Our Target Zone:
Loans for Owner Occupied & Investor
Purchase, Rate/ term Refinance and Cash Out | From $250,000 to $2,500,000 | Bridge: $1M- $5M
Stabilized Commercial Assets/Owner Occupied or Investor/ NNN: $1M- $5M
Our clients that we serve have these characteristics/ options $250k-$2.5M range***
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Designed for Credit Worthy Investors or Business Owners looking for an alternative to restrictive bank financing/
Includes: Purchase, Rate & Term Refinance, Cash Out, Property Types: Tier 1: Multifamily & Mixed-Use (Residential) Tier II: Mixed Use (Commercial), Office, Retail, Light Industrial, Self- Storage, Warehouse, Automotive, Mobile Home Park, Daycare Center, Restaurant & Bar/
Max LTV: Up to 80% LTV. Rates from 6-9% | Terms: 5 Year and 7- year Hybrid. Amortizations: 10,25,30 | Eligible Markets: Top MSA | US Citizens, Permanent Resident Aliens | Rate: Wall Street Journal Prime. Prepays: 5% for first 3 years | Borrower does not have to document income on tax returns, investor and owner occupied | Recently Stabilized – we need only 75% economic occupancy for the preceding 90 days at X DSCR (debt service credit ratio) Out of State Investors accepted, | Markets with higher cap rates | Low Liquidity: Lender only needs 3-6 months PITI reserves (principal & Interest)
Scenarios Include: Designed for Investors who may not be able to disclose certain financial information or whose properties are more valuable than a tax return might show | Owner- Occupied transactions where business owners having difficulty documenting their income for traditional lenders. | Business owners who prefer to prove their income by providing a minimum of 12 months consecutive months of business bank statements instead of tax returns | No Seasoning Requirements | Cash Outs Available | No Tax Returns or 4506 T is required
2. Solutions for challenged credit designed for borrowers (Business owners & Investors) that may be working with non-bank lenders for different reasons. Some are rejected by banks and are forced to seek alternative financing. Others simply choose not to work with banks because they are seeking for greater flexibility than traditional financial institutions are typically able to provide | For Business owners and investors in the latter group have specific needs that traditional lenders often fail to meet. Whether it is significant cash- out request or a property with little or no title seasoning many small balance commercial scenarios are better suited for alternative lending programs. Rates start at 7+%/ Max LTV up 80%LTC/ LTV / Amortizations up to 30 years/ Cash out -no maximum
3. Residential 1-4 Units/ PUDS- Stated Income program Purchase and Refinance | Loan Size: from $100,000 to $2,000,000 is a smart alternative for Investors looking to transition out of short term loan or acquire a new investment property. Purchase, Rate & Term/ Refinance, and Cash out refinance/ | Includes 1-4 units attached/ detached and PUD’s | Up to 80% LTV for purchase and rate & term refinance/ Up to 65% for cash out refinance | Cash Flow Requirements: Qualifying income based on property cash flows Borrower: Business Entity is eligible | Positive Cash Flow/ 1.0 DSCR | 3-12 months PITI reserves required | Borrowers must have 1 to 3 units under mgt | No DTI calculations, No population requirements | Title must be vested in LLC at time of application | Min Fico: 660 for purchases & rate & term refinances | Min Fico: 700 for cash out refinances | Property must be move in ready appraisal ratings C5/ C6 or Q6 not permitted | No Rehab or construction loan request | This alternative is for clients that do not qualify for Fannie or Freddie Mac Govt program/ eligibility.
4. Our Friendly FICO Program up to $1,000,000 creates more opportunities for investors and business owners with challenged credit scores to secure a flexible, long-term financing solution. Investors & borrowers with credit scores between 649 and 600 who balked at the prospect of paying hard money rates now have an option to help them achieve more. Up to 60% LTV, Fast Closings | Rates from 9%+ | Investor & Owner Occupied | Purchase, Refinance & Cash Out Refinance | From 15-30-year Amortization | Terms: 5,7 and 10- year Hybrid.
