A Variety of Unique Investment Property Construction Loan Programs

Investment Property Loans

Investment Property Construction Loans - Guidelines and Highlights.

Below is a list of some of our "Investment Property" Construction loan program options.

Let us know if you have any questions. Do not try to pre qualify yourself; call Customer Service 858-222-7534 to speak to a Mortgage Expert or fill out a Pre Qualification form, credit check not required.

  • Hard Money Super Jumbo

    Residential Hard Money


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    Purchase, Rate&Term Refinance

    Cash Out Refinance

    Bridge loans

    Blanket loans


    Foreclosure Avoidance OK

    Eligible Occupancies:

    Non-Owner only

    Super Jumbo Loan Amount:


    Eligible Property Types:


    High Rise Condos

    Non-warrantable Condos

    1-4 Units

    Eligible borrowers:

    Foreign Nationals

    Foreign corporations

    Non-resident alien

    Legal Entities:





    Florida only

    Underwriting notes:

    Purchase seasoning not required for cash out refinance


    Ref #155524012115

  • Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000


    Purchase - Owner Occupied

    Property Type Credit Score LTV Maximum Loan Amount
    SFR 720 80% $1,500,000
    SFR 720 70% $1,000,000
    SFR 720 75% $2,000,000
    SFR 720 70% $2,500,000
    1-2 Units 720 65% $1,000,000
    1-2 Units 720 60% $1,500,000



    Cash Out Refinance - Owner Occupied

    Property Type Credit Score LTV Maximum Loan Amount Maximum Cash Out
    SFR 720 70% $1,000,000 $250,000
    SFR 720 65% $1,000,000 $250,000
    SFR 720 65% $1,500,000 $500,000
    SFR 720 60% $2,000,000 $500,000
    SFR 720 50% $2,500,000 $750,000


    Loan Amount / Liquid Assets:

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    • 1 million / 6 months reserves (Equal to 6 months of housing expense, principle, interest, tax, and insurance)
    • 1,000,000 to $1,500,000 / 9 months reserves
    • $1,500,000M to $2,000,000 / 12 months reserves
    • $2,000,000 to $2,500,000 / 18 months reserves
    • $1,000,000 maximum loan amount for first time home buyer

    Acceptable income:

    • Rental income
    • Alimony and child support income
    • Note income
    • Capital gains
    • Dividends
    • Stocks options

     Cash Out available for Second Home

    Available terms:

    • 15 year fixed
    • 30 year fixed
    • 5 year ARM
    • 7 year Arm
    • 10 year ARM

    Underwriting Notes:

    • No mortgage insurance needed
    • 6% maximum gift funds ok
    • Down payment Sourced:
    • Equity Gift ok
    • Seller contributions ok
    • Gift funds ok

    Credit Notes:

    • No bankruptcy, foreclosure or short sale
    • Minimum 2 open tradelines
    • Construction to permanent ok
    • Broker credit report ok (no extra credit check)
    • Detached Condos OK
    •  All 50 states


    Ref# 147 525012215

  • Stated Income / Verified Assets

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    Minimum Credit Score - 660

    Maximum Financing 70% LTV


    Primary / Owner Occupied

    Second / Vacation Home

    Investment property / Non Owner Occupied

    This lender offers 3 alternative income documentation programs:

    Full Doc:

    For Self/Employed and W-2 wage earners

    Bank Statements:

    • For Self/Employed and W-2 Wage Earner Co-Borrowers

    Gross Sales for Investment properties

    • For Self/Employed - Gross Income amount utilized to calculate debt ratios

    Terms Available:

    ARM 30 year amortized

    Property Type:


    Condos <4 stories


    2-4 Units


    File will need to document Ability to Repay depending on total loan scenario


    Loan Amounts:

    Maximum loan amount - $500,000

    Senior Underwriter approval to $800,000


    Fix and Flip - OK


    Cross Collateral OK



    Arizona, California, Colorado, Florida, Georgia, Idaho, North Carolina, Oregon, Texas, Utah, Virginia, Washington


    Reference - 124 526020315

  • This hard money lender will do primary residential loans which are somewhat rare.


