Nationwide Commercial Loans for Investors


Need Capital to Retrofit your Soft-Story Building in California?

We can help!

  • 2nd TDs on Commercial and Multi-family buildings in California
  • Rates start at 8.99% at 40% CLTV 
  • Up to 12.99% at 65% CLTV or for difficult area / condition
  • Min. 6 months interest on 3-year loan
  • Min. 12 months interest on 5-year loan
  • Loan amounts over $50k OK

Los Angeles, Pasandena, West Hollywood and Santa Monica City have mandated the retrofitting of multifamily soft-story buildings.

Top Markets

Los Angeles, San Francisco, San Jose, San Diego, Sacramento County

Standard Markets

Riverside, San Bernardino, Ventura, Orange, Bakersfield, Fresno County

Acquisitions or Refinances, Workouts, Recapitalization on stable and transitional assets

Highlights

  • National Lending
  • Freddie Mac Multifamily Small Balance Loans $1M to $7.5M – Cashout is available. Min – 5 residential units. 85%-90% occupancy required.
  • Top Markets: New York, Northern NJ, Long Island, Boston, Washington DC, Chicago, Los Angeles, Orange County, San Diego, San Francisco, San Jose, Denver, Miami/Ft. Lauderdale, Minneapolis, Portland and Seattle. 
  • Contiguous site properties no limit 5+ units
  • Scattered site properties no limit 5+ units
  • Flexible Terms 5,7,10 year options with 30 year, Hybrid or Fixed options.
  • Interest Only Options
  • Non-Recourse
  • Competitive Rates in the 4’s and 5’s
  • Conduit/CMBS loans from $1M to $75M
  • Bridge Loans from $1M to $75M
  • Preferred Equity/Mezzanine Financing from $2M to $50M  
  • National primary and secondary markets accepted.
  • Structured Equity/JV Financing from $3M to $20M
  • Emerging Development Fund (Pay pre-development and acquisition costs from $75k to $2.5M) 
  • Your pricing would depend on Pre-Payment structure, Loan LTV, Income Profile and Interest only period.
  • Providing Joint Venture preferred equity behind GSE mortgages. One stop shop for your commercial real estate asset types.
  • Pre-Development – To be used for: Acquisitions, legal costs, costs for third-party reports (eg. Environmental assessments and appraisals) design plans, tax credit applications, deposits and other pre-development costs.
  • Rental Housing, Commercial; Industrial and Mixed-use projects are acceptable.
  • Pre-Development ($100k-$750k) 80% of budget
  • Pre-Development & Acquisition ($1M-$2.5M) 30% of total budget
  • Flexible pre-pay. Can be 1st or 2nd position mortgage with personal guaranty. Full Recourse. 

Eligible property types:

  • Multifamily
  • Mixed-Use
  • Retail
  • Office
  • Industrial
  • Self-Storage
  • Independent Living
  • Medical Office
  • Student Housing
  • Mobile Home Parks
  • Hospitality in major and secondary markets

#FreddieMacSBL #CMBS #BridgeLoans #PreferredEquity #StructuredEquity #Mezzanine

Inquire Today!

Nationwide Private Bridge Loans Available


  • Quick Close options 1-2 weeks possible.
  • Funds for Improvements – Cashout for Investments OK!
  • Business Purpose use for Funds OK.
  • Bank Turndowns are OK
  • Bankruptcy is OK
  • No Docs
  • 12-24 months No-Prepay
  • Owner Occupied is OK – up to 5 yrs Fixed
  • Long-term hold loans for good credit & low rates (4%-7%)
  • Luxury Loans to $15,000,000
  • Interest reserves & Closing costs can be included in the loan if you have the equity for Fix and Flip only.
  • Refinance and Purchase loans Available
  • No Credit, No Doc, No Verified income for Foreign Nationals, living abroad is OK
  • No Tax Returns, Non-Warrantable Condo’s are OK
  • 30 yr fixed options are available
  • Stated Loans Available
  • No Source / Seasoning needed for loan approval
  • Cross Collateral structure funding with existing properties in portfolio
  • Current Renovation in Progress is OK.
  • Construction to Permanent is OK
  • Multi-Family, Commercial loans OK
  • Nationwide Lending, Case-by-Case Decisions based on complete scenario!