-Property Types: Tier 1: Multifamily & Mixed-Use (Residential) Tier II: Mixed Use (Commercial), Office, Retail, Light Industrial, Self- Storage, Warehouse, Automotive, Mobile Home Park, Daycare Center, Restaurant & Bar | Lower rates than hard money alternatives– $100,000 to $500,000:
5. Our Fast Track commercial – $100,000 to $500,000 : Fixed 9.5% Rate, Designed for Investors and small business owners who have a short window in which to secure mortgage financing. Our program makes it possible to funding within 2 weeks. | Purchase, Refinance, Cash Out | Property Types: Multifamily Mixed Use, Office, Retail Terms: 5,7, and 10 -year hybrid | Max LTV: 70% | Amortization: 15,20,25,30 | Occupancy: Investor and Owner Occupied | Appraisal Type: Commercial Valuation Situations: Borrower facing an imminent loan maturity or trying to meet a seller’s deadline on a real estate purchase | Expedited transaction process and avoid a hard money programs high rates and short terms Eligibility: State of the Property’s title. A clean title for the purposes of this program. | No Judgements | No Tax Liens/ redemptions | No Foreclosures | No Pending vesting or probate issues | Eligibility for this program: No Liens/ judgements on the subject property | IRS or real estate back taxes | OFAC/ background issues | Borrowing entity is a trust or a corporation | Environmental concerns | Rural location | Confirmed deferred maintenance | Substantial seller issues |
6. Financing For Real Estate Investors- Single Rental Loan Non- Owner Occupied, SFR, 2-4 units, Condos Townhomes, Multi Family 5-20 Units (for Portfolio Rental Loans) Single property loans to both novice and seasoned investors $75K to $1.5M* (maximum 65% LTV <750K) | 30 year Fixed -full amortization | Rates from 6.50% to 9.00% | Purchase up to 80% of purchase price or appraised value- refinance loans on properties owned<90 days are capped at 80% loan to cost | Refinance up to 75% LTV of appraise value | Cash Flow Requirement: >150K value: Max 85% PDTI | <150K value: Max 70%PDTI | Borrower: Individual or LLC/ Credit 660+
7. Financing For Real Estate Investors-Portfolio Blanket Loan for 7+ units to experience investors | $700,000+ | Asset based loans tailor made for residential real estate investors, do not require W2’s , tax returns, or personal income verification | rates from 5.50% to 7.50% | 5 or 10- year term with balloon due at end of term | Amortization up to 30 years with interest only option available- any multifamily over 30 years old a max of 25 amortizations | Amortized Loans: 75% LTV | Interest Only Loans: 70% LTV- Multifamily properties 30 years or older will qualify for interest only loans at limited LTV.
8. Bridge Loans $1m- $5M/ Designed for Borrowers and Investors that need funds to Acquire Recapitalize or Reposition Commercial real estate. (interim financing that supports a long- term strategy) | Property Types: Office, Medical Office, Industrial, Multi-Family, Hotel (with an approved franchise agreement) MHC (mobile- home parks), Self- Storage, other assets on case by case basis | Up to 80% LTV | Terms 1-3 years | Rates: Libor plus 500 bps | Non -Recourse options available | Owner Occupied & Investor type | Situations include: Opportunistic or Value add acquisitions with existing cash flow recapitalization, discounted pay -offs and maturing CMBS debt requiring property repositioning | Collateral improvement through repair of deferred maintenance, optimization of space, and development of systems that will improve cash flow | Properties that require near- term lease up, experience upcoming tenant rollover, or have below market rents/ occupancy and properties in need improvements.
9. Commercial from $1M- $5M- Mini Perm, Opportunistic or Value- Add acquisitions | Up to 80% LTV/ Designed for Borrowers that seek financing for transitional or stabilized assets with existing cash flow, recapitalizations, discounted payoffs, and maturing CMBS debt requiring property repositioning and/or | Collateral improvement through repair of deferred maintenance, optimization of space, and development of systems that will improve cash flow | Properties that require near- term lease up, experience upcoming tenant rollover, or have below market rents/ occupancy and properties in need of tenant improvements. | Property Types: Office, Medical Office, Industrial, Multi-Family, Hotel (with an approved franchise agreement) MHC (mobile -home parks), Self- Storage, other assets on case by case basis. | Foreign Nationals are eligible | US Citizens and Legal Entities include corporations, partnerships, trusts, and majority ownership by US citizen or permanent resident alien. All principals with minimum 25% ownership interest must personally guarantee the loan | Term: 3-8-year period. with amortizations from up to 30 years (interest only for the first 2 years) | Rates: US Treasury plus 400-600 bps | Locations: Generally Urban or Suburban locations in Primary or Secondary or Tertiary markets | Terms from 3-8 Years/ Amortizations up to 30 years | interest only for 1st 2 years) Earn Outs: Allowed on a case by case basis | Non- Recourse available, 1-3-year terms. Owner Occupied & Investor.
10. For Developers Single & Multi- Unit- Contractors and Investors- NNN Opportunities that require special pricing on single or multiple units/ Longer the term the more competitive the rates. Cash Out Refinances/ Portfolio Purchases |
Need Net Lease Financing?
We Finance America’s Net Lease with our 23 Finance and brokerage partner and how we set ourselves apart to serve your needs.
- -Competitive Rate estimates: 4.75% to 5.375%
- –Quick, Efficient and Effective Processing
- –Specialized and Experienced in Arranging Financing for NNN For Last 23 Years
- –Excellent Relationships with Our Lending Network, Yielding Our Clients Excellent Pricing and Loan Terms.
- -Constant Communication with Clients During Loan Process
- -Amortization: 25 to 30 yrs.