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    • Purchase
    • Refinance, Rate & Term and Cash out
    • Refinance - Cash Out. $750,000 Maximum
    • Construction
    • Bridge Loan
    • Blanket Loan

    Loan Amounts:

    $125,000 to $5,000,000

    Eligible Property Types:

    • Single Family Residence SFR
    • 1-4 Unit residential and commercial
    • Condos
    • Townhomes
    • Non-warrantable condominiums
    • Mixed-use

    Eligible Occupancies:

    • Owner Occupied
    • Non Owner Occupied
    • Non-Occupant c-borrower OK

    Eligible Borrowers:

    • Foreign Nationals
    • Foreign legal entities
    • Probate OK

    Underwriter Notes:

    No seasoning requirements for Foreclosure, Bankruptcy, Short Sale, Notice of Default, Notice of Sale


    Reference# - 44154

  • No Income No Asset Verification

    Foreign Nationals - OK

    Unique mortgage loan program designed for the Residential Real Estate Investor.

    Income Documentation: None

    Employment Type: None

    Nationwide Private Mortgage Lender

    This is a Private Money lender that has funded thousands of loans nationwide.

    Private direct lender specializing in Single Family Residences up to 1-4 units. Multiple loans for investors in all 50 states, One of the good things about this lender is they have over 25 years of real estate investing experience; they know how to underwrite a loan because they understand the residential real estate investment market because they themselves have bought and resold nearly 15,000 homes and have originated more than 4200 loans since they were founded in 2002; loans for investors, by investors.

    This is a true No Doc hard/soft money lender with national reach. No Income-No-Assets-No Employment. Closings average 10 to 15 business days from application. Loan amounts down to $125,000 and up to $300,000, all No Doc and greater than $300,000 on a case by case basis.

    Credit Scores and Hard Money

    Credit scores down to 580 or no score ok. Foreign Nationals also qualify. An investor can utilize this loan program for either a purchase or refinance. 30-day seasoning for cash out using new appraised value. This is a direct lender and they make all decisions in-house with over $200,000,000 to lend. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person name or business entity.

    This loan program only requires an application, payment for the appraisal, 2 forms of ID and or corporate documents if applicable, title commitment and homeowners insurance.

    Loan Program Guideline Overview and Highlights:

    No prepayment penalties 

    Loan Purpose

    Flip Only Flip or Rent Flip or Rent Rent Only Rent Only


    6 Months 60 Months 36 Months 36 Months 36 Months
    6 Months Interest Only 5 Years Fully Amortized 10 Years Due in 3 Years 15 Years Due in 3 Years 30 Years


    Interest Only 5 Years 10 Years 15 Years 30 Years

    Loan-to-Value (LTV)

    70% of market value - Purchase - 55% of market value - Refinance $90,000 $90,000

    Minimum Property Value

    $40,000 - Purchase - $50,000 $90,000 $90,000

     Property Condition

    C1 - C5 C1 - C4 C1 - C4 C1 - C4 C1 - C4 


    Information on "C" property rating:


    Loan Purpose


    Cash out refinance - 30 days seasoning required

    Credit Scores

    580 or no score OK

    Pricing is Credit Score driven

    Credit Criteria:

    • Bankruptcy OK
    • Foreclosure OK
    • Short Sale OK
    • Loan Modification OK

    Loan Amounts:

    • Minimum Loan Amount: $125,000
    • Maximum Loan Amount: $300,000

    Greater than $300,000 on a case-by-case basis 

    Maximum LTV

    • 70%

    LTV guidelines are based on the After-Repair-Value (ARV) 

    Property Types:

    • SFR
    • 1-2 Units
    • 1-4 Units 


    Reference # 540 061715 21-9-19

  • Home Builder Construction Loan Program

    This is a short-term construction loan for home builders for subject properties located in Arizona, California, Colorado, Idaho, Illinois, Michigan, North Carolina, South Carolina, Ohio, Oregon, Texas, Utah, and Washington.

    Stated Income goes to 1 Million

    • 70% LTV (loan-to-value)
    • 85% LTC (loan-to-cost)

    Loan Amounts:

    • Maximum Loan Amount - 1 Million
    • Minimum Loan Amount - 50K

    Available Terms:

    • 4 months
    • 6 months
    • 9 months
    • 12 months

    Shorter-term - lower cost

    Blanket Loan available

    Construction Completion

    Draw Disbursement

    Eligible Property Types:

    • Single FamilyResidence SFR
    • 2 Unit
    • 3 Unit
    • 4 Unit


    • Owner Occupied and Non Owner Occupied

    Eligible Borrowers

    • Legal Entities - Yes
    • Foreign Nationals - Yes

    Underwriting Notes:

    Lender qualifies the lowest middle credit score of both borrowers