Scotsman Guide > Residential > Directories > Niche Lenders

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5 Arch Funding Corp.
5 Arch has financed hundreds of SFR (1-4) rehab/remodel projects. Minimum property value of $75K. Loans range from $75k to $4M, have 6 to 12-month terms and may go up to 85% LTV. Simple fund control with quick draws is also available. Our borrower-centric programs offer loans that are interest-only with no prepay. We can pre-approve in 24 hours and fund in 3 to 5 days. Brokers welcome!
Lending Territory: AZ, CA, CO, FL, GA, HI, IL, IN, KS, MD, MO, NV, NY, NC, OR, SC, TN, TX, UT, WA

ACC Mortgage Inc.  
ACC Mortgage offers financing up to 80% of total project cost on non-owner-occupied properties including, but not limited to, SFR and multi-units. Loan size is 100k +. Brokers protected. 
Lending Territory: NATIONWIDE

Amerifund Home Mortgage
We offer jumbo, no max cash-out for fix-n-flips, typically 65% of after repair value, no prepay, $500K - $20M.
Lending Territory: NATIONWIDE except AL, KS, KY, LA, MN, MO, MS, MT, WY

Builder Finance Inc.
We offer fix-n-flip financing to builders, developers and investors for SFR, 2-4 family units, condos and townhouses. 9% interest; Max LTV is 80%; Max ARV is 75%; 7 month terms (extensions available). Loans from $100,000 to $350,000.
Lending Territory: AL, CO, CT, FL, MA, NC, NY, PA, SC, SD, TN, VA

Capstone Financial
Capstone Financials wheelhouse is fix-n-flip. Fast funding so your clients can secure the best deals at the lowest underpriced values. 80% of purchase, no prepayment. Free extensions on 6 month loans; 12, 24, and 36 terms also available.
Lending Territory: NATIONWIDE

Civic Financial Services  
Civic Financial Services is a private money lender based in Southern California. We specialize in the financing of non-owner-occupied investment properties. Funding deals in 3-10 days. Lend up to 75% LTV. No FICO minimum required. Foreign national program available. Direct lender with access to institutional capital. Interest only payments. Straighforward terms, quick decisions, fast closings. Ask us about our investment property inventory.  
Lending Territory: NATIONWIDE AZ, CA, FL, OR, TX, WA

Equity Wave Lending
Purchase SFR, condo and some cases commercial properties to fix and flip with up to 75% LTV, may require fund control for repairs and/or bank statements to support funds to rehab, low to high FICO, stated income, valid ID required. Loans are fixed rate, 1-3 year terms, payment amortized over 40 years, 0-1 year prepayment penalty option.
Lending Territory: CA

First Rehab Lending Inc. welcomes all investors to our direct private lending niche program! Financing 90% LTV, 100% rehab funds, maximum 75% ARV. Also 65% cash-out on refinance. No minimum FICO. No financials. Interest only; no prepayment penalty, non-owner-occupied; 1-4 units; condos. $100K - $1.25M; 12-month term plus. $1M lines of credit.
Lending Territory: NATIONWIDE

Home Bank of California
We offer financing on 1-4 unit residential properties looking to rehab and remarket up to 65% LTV. Portfolio lender, fast response, fast funding, competitive rate and terms.
Lending Territory: Southern CA

LendingHome Funding Corp.
1-4 Residential. Reliable capital. Competitive terms. Transparent process. Best broker program!
Lending Territory: AZ, CA, CO, FL, GA, IL, MI, MO, NC, NV, NY, OH, OR, PA, TN, TX, VA, WA, WV

Pacific Private Money Loans
Broker friendly with quick turn times and loan scenario responses. Fast fundings. Up to 72% LTV for fix and flip transactions. Direct Lender. Call or email for more information on programs. Ranked by Scotsman as one of the top 5 hard money lenders in 2014!
Lending Territory: CA, HI

Pivotal Capital Group II LLC   
Southern CA property locations. 1st lien only. Direct lender loaning our own money (we do not sell loans and we service in-house). Non-owner-occupied, 1-4 unit residential properties will be renovated and resold. Properties requiring major repairs are not a problem (including structural square footage additions or reconfigurations). Loan size $100,000 to $15,000,000+ per property. very competitive rates, points, fees and leverage. 6-12 month term, plus extension options. No appraisals, no personal guaranty, no prepayment penalties. 
 Lending Territory: CA

Pyatt Broadmark Management LLC
A branch of our construction program that allows you to acquire a property and provide an improvement budget to rehab/fix, in a short amount of time and flip at a profit.
Lending Territory:  ID, OR, WA

RCN Capital
RCN Capital is a direct, private lender that provides fix and flip financing for 1-4 family non-owner-occupied residential real estate. We will lend up to 85% of the purchase price and up to 100% of the rehab costs, not to exceed 75% of the after repair value. Loans from $75K to $2.5M for 12 month term. Commitment letters issued in as little as 48-hours with closings in as few as 10 business days. Broker protected.
Lending Territory:  NATIONWIDE except MN, NV, SD

We offer expedited fix & flip loans to non-owner occupied properties. Our loans range from 50K to 300K with 3-12 month terms. We require 1st lien position on the property and principal and interest is due at maturity. We prefer to lend up to 75% LTV, but evaluate each loan on a case-by-case basis. Brokers are always welcome!
Lending Territory:  NATIONWIDE

SDC Capital Funding
We are a private lender based in Los Angeles. We provide bridge financing on residential and commercial properties located in California. We are an asset based lender so we do not require pay stubs, income tax returns, etc. We underwrite loans based on our own guidelines, which allows us to approach underwriting logically and efficiently. We generally lend up to 70% of value, higher with exception.
Lending Territory: CA

Seattle Funding Group Ltd.
Loan amounts up to 3M. Up to 2 year loan term. Loan to Cost up to 85%. Custom draw schedules that support your project. Ability to close within days. Multifamily or single family fix and flip. Non-owner occupied. We lend to individuals, corporations, LLCs, partnerships, trusts, estates, international investors, etc. No prepayment penalties.
Lending Territory: AK, AZ, CA, CO, HI, ID, NV, OR, TX, WA

Velocity Mortgage Capital
We are more ideal for buy-and-hold investors, but with our two-point rebate add-on, you can now pass down the YSP to your investor and our rates will still beat hard-money lenders, even with a 1% PPP.
Lending Territory: NATIONWIDE

Visio Financial Services
Our 12-month investor-only fix and flip loan product is interest-only and designed specifically for flippers with rates as low as 11.99%. We also offer the flexibility of a 10-year, due-in-3 loan to investors with rates as low as 12.99%. Both no-doc loans carry LTVs up to 75% with minimum FICO scores of 630 and no prepayment penalty. Fast, simple and dependable, we close in weeks not months
Lending Territory: NATIONWIDE except AK, AZ, CA, DC, DE, HI, ID, KS, MA, MN, MT, ND, NE, NV, OR, RI, SD, VT

Click on the company name to see its contact information from the Residential Lender Directory. Don't forget to tell lenders you found them in Scotsman Guide. Please click here  to request adding a topic or lender to this section. 


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