Leave Your Loan Request Inquiry Below Today!

Non-QM Niche Loan Programs


Owner-Occupied Non-QM

  • Up to 95% LTV
  • 1 month Bank Statement Program
  • 12 or 24 month Bank Statement Program
  • VOE Only Program
  • 1099 Only Program
  • P&L Only Program
  • Asset Depletion Program
  • Credit Scores Down to 500
  • Foreclosure Bailout

Non-Owner-Occupied Non-QM

  • No Income Verification up to 80%
  • No Income Verification for cash out up to 75%
  • NO DSCR Required
  • Ficos down to 600
  • 5+ Unit Apartment Bldgs.
  • Mixed Use Properties
  • Loans held in LLC and Corps.

Inquire Below Today!

Spring Loan Programs for Investors


Nationwide Fix and Flip Funding Programs:

NO CREDIT REPORT

NO BACKGROUND CHECK/UPPER COURT SEARCH

NO APPRAISAL

CLOSE IN 5 DAYS

ONLY PAY INTEREST ON OUTSTANDING BALANCE


LOWER RATES and MAXIMUM LEVERAGE to NEWBIES

Lender will fund up to 90% of purchase and 100% of rehab with no previous experience up to 75% ARV.

Below are the parameters for the financing program:
90% of Purchase
100% of Rehab
9-12% Interest
1-3 Points
12 month term
No PPP
Up to 75% ARV and 75% AIV
Min loan of $75,000 / Max loan of $5,000,000
Entity Borrowers Only
525 min Credit Score
NO HARD Credit Pull
NO Experience Required
Option for interest being charged only on funded balance
Option for NO PERSONAL GUARANTEE

East Coast Hard Money Loans

We fund 100% of construction and acquisition up to 65% of the ARV.  We can approve the same day and close in 24hrs. Normally we are about 1.167% per month for a 12 month note.  The money is 6 points at the table.  cash out refi investors and buy/hold/refi

Maryland, Philadelphia, PA, New Jersey, Virginia, Delaware, Washington, DC

Leave Your Loan Scenario Below

Never Mind the Cold: Winter Can Be a Great Time for a Move


Courtesy of Pixabay.com.

The need to relocate can arise at any time for any number of reasons. A homeowner may need to pack up and move due to downsizing or because of a job change. If you have a lot of boxes to pack and plenty of furniture, exercise equipment and other large pieces, a moving company is probably your best bet – unless you happen to know a lot of brawny men with time on their hands. But bear in mind that commercial moving is a seasonal industry, and moving companies tend to be a lot busier during the warm months, namely spring, summer and early fall.

It’s not always possible to pick and choose when you’re going to move, because circumstances sometimes dictate when and how quickly you have to do it. Winter may not be the ideal time, but if done carefully and with a vigilant eye on the weather, moving “off-season” can save you money and a few headaches as well.

Be warm, stay safe

On moving day, you’ll be going in and out all day, so be smart about how you dress. If the temperature dips below freezing, keep exposed skin covered and protected from the wind. Wear boots with rubber soles or studs that grip the snow and ice, and apply layers to keep your feet and legs dry and warm. Use foresight and common sense, and leave snow removal equipment (i.e. shovels, ice scrapers, salt, etc.) unpacked in case it’s needed when you arrive.

Track the weather

Of course, the weather can quickly turn a winter move from a great idea into a dangerous venture. Watch the forecast leading up to moving day. If the weatherman predicts snow and ice, track the situation closely in case it becomes necessary to postpone your departure or call it off for safety’s sake. Work with your moving company to plan the safest and most direct route, one that emphasizes major roadways and avoids any scheduled road construction.