- –Fixed Rates available for 5, 7, 10, or 15 years (depends on remaining primary lease term – preferably minimum -15 years remaining in primary lease term)
- –Non-Recourse / Recourse – Depends on transaction
- –Prepay – None, Step Down or Certain Percentage. Also limited or no prepay for certain transactions
- –Estimated Costs: Appraisal, Environmental (possibly utilize existing report), Direct Legal, ALTA Land and Building Survey (possibly utilize existing report) and all other required costs to process the loan.
- -All rates and terms are subject to change without notice. Certain other loan terms and costs will apply. Not a commitment to lend and is for discussion purposes only. All loans are subject to direct lender review of all property, sponsor, borrower info and approval.
11. Bridge Loans – 1st Liens & 2nd Mortgages $1M to $10 Million-Designed for commercial real estate throughout the United States. Our bridge loans help borrowers achieve their immediate goals while providing them with competitive rates and certainty of execution.
- Eagle Capital Investment Partners is an approved correspondent with our direct lender providing first mortgage bridge loans, second mortgages, mezzanine financing, and providing liquidity to minority interest owners in real estate partnerships through either purchasing or lending against their ownership interest.
- Here’s the truth. The bridge loan industry is incredibly competitive with a ton of lenders promising you the world in exchange for your business. So why do brokers and borrowers continuously choose to work with our lending partners instead? Its because we are a boutique firm with institutional capabilities and a proven track record of success.
- Common Scenarios:
-New Investment Opportunities-Are you under contract to purchase a new property and need the down payment? Monetize your equity.
-Tenant Improvements & Leasing Commissions-Have a vacant space and need money for tenant improvements or CapEx? Monetize your equity.
-Operational Cash Flow-Are you asset rich but momentarily running into a cash-flow shortage? Monetize your equity.
- Property Type: Office, Retail, Multifamily, Warehouse & Industrial, Flagged Hotels |
- Region: Nationwide | 1-3 Year term Rates from: 7.99% to 9.99%
- LTV: Up to 75% / CLTV- (combined loan to value) with 1st mortgage staying in position, if 2nd mortgage is procured
- Loans from $1M to $10 Million. Higher amounts on case by case
- Closing is as little as 2 weeks| Certainty of execution | No Upfront Fees
- 2nd Mortgages for LLC, LP & TIC Interests | Buying out position / partner/
Serving Investors in all 50 US states and territories ( case by case basis)
Regional Manager: Stephen C. Parente
Office: 442–273-0019 | Direct: 770-309-5872, Fax #833-235-5223
Email: eaglecapital1@gmail.com
CMBS- Sources include Pension Funds, Family Office and Equity Funds designed to assist in the following specialty products.
Capital Markets Construction Loan- Mini Perm non recourse
As approved correspondents we offer Limited Partners construction finance program provides developers with an non-recourse option for development finance, when local banks fall short. The construction program is often combined with the non-recourse permanent finance program, to create a “one stop shopping” solution for today’s modern developer.
Loan Amount:
$10MM and up
Loan Term:
12-36 months
Property Types:
Multifamily, Mobile Home Community, Office, Industrial, Self-Storage, Retail, Hotel
Geography:
Primary and secondary markets
Lien Type:
First Mortgage/ Deed of trust
Loan-to-Cost:
Up to 75% of cost
Origination fee:
1% and up
Prepayment:
Generally none
Recourse:
Non-recourse, partial recourse and recourse, subject to sponsorship financial strength, location and asset quality.
Rate:
Competitive LIBOR Rate based financing
Completion Guaranty:
Required.
Payment Guaranty:
Required.
Capital Markets- Real Estate Finance $500K- $5M+Recourse & Non Recourse
The Limited Partner ( LP) Investors offer bridge loans for cash flowing commercial real estate projects for a wide range of property types and across all 50 states. Funds can be utilized for the acquisition or refinance of commercial property and are geared towards creating “runway” for the LP permanent finance programs.
Large Loan
Loan Amount:
$5MM and up
Loan Term:
2-3 years
Property Types:
Multifamily, Mobile Home Community, Office, Industrial, Self-Storage, Retail, Hotel
Lien Type:
First Mortgage/ Deed of trust
Loan-to-Value:
Up to 75% of appraised value
DSCR:
Subject to deal quality.
Origination fee:
1% and up
Exit Fee:
1.50% and up
Prepayment:
Generally None
Recourse:
Non-recourse, subject to standard carve-outs
Rate:
Competitive LIBOR Rate based financing
Small Balance Loans
Loan Amount:
$500K – $5MM
Loan Term:
1-3 years
Property Types:
Multifamily, Mobile Home Community, Office, Industrial, Self-Storage, Retail, Hotel
Lien Type:
First Mortgage/ Deed of trust
Loan-to-Value:
Up to 75% of appraised value
DSCR:
Subject to deal quality.
Origination fee:
2.50% and up
Exit Fee:
Generally None
Prepayment:
Generally None
Recourse:
Full Recourse
Rate:
Competitive Prime Rate based financing
Eagle Capital Consulting 