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 $100K to $350K.
Lending Territory: AL, CO, CT, FL, MA, NC, NY, PA, SC, SD, TN, VA

Capital Three Sixty LLC  
Residential fix-n-flip, 85/100%, FICO as low as 600, no tax returns for loans less than $500K, fast closings.
Lending Territory: NATIONWIDE except MN, ND, NV, OR, SD, VT

Capstone Financial
Capstone Financials wheelhouse is fix-n-flip. Fast funding so your clients can secure the best deals at the lowest under-priced 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. Straightforward terms, quick decisions, fast closings. Ask us about our investment property inventory.
Lending Territory: NATIONWIDE AZ, CA, FL, OR, TX, WA

Direct Lending Partners
580 min. FICO. Maximum 90% loan to cost and 70% ARV. Loans for refinance or acquisition. Heavy rehab OK! Rates range from 8%-13%. 6-9 month interest only. No prepayment penalty. Common-sense underwriting and we have full discretionary capital. Borrowers with flip experience are preferred, but can approve new investors. 
Lending Territory: AL, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MD, MO, NC, NE, NJ, NY, OH, OK, PA, SC, VA, WA, WI, WV, WY, UT

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

No-doc loans from $15K-$1M, 17-yr. term. Aggressive rates, high LTVs, no prepays or balloons. Loans to self-directed IRAs and transaction funding. 24-hr. funding. No appraisals needed. Fire insurance only.  
Lending Territory: NATIONWIDE ex. AK, AZ, CA, ND, NV, NY, OR, SD, UT, VT  

First Rehab Lending Inc.
FRL 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

FMC Lending 
Fix-n-flip direct alternative lender. $50,000 - $12,000,000 loan limits. 70-75% LTV. 80% case-by-case. All property types. All property conditions. Remodel, rehab, construction ground up, construction completion. Direct private money lender - asset based. Fast 7-day close. No credit needed. Bad credit OK. 400+ FICO allowed. Bankruptcy allowed. Foreclosure bailout allowed. Debtor in possession allowed. No doc stated loan programs; non-owner or second home. No tax returns. No bank statements. Same day approvals. 
Lending Territory: CA, CO, DC, FL, NC, TX, WA

Hilton Financial Corp.
Non-owner occupied, 1-4 unit stick build, renovations, distress sale acquisitions. LTV's up to 69% of completed value, up to 90% LTC. Stated income, fixed rates. Terms: up to 36 months interest only, 5-year balloon with 10- or 15-year amortization.
Lending Territory: AZ, CO, OH, UT

Layla Capital LLC
Up to 65% LTV.

Pacific Private Money Loans
Broker friendly with quick turn times and loan scenario responses. Fast funding. Up to 72% LTV for fix-n-flip transactions. Direct lender. Call or e-mail for more information on programs.
Lending Territory: CA

PB Financial Group Corp.

We can offer stated fix-n-flip loans up to 70-80% of the purchase price, no appraisal options available, close of escrow within 5-7 days and no fund control hold back required. Quick and simple for experienced investors who have cash to put down and do their own rehab.
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

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

Sprout Mortgage
Experience a simplified approach to renovation lending and common sense underwriting! Up to 90% LTV on acquisition, up to 90% of repair budget, up to 75% ARV. 1 - 4 family, condos and townhomes. Non-owner occupied, must be vacant at closing. 12-month loan with competitive rates and terms. Interest reserve available, loan amounts to $2M.
Lending Territory: NATIONWIDE

Triumph Capital Partners
Funding for fix-n-flip investors. Financing up to 85% of purchase and 100% of rehab. Up to 75% LTV and 90% Loan to Cost. Close in as little as 5 days. SFRs, condos, 1-4 units and mixed-use.
Lending Territory: AZ, CA, CO, FL, IL, MA, 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

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