Recruit help

When it comes to moving, you can’t have too many extra hands. Don’t hold back – now’s the time to call on all those friends and relatives you helped out on their moving day. Friends can help you declutter, organize and pack everything, make sure all those boxes are properly labeled and, maybe most importantly, be there to lend a smile and an encouraging word when you’ve had enough. The more you can do to prepare ahead of time, the better off you’ll be when it’s time to load up the moving van. Just don’t forget to order plenty of pizza once it’s all ready to go.

The right moving company

Do plenty of online research before hiring a moving company. Take the time to read customer reviews, interview your candidates and ask them for three references. Be sure that whomever you engage is fully insured and licensed – a requirement for any interstate moving company. Once you have a firm estimate in hand, make sure to get it guaranteed in writing, which should include pick-up and delivery dates. Always be wary if you’re asked for a sizable deposit (20 percent or higher), since most moving companies don’t do business that way.

Keep your pets safe

Pets tend to get very skittish when their environment is “invaded” and there’s suddenly a lot of strange people stomping around. The chances of your pet escaping and getting hurt are much greater while the movers are getting you packed up, so find a friend to play pet sitter while all the chaos is going on, or find an affordable boarding service. It’ll be one less thing to worry about on moving day, and that’s worth a lot.

There’s no need to fear moving in winter. It may be cold, but it’s also an excellent way to save money on what can be a very costly expense. With the moving business at a low ebb in the winter, you’re virtually assured of getting the moving date you want.

Guest Post by: Kris Louis kristin@parentingwithkris.com

Credit: Parentingwithkris.com

Off-Market Brentwood Development Deal with Approved Plans on Large Lot in Canyon.


This is a rare opportunity to build your custom Dream Smart Home in Brentwood.

DEVELOPMENT SUMMARY

RTI – Plans Approved and Ready to Break ground. New construction , Modern Cape Cod sitting on a ½ Acre, the 6,000 sq.ft. plans call for 5 beds and 7 baths, formal dining room, media room, open kitchen, bar, master suite with his & her walk in closets and much more. Choose to build with our company and earn a projected 40% ROI in 1 year.

Developer Special! Contact me if you want to check out the plans!

$2.2M Purchase Price

$1.8M Construction Cost

Lender ordered appraisal – ARV – $6.1M

Contact me direct – 323-632-3279 or inquire below.

Quick Business Funding (24-48 hrs)


Unsecured Business Bank Statement Program
– From $10,000 Up to $500,000 Unsecured in 1 Business Day! 
– Factor Rates from 1.15 to 1.499 
– Loan Terms up to 18 Months 
– No Red Tape Lending, very lite documentation requests! 

We offer lite documentation and no red tape, so this is quick money that can help with operating capital, repairs, purchases, or any other business need. We also offer $0 down equipment financing up to $250,000! 

$0 Down Equipment Leasing Program
– up to $250,000 
– No Appraisals required on new equipment 
– Purchase from any Vendor 
– Funds available next day
– Can include soft set up and installation costs! 
– Rates starting at 6.49%

If you would like to apply and see what we can get your business, please provide the following documentation: 

1. Completed Small Business Short Term Funding Application – Edward will send in an email to follow this one. 
2. ID 
3. 3 Months of Business Bank Statements 
4. Month to Date Business Bank Statement up to the day you Apply. 
5. Lease Agreement for the site, or mortgage statement. If the property is free and clear, please provide a letter of explanation. 
6. Signor’s Credit Report that shows all three credit scores. 
7. Business entity formation documents to include 
For Corporations / S Corporations:                      For LLC’s / LLPs         
A. Officer List                                                        A. Member List 
B. Bylaws                                                              B. Operating Agreement  
C. EIN #                                                                 C. EIN # 
D. Certificate of Good Standing or Business License  D.  
Certificate of Good Standing or Business License

Smart Home Lookbook 2019


Exciting New Beginnings

In 2019 Fix and Flippers will become Signature Smart Home Consulting, LLC. We are currently rebranding and positioning ourselves to become the authority on Smart Home Technologies and consulting luxury homeowners in California on the fast growing trend of smart technologies designed to create an unprecedented level of comfort, security & personalization in our homes like we’ve never experienced. 

