Realtypreneurs | Build your empire

REAL ESTATE
ENTREPRENEURS

BUILD THE FUTURE YOU DESERVE

Get the funding you need

OUR LOAN PROGRAMS

COMMON SENSE UNDERWRITING AND FAST APPROVALS

CLOSING IN AS FEW AS 10 BUSINESS DAYS

REFERRALS VALUED & BROKERS PROTECTED

COMMITTED TO THE HIGHEST LEVEL OF CUSTOMER SERVICE

The three step process to complete your application

1

Submission

2

Underwriting

3

Closing

ABOUT REALTYPRENEUR

Capital for the modern Real Estate Entrepreneur

For years Real estate has been the most profitable vehicle that has made many investors  wealthy. However, it has been reserved for those with specialized knowledge, connections and deep pockets . This has kept the average person from learning and investing in real estate. While managing my real estate company and my real estate investment company, Realtypreneurs CEO Edwin Vela identified three key insights that other private lending institutions were locking . His goal of sharing these insights would soon lead to the founding of Realtypreneur Inc.

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FIX &
FLIP

  • PROPERTY TYPES: Residential (1-4 Units)
  • LOAN AMOUNT: $50,000 - $25,000,000
  • MAXIMUM LOAN TO COST:
    90% of Purchase and 100% of Rehab Costs
  • MAXIMUM TOTAL LOAN TO COST:
    N/A - see above
  • MAXIMUM LOAN TO ARV: 75%
  • TERM LENGTH: Up to 12 months
  • Credit Score 620

GROUND UP
CONSTRUCTION ​

  • PROPERTY TYPES: Residential (1-4 Units)
  • LOAN AMOUNT: $50,000 - $2,000,000
  • MAXIMUM LOAN TO COST:
    50% - 65% of Purchase (Land-Permitted Projects) and 100% of Rehab Costs
  • MAXIMUM TOTAL LOAN TO COST: 85%
  • MAXIMUM LOAN TO ARV: 75%
  • TERM LENGTH: Up to 18 months

MULTIFAMILY
BRIDGE LOANS​

  • PROPERTY TYPES: Residential (5+ Units)
  • LOAN AMOUNT: $500,000+
  • LOAN TYPES: Interest Only | Fixed/Adjustable Rate Mortgage Options
  • MAXIMUM LOAN TO COST:
    ▪ Purchase Loans: 80% of Purchase / As-is Value + 100% of Rehab Costs
    ▪ Refinance Loans: 75% of As-is Value + 100% of Rehab Costs
  • MAXIMUM LOAN TO STABILIZED VALUE: 75%
  • TERM LENGTH: Up to 24 months + Two 6-month Extensions
  • MINIMUM GUARANTOR FICO: Mid-Score of 680

SINGLE FAMILY
RENTAL LOANS​

  • PROPERTY TYPES:
    Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos/Eligible Mixed Use
  • LOAN AMOUNT: $75,000 - $2,000,000
  • LOAN TYPES:
    ▪ 30-yr Fixed Rate Mortgage (Fully Amortizing)
    ▪ 5/1, 7/1, 10/1 Hyrbid ARMs (Partial IO or Fully Amortizing)
  • MAXIMUM LOAN TO COST:
    ▪ If Owned < 3 months, 80% of Total Cost Basis
    ▪ If Owned Between 3 and 6 months, additional 5% haircut on Max Eligible LTV
  • MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO FICO):
    ▪ Purchase/Rate Term Refinance: 80%
    ▪ Cashout Refinance: 75%
  • MINIMUM DEBT SERVICE COVERAGE RATIO: 1.20x (Gross Rent/PITIA)
  • TERM LENGTH: 30 Years
  • RECOURSE: Full Recourse Only
  • MINIMUM GUARANTOR FICO: Mid-Score of 680
  • LEASE REQUIREMENTS:
    ▪ Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
    ▪ Unleased Units: 90% of Market Rent (Purchase Loans only)

RENTAL
PORTFOLIO ​

  • PROPERTY TYPES:
    ▪ Single Family/2-4 Unit/Townhomes/PUD/Warrantable Condos/Eligible Mixed Use
    ▪ 5-20 Unit Properties allowed up to 15% of Loan Amount
  • LOAN AMOUNT: $150,000 - $50,000,000
  • LOAN TYPES: :
    ▪ 5, 10 & 30-yr Fixed Rate Mortgage :
    ▪ 5/1, 7/1, 10/1 Hyrbid ARMs (Partial IO or Fully Amortizing)
  • MAXIMUM LOAN TO COST: :
    ▪ If Owned < 3 months, 80% of Total Cost Basis:
    ▪ If Owned Between 3 and 6 months, additional 5% haircut on Max Eligible LTV MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO MINIMUM FICO): :
    ▪ Purchase/Rate Term Refinance: 80% :
    ▪ Cashout Refinance: 75%
  • MINIMUM DEBT SERVICE COVERAGE RATIO: :
    1.20x (Net Cash Flow/Debt Service)
  • TERM LENGTH: 5, 10 & 30 Years
  • RECOURSE: Non Recourse with bad-boy carveouts and Pledge of Equity of Borrowing Entity MIN GUARANTOR FICO: Mid-Score of 680
  • LEASE REQUIREMENTS: Minimum Occupancy Rate of 90% by Unit Count

MULTIFAMILY
TERM​

  • PROPERTY TYPES: :
    ▪ 5+ Unit Residential Properties :
    ▪ Eligible Mixed Use
  • LOAN AMOUNT: $500,000 - $5,000,000
  • LOAN TYPES: :
    ▪ 30-yr Fixed Rate Mortgage, or :
    ▪ 5/1, 7/1, 10/1 Hyrbid ARMs (Partial IO or Fully Amortizing)
  • MAXIMUM LOAN TO COST: :
    ▪ If Owned < 3 months, 80% of Total Cost Basis:
    ▪ If Owned between 3 and 6 months, additional 5% haircut on Max Eligible LTV
  • MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO FICO): :
    ▪ Purchase/Rate Term Refinance: 75%:
    ▪ Cashout Refinance: :
    • 75% for loans ≤ $3MM :
    • 70% for loans > $3MM
  • MINIMUM DEBT SERVICE COVERAGE RATIO: 1.25x
  • TERM LENGTH: 30 Years RECOURSE: :
    ▪ Full Recourse, or :
    ▪ Non Recourse with bad-boy carveouts and Pledge of Equity
  • MINIMUM GUARANTOR FICO: Mid-Score of 680
  • LEASE REQUIREMENTS: Minimum Occupancy Rate of 90% by Unit Count

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