Commercial Loan Programs
Minimum Loan Amounts will Consider: $1,000,000 with NO Maximum
- Recourse and Non-Recourse
- Bad or No Credit
- Stated Income with No Tax Returns & No Ratio to $15mm
- Fixed & Adjustable Rates
- Loans Available for Foreign Nationals
- Up to 30 Year Terms
- ARM's
- Owner Occupied and Non-Owner Occupied
- Interest Only, Partially Amortized and Fully Amortized
- International Funding available for select property types worldwide - acquisition, rehab, construction and more
Minimum Loan Amounts will Consider: $1,000,000 with NO Maximum
Soft Money Commercial Mortgages
Soft Money Loans have emerged as a preferred choice for savvy real estate investors. We advise on tailor-made soft money loan solutions that combine the best of both worlds: the flexibility of hard money and the advantages of conventional financing. With fixed rates and adjustable terms, our soft money products cater precisely to the dynamic needs of today's property investors.
This type of loan program requires more underwriting than a hard money loan, allowing it to have lower rates and greater security. It is based on both the borrower’s credit score (minimum 650) and the property’s LTV and is always a term loan rather than a bridge loan.
An innovative approach combining the benefits of hard money that have lower risks, higher rates, and a short-term loan time-frame - contrastingly, soft money programs fit many borrowers far better due to the program's lower costs, lower rates, and longer terms.
Soft Money Loans can also be a valuable tool for the purchase or refinance of office buildings, retail properties, 1-4 rental units, and multifamily housing including apartment complexes.
Unlike conventional investment property loans that max out at 70% LTV, a Soft Money Loan Program maxes at 80% LTV and with no PMI. This allows the borrower to put less money down on their purchase.
SOFT MONEY Overview
Soft Money Loans have emerged as a preferred choice for savvy real estate investors. We advise on tailor-made soft money loan solutions that combine the best of both worlds: the flexibility of hard money and the advantages of conventional financing. With fixed rates and adjustable terms, our soft money products cater precisely to the dynamic needs of today's property investors.
This type of loan program requires more underwriting than a hard money loan, allowing it to have lower rates and greater security. It is based on both the borrower’s credit score (minimum 650) and the property’s LTV and is always a term loan rather than a bridge loan.
An innovative approach combining the benefits of hard money that have lower risks, higher rates, and a short-term loan time-frame - contrastingly, soft money programs fit many borrowers far better due to the program's lower costs, lower rates, and longer terms.
Soft Money Loans can also be a valuable tool for the purchase or refinance of office buildings, retail properties, 1-4 rental units, and multifamily housing including apartment complexes.
Unlike conventional investment property loans that max out at 70% LTV, a Soft Money Loan Program maxes at 80% LTV and with no PMI. This allows the borrower to put less money down on their purchase.
SOFT MONEY Overview
- Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse
- Rates Starting at 6.99%
- Loan Amounts - $100K – $5M
- Up to 80% LTV
- Blanket Loan Options Available
- Fixed rates/Adjustable
- 5/1 ARM, 30 Year Fixed
- Interest Only Option Available
- Foreign Nationals Eligible
- No Prepayment Penalty Option Available
What is a NO-DOC Mortgage Loan?
Unlike conventional loans, a no-documentation mortgