Hard Money Loan-To-Value* General Guidelines
Property Type Purchase or Rate/Term Refinance
Southern CA Purchase or Rate/Term Refinance
Northern CA Cash-Out Refinance
Southern CA Cash-Out Refinance
Northern CA Other States ** Purch or Refi Owner-occupied residential 1-4 unit SFR, condo, townhome
(metro - urban areas)
Reduced LTV for manufactured homes on owned land -- no rural
Loans based on:
"As-Is" value only
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE Other states:
Not Available Non-Owner-Occupied (investment or 2nd home) residential SFR, condo, TH
(metro - urban areas)
Reduced LTV for manufactured homes on owned land -- no rural
Loans based on
"As-Is" value only
Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS
Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS Other states:
Not Available
Commercial Income
5+ unit apartments
Office, Retail, other income-producing commercial
1st, 2nd, 3rd TDs
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Other states: minimum loan of $250,000 Commercial Non-Income
Industrial Manufacturing
Warehouse
Up to 60% Up to 60% Up to 60% ** Up to 60% ** Other states: minimum loan of $250,000 New Construction — Residential SFR
(metro areas only--no rural)
Up to 65% of of total project cost. NOT based on % of finished value Up to 65% of of total project costs. NOT based on % of finished value ------------ Not Available New Construction — Commercial
Up to 65% of of total project cost. NOT based on % of finished value Up to 65% of of total project cost. NOT based on % of finished value ------------ --Other states: minimum loan of $500,000 Residential improved subdivision lots – 1st TD only
(no rural, remote, non-entitled, or AGRI zoning. Not intended for developer financing)
Up to 50% with all utilities to lot line
Proof of income and good credit required Up to 50% with all utilities to lot line
Proof of income and good credit required No Cash-Out on lots / land
No Cash-Out on lots / land
Not Available Commercial vacant land / lot – 1st TD only
See Other Land Loans
Metro - Urban commercial lots only--no rural
Up to 50% with all utilities to lot line
Proof of income and good credit required Up to 50% with all utilities to lot line
Proof of income and good credit required
No Cash-Out on lots / land
No Cash-Out on lots / land Not Available
Property Type Purchase or Rate/Term Refinance
Southern CA Purchase or Rate/Term Refinance
Northern CA Cash-Out Refinance
Southern CA Cash-Out Refinance
Northern CA Other States ** Purch or Refi Owner-occupied residential 1-4 unit SFR, condo, townhome
(metro - urban areas)
Reduced LTV for manufactured homes on owned land -- no rural
Loans based on:
"As-Is" value only
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Minimum loan amount of $100,000
NO HARD MONEY REHAB LOANS. CALL ME FOR AN ALTERNATIVE Other states:
Not Available Non-Owner-Occupied (investment or 2nd home) residential SFR, condo, TH
(metro - urban areas)
Reduced LTV for manufactured homes on owned land -- no rural
Loans based on
"As-Is" value only
Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS
Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS Up to 65% 1st TD
Up to 60% CLTV 2nd
Minimum loan amount of $75,000
NO RESIDENTIAL INVESTOR REHAB LOANS Other states:
Not Available
Commercial Income
5+ unit apartments
Office, Retail, other income-producing commercial
1st, 2nd, 3rd TDs
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Up to 65% 1st TD
Up to 60% CLTV 2nd or 55% 3rd TD
Commercial Rehabs OK!
Minimum loan amount of $100,000
Other states: minimum loan of $250,000 Commercial Non-Income
Industrial Manufacturing
Warehouse
Up to 60% Up to 60% Up to 60% ** Up to 60% ** Other states: minimum loan of $250,000 New Construction — Residential SFR
(metro areas only--no rural)
Up to 65% of of total project cost. NOT based on % of finished value Up to 65% of of total project costs. NOT based on % of finished value ------------ Not Available New Construction — Commercial
Up to 65% of of total project cost. NOT based on % of finished value Up to 65% of of total project cost. NOT based on % of finished value ------------ --Other states: minimum loan of $500,000 Residential improved subdivision lots – 1st TD only
(no rural, remote, non-entitled, or AGRI zoning. Not intended for developer financing)
Up to 50% with all utilities to lot line
Proof of income and good credit required Up to 50% with all utilities to lot line
Proof of income and good credit required No Cash-Out on lots / land
No Cash-Out on lots / land
Not Available Commercial vacant land / lot – 1st TD only
See Other Land Loans
Metro - Urban commercial lots only--no rural
Up to 50% with all utilities to lot line
Proof of income and good credit required Up to 50% with all utilities to lot line
Proof of income and good credit required
No Cash-Out on lots / land
No Cash-Out on lots / land Not Available