BUSINESS PURPOSE REAL ESTATE FINANCING DESIGNED FOR RESIDENTIAL investors...
- Financing for 1-4 unit non-owner occupied residential rental property
- Business friendly, flexible qualifying criteria
- Long-term financing, bridge funding, fix and flip/hold rehabilitation programs with flexible terms
- SFRs, townhomes, condos, 2-4 unit dwellings, and vacation rentals are eligible
- Residential properties must be rented or acquired with the intent to sell or rent
Key Features
- Up to a fully amortized 30-year term available with no balloon payment
- ARMs and fixed-rate options
- Interest rate and PPP buy-downs available
- Income not stated or used to qualify in most cases
- No income documentation required in most cases
- No DTI calculations used to qualify in most cases
- No sourcing or seasoning of funds required
- Credit scores as low as 640 on some loans
- Up to 95% LTV purchase (with rehab) and 75% LTV refinance
- 100% acquisition and rehab financing available (to 75% ARV with documented experience)
- Seller-paid closing costs allowed on most loans
Building a Real Estate Investment Portfolio
There is no limit to the number of properties that can be financed. That's great news for investors who want to build a large long-term portfolio. Closings can happen rapidly and business-friendly qualifying criteria allow you to close deals that traditional lenders won't even consider.
Available States
AL AR CO CT DE FL IA GA IN KS KY LA MA MD ME MI MO MS MT NC NE NH NM OH OK PA RI SC TN TX WI WV WY
Ready to Apply?
Applying is easy and takes only a few minutes. When you are ready, a financing specialist will get the process started and make sure that the necessary paperwork is in order. The following items will be required before your loan application can be submitted:
- Completed and signed Loan Application
- Signed Credit Authorization
- Photo I.D. (front and back) for each borrower/guarantor
- Three month's most recent business and personal bank statements (all pages)
- EIN number document issued by IRS
- Articles of Organization
- Operating Agreement
- A list of all entity participants with ownership percentages, titles, and email addresses.
- Fully executed purchase contract (if applicable)
- Name and contact information of agent who has or will issue hazard insurance.
- Income documentation (most recent tax return/W-2/paystub) ONLY IF applying for 100% purchase/rehab financing.
COMMERCIAL MORTGAGE ALLIANCE (CMA) SOLUTIONS
Gavin
Gavin
Gavin
Gavin used to have a great relationship with his local banker. He could secure the funding necessary to purchase real estate with little more than a signature. But times have changed. Gavin can't seem to qualify for the financing he needs through his bank anymore. Thanks to CMA, Gavin now has powerful new funding options that allow his
Gavin used to have a great relationship with his local banker. He could secure the funding necessary to purchase real estate with little more than a signature. But times have changed. Gavin can't seem to qualify for the financing he needs through his bank anymore. Thanks to CMA, Gavin now has powerful new funding options that allow his corporation to borrow against, and take tile to, the properties he acquires. Since Gavin began using CMA to fund his real estate acquisitions and refinances, his rental portfolio has grown and his business has soared.
Susan
Gavin
Gavin
Susan has been a successful real estate agent for over ten years. She recently pivoted into the non-owner-occupied real estate market by introducing CMA funding options to established investors in her area. She also helped people who have never invested before to take advantage of CMA to start new portfolios. Her business has expanded sig
Susan has been a successful real estate agent for over ten years. She recently pivoted into the non-owner-occupied real estate market by introducing CMA funding options to established investors in her area. She also helped people who have never invested before to take advantage of CMA to start new portfolios. Her business has expanded significantly as she has been able to help her clients buy and sell more non-owner-occupied properties. By using CMA Susan has become a real estate investor herself, rapidly building her own impressive residential real estate portfolio.
Sonny
Gavin
Sonny
Sonny is an experienced real estate investor who owns properties in multiple states. CMA has become his preferred method of financing new property acquisitions. With CMA Sonny has been able to leverage his borrowing capacity far in excess of anything his past lenders would allow. He was even able to refinance several of his properties at
Sonny is an experienced real estate investor who owns properties in multiple states. CMA has become his preferred method of financing new property acquisitions. With CMA Sonny has been able to leverage his borrowing capacity far in excess of anything his past lenders would allow. He was even able to refinance several of his properties at the same time to save thousands of dollars in loan fees. What Sonny likes best about CMA is that it does not require him to state his income, submit tax returns, or document the source of funds required to close.