The first of these Signature Smart homes is located in Malibu, California and will be one-of-a-kind. 

The goal is to duplicate and scale the hush-hush proprietary technology  and make available for developers and home builders in 2019-20 to be used in homes. 

We are currently purchasing an established construction company to increase our footprint and control the smart remodel process. We will be working with contractors who specialize in these technologies, as they are very cutting- edge and most contractors are not familiar..

We plan on fully documenting the rehab process and the special tech that we install in the home. 

We can also help investors and homeowners identify various forms of private capital to upgrade and remodel their homes, add value to the property, then refinance back into a low rate, long term mortgage.

For inquiries contact me below.

When It Comes to Selling Your Home, Keep It Clean


Photo courtesy of Pexels

When It Comes to Selling Your Home, Keep It Clean

The process of getting your home ready to sell and placing it on the market, can be a stressful time for anyone but doing so while managing the logistics of a busy household can be daunting. There are a lot of factors to take into consideration when you’re getting ready to list your home like identifying what needs to be updated and freshened up or what other homes are selling for in your neighborhood. The trick to minimizing the stress is to make a plan and do your best to stick to it. Here are ways to stage and live your home until it’s sold.

Declutter Your Space

No one wants to buy a filled up, filthy house. Up your house’s appeal by tidying up and cleaning it out. If you’re not sure where to start, ask a friend or real estate agent for a fresh perspective. Decluttering can also help identify which rooms may need a little extra attention like paint or carpet cleaning. Kids rooms can be the messiest. Pre-listing is the best time to rid their closets of any clothes they’ve outgrown or donating toys they’re no longer interested in. Enlist the help of the family and have everyone take a room. The fact is you are more likely to maximize the profit of selling your home if you spruce up and pare down to essential, less personal items. Here is a declutter guide to get you started.

Make Cleaning a Game

Sure, you’ve cleaned your home and it’s ready to be put on the market, but you also live in it with your busy, messy family. It’s hard to keep it clean for more than a minute. One of the best ways to keep your house clean is to involve the kids by making cleaning fun and turn house cleaning into a game. Momtastic suggests making a toddler cleaning kit for kids who like to mimic what their parents are doing or have a laundry race whereby you shout out a color, blow a whistle and send the kids off to their rooms to pull any dirty items in that color. You can also try a game of laundry basketball. Once the kids get into it, it’ll be easier to maintain.

Know Your Worth

Before you list your property, consider checking out other home listings in your area. By determining how competitive your market is, you’ll have a better idea of what buyers are expecting and looking for. Not to mention you can see what the competition is up to. For example, the average price for a home sold in Orlando, Florida was $239,000 last month. You wouldn’t want to list your similar in size and amenities home for $400,000, as you may not get any looks. Understanding “comps” in your area, or comparables, is key to being successful in selling your home. A professional real estate agent will be able to guide you on where to start.

Staging is Key

Not all homebuyers will have children. Think about modifying the game room into a more grown-up office or flex space. Equally true, not all homebuyers will want an in-home office. The point is buyers shouldn’t have to guess the purpose of a room. Give rooms their purpose. Staging will help define what each room is generally to be used for. The Home Buying Institute offers 14 reasons to stage your home before you sell. Some include getting a head start on packing, giving the impression of a well-maintained house, and giving buyers a great first impression when they enter, among other things. Staging can even be done on a budget: freshen up with a can of paint, rearrange furniture or use slipcovers when necessary.

Selling your home can be a stressful time, but getting the kids involved with the cleanup and maintenance is doable. Make a game out of cleaning and reward the kids with hugs and kisses. Keeping your house clean and welcoming is key to selling your home!

Article submitted by: 

Kris Louis

Check out her website: Parentingwithkris.com  

kristin@parentingwithkris.com