Hard Money and Private Funds Available for Investors


Hard Money & Private Funds Available for Investors
Loans from $75,000
Not many lenders arrange loans as small as $50,000. We will!
Fix and Flip
We lend up to 90% of the purchase price and 100% of the renovation budget. In addition, we don’t charge interest payments on the rehab dollars until it is drawn.
Competitive rates and fees 
You came to the right place if you are looking for a private or institutional hard money!
Bail Out Loans
An equity-based program. If we can keep it under 65% LTV, we can bail
you out in 7-10 days. (Only CA and TX)
Commercial, Land, Agricultural and Specialty Properties
Commercial, apartments, land, Wearhouse, partially completed construction projects, industrial, automotive and many other types of properties are those we lend on.
2nd and 3rd Mortgages
We arrange second and third mortgages every month.  (Only CA, TX)
Construction Completion/Development Project
Got construction project? We have multiple ways to structure your file, so you can complete your project and get it sold!
Business/Merchant Funding
Do you need working capital/payroll/expansion for your business? We
can fund in 5-7 days. To qualify, all we require is the business to be
established for at least 6 months and provide 6 months business and
credit card-merchant processing statements. 
                                                                     
Long Term Rental Loan Programs                                                                      We offer 5,7,10 and 30-year fixed term, starting at 5.875% rate and can
leverage up to 85% LTV

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Looking for Investors with Liquid Funds to deploy on 2nd Trust Deed Opportunities


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If you aren’t meeting your financial goals this year due to lack of deals, consider investing in 2nd Trust Deed opportunities or Gap Loans, as they are affectionately called.

You get handed the best deals on a silver platter – without the responsibility of marketing, lead generation, follow-up, deal structure, project management, etc. you earn upfront points, monthly interest payments and profit splits at the end.

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I’m looking for Investors who want to invest in 2nd Trust Deeds, who have between $150K-$10M to deploy NOW on primarily California  Non-Owner Occupied & Commercial loans. But we are also working with borrowers in NV,CO,WA,AZ,FL,GA,NY who are in need as well.

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Every lender wants to make loans to the best operators: these are the investors with lots of experience, stable business models and capital reserves..but the catch 22 is: these guys already have lender relationships, one that offers (too good to pass up) terms, usually 100% of their acquisition costs, 100% of their rehab costs, and interest reserves to cover the payments for 6-18 months.

So the best way for a lender to work with the best operators is to come in as a Gap lender in 2nd position, but since the interest payments are covered on the 1st TD and rehab budgets are controlled, it offers a great opportunity to make a safe loan with a high return.

Usually the Gap loans are from $100k-$500k and short-term, 6-12 months, they may cover closing costs, rehab or costs to acquire permits and plans, which would enable the next stage of funding.

Somerset 3

Rancho Rendering

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I’m looking to connect with individuals who have experience in making trust deed loans.

  • These investors can enjoy passive income from 9.99%-13% + per annum, plus a generous split of the profits.
  • The loans are secured by trust deeds and will be 2nd Trust Deeds.
  • I have over 13 years experience in real estate with 7+ years in finance.
    I’ve developed relationships with top industry professionals to source them private financing options for Fix and Flips, Ground-up Construction, Luxury Re-Developments, Commercial Multi-Family, Mixed-Use Acquisitions & Refinances, also Credit lines for Flippers.The operators I work with agree to Joint Venture structured loan programs to enable the investor to earn attractive returns.The subject properties are located in: **CA,FL,GA,TX,AZ,NV,WA major areas and are non-owner occupied or commercial.

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  • Rehab Funds are always held in control to protect the investors.
  • Everything can be turnkey: Servicing, Foreclosure (if necessary) Project management/Rehab & finally disposition.
  • With a full pipeline, you can immediately deploy your funds to work on low LTV deals with turnover of those funds at least twice per year.  In fact, I constantly get requests from investors needing funds for their Gaps..
  • Escrow & Title with every transaction.
  • Investors receive full due-diligence file before making decision or deploying funds.If interested inquire below or email me.

Greg@FixAndFlippers.com

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Business Funding & Gap Funds for Investors


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As a consultant, I often hear of the “growing pains” business-people suffer when attempting to scale up their businesses.
I tend to work with a lot of real estate investors to raise capital for their businesses.  Working capital allows them to have funds for marketing, expenses, and fills in the gaps from hard money.  Their funding range is typically from $50k -$150k.
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I partnered with a company that helps business owners secure unsecured business lines of credit .  The credit lines are based on personal credit, however, the lenders we work with ONLY report to the business credit bureaus (Dunn & Bradstreet, Corporate Experian, and Equifax Commercial).  This is advantageous to the business owner in three ways:
1. You are establishing business relationships with quality lenders.
2. You are building your business credit profile.
3. Even if the lines are maxed out, it will not affect the business owners personal credit.  

Other Aspects of the Program:

Requirements:
1. Must have a business entity registered with the state (s-corp, c-corp, or LLC)
2. Must have a personal credit score of 680 or Higher or the option of using a credit partner (Lower scores can be use on a case-by-case basis)

Features and Benefits:

1. 0% interest for the first 6-12 months.
2.  NO Upfront fees or costs.
3.  Approval decision within 7-15 business days.
4. Complimentary consultation and business analysis.
5. NO income verification,
6. No collateral required.
7. Credit lines are unsecured.
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They do not charge any up front fee’s to clients.  They are a success based company.  After the client receives funding they charge a one time fee of 8% of the amount raised for the client.
If they do not get funding completed, they don’t get paid!

Contact Me To Get Started!

Standing in a Lenders Shoes: How They Size Up Potential Borrowers For ARV Loans


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                      From A Lender’s Eyes

I’ve had the opportunity to speak with many lenders over the last couple months. And I’ve spoken to 3 times as many home flippers.
The nature of the market has created an environment in which there are some amazing deals available.
However, these deals are becoming increasingly more complex with higher purchase prices, larger rehab budgets, and located in more exclusive communities.

This breeds a couple results:
-Lenders are more concerned about the borrowers experience with this business. (have they flipped homes before?!)
-Tighter guidelines, lower LTVs, increased scrutiny over credit, recent accounts, income and assets. (Are they responsible?!)

100% Financing Models
These were designed to offer maximum capital leverage for the professional property flippers who have proven priority examples of buying low, appropriately managing rehab budgets, complete the sale by achieving the target ROI or exceeding it, not once but multiple times.

These preferred investors know their business and they are willing to put their own “skin-in-the-game” which equates to cash, existing assets, or equity; sometimes all of the above.

The lenders don’t want to lend their money to anyone who
A.) Has no risk in the transaction
B.) Has no experience
C.) Has no money in the deal

Wait a minute Greg! Sounds like a catch 22!

It’s true.

You need a loan because you don’t have enough cash.
You can’t get the loan until you can bring enough cash to close.
How do you get the cash to start with?

I can think of a couple ways, wholesaling is one way.
The other way is: something called a Gap Lender.

Most properties don’t qualify for 100% Financing. 
(A simple exercise is: add the acquisition+rehab  then divide that by the ARV) If that exceeds .70, it does not qualify for 100% financing.)

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Gap Lenders
-If you are lucky enough to have a relationship with a lender who will loan in 2nd position, this can be used to secure the larger portion of your loan which is the acquisition portion and holding costs (monthly interest-only payments 6-12)
-The Gap Lender will be providing the rehab budget (which is actually held in control) this is an assurance to the 1st trust deed investor that the funds are present to secure the completion of the project if the borrower defaults.
-The Gap Lender will be paying the closing costs (points,escrow,title,processing)
-These are often highly sought-after capital partners.
-They are often impersonated by lenders who have no real intention of lending in 2nd position, they want to see the deal and will try to loan the acquisition portion.

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Equity Splits
-The Gap Lenders are heavily rewarded for their risk incurred.
-They earn 50% profit split on the back-end of the deal, interest-only payments, and points.
-With profits in excess of $150k in 6 month time-frames, you can see how it would be attractive.
-The borrowers are professionals, so they are available to secure the best projects with the most upside, they have large cushions built-in for Finance costs, so they happily work with Gap Lenders to secure preferred financing options.
-I’m seeing guys with profits projected to be in excess of $500k, with volume in mind, they want a good capital source that they know can/will fund their next flip. They can afford to give up 50% in exchange for JV capital in quick flip scenarios.

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Most borrowers will fit in the 80/80 program, or 80% of the acquisition, 80% of the rehab funds.

This program has borrower participation or skin-in-the-game. You will need to find those funds.

If you are a gap lender, please contact me. I have business for you.

If you are a serious, accomplished flipper and you want a relationship to deliver the largest loans possible for your flips, contact me with your scenario.

Purchase, Refi, or Cash-out

Luxury, Bread & Butter, Cross Collateralized Assets possible

Greg@fixandflippers.com | 858-386-0949