Realtypreneurs | Build your empire

Loan Programs

Short-Term & Long-Term Financing

for Real Estate Investments

Realtypreneur’s offers short-term and long-term financing options for Non Owner Occupied Real Estate Investments. Whether you are looking to fix & flip properties or hold properties for rental income, Realtypreneur has flexible options that are suited to your needs.

FIX AND
FLIP

GROUND UP CONSTRUCTION

MULTIFAMILY BRIDGE LOANS

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FIX AND FLIP

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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