warehouse, Storage, Non-owner occupied SFH
Lending Areas
Nationwide
Loan Amounts
$100k-5MM
Rate
7.99-9.99%
Term
30 Year Fully Amortizing
LTV
65-80 %* Depending upon deal and credit
Loan Fees
2%
Min Credit Score
650
Recourse
Full Personal
Notes
No Tax Return verification for stabilized properties. Loan is assumable at lender’s approval, with 1% fee. Minimum deferred maintenance and no construction.

No Hassle Hard Money Loans


Sometimes it means the difference between success and failure if you can close quickly. If you need a fast bridge to better financing, this is it. We can fund in a matter of days with our small, experienced underwriting team.The general term is short, and rates are expensive, but we are quick,flexible, and reliable.
Collateral
All income producing, Build to Suit, development deals, and land on case by case basis
Lending Areas
Primarily Florida, and East coast
Loan Amounts
$300k-2MM
Rate
12% Interest Only
Term
6 months-1 year
LTV
50-65%
Loan Fees
Min 4%
Min Credit Score
650
Recourse
Personal and/or Corporate
Notes
Committee of 3 decides quickly, and funds quickly. Clear exit strategy a must.

Fix and Flip Loans


There is opportunity in some markets to buy distressed single family homes, fix them up, and sell them for a profit. Others want to acquire, fix and hold. We can assist you in this business. The most important point is to buy the home inexpensively. We do not lend to owner-occupants, and we only lend to experienced “flippers”, but if you fit into these categories, this program is for you.
Collateral
Single-Family Homes
Lending Areas
Florida, Mid-Atlantic, East Coast
Loan Amounts
$100k-2MM
Rate
12%
Term
1 year
LTV
up to 80%
Loan Fees
Negotiable
Min Credit Score
650
Recourse
Full Personal
Notes
Can move in as few as 10 business days.

Equity Participation “Shark’s Tank”


If you have a “deal” that you have researched, it has some real collateral, and it makes sense, you can pitch us, and see what we think. We have equity that can be deployed on very good projects with experienced and credible operators. We prefer real estate deals, but if you feel you have a better mousetrap, you are welcome to take a shot and present your request.
Collateral Types
All
Lending Areas
Nationwide, preference Florida
Loan Amounts
Open
Rate
Minimum Project ROI 30%
Term
12-36 months
LTV
50%
Loan Fees
Negotiable- Waterfalls Considered
Min Credit Score
None
Recourse
Not Required
Notes
This is the program for borrowers who have tried to find capital, but have not been able to complete a transaction. We may fund all or part of the project depending on specifics.