Whether it’s a single-family house, multifamily complex, commercial building, business asset or mortgage note, all of our investments are secured by a tangible asset. We either have a first lien on the property or own the property or asset outright.

We prefer to lend between 50% and 70% loan to value so in the event of a delinquent borrower or market downturn, we have substantial equity to preserve our capital and recover lost interest.

We buy our Investment properties under market value or have substantial upside potential after repairs are made. If we plan to hold the property an attractive cap rate is projected or in place prior to purchase. We purchase mortgage notes or portfolios at a discount.

Our goal is to have substantial equity
in place before any investment is made.

INVESTMENT LOAN CRITERIA

    • Is there any additional collateral we can lien to help lower the LTV?

    • How liquid is the property or asset should we have to take it back and sell?

    • Are there additional cash reserves, retirement accounts or additional revenue streams?        

    • How strong is the borrower's credit and financial strength?

    • How long has the borrower been in business?

    • How do we get paid off

    • Does the borrower have a strong exit strategy?

    • Does the borrower have any additional guarantors?

We combine traditional bank underwriting
with common sense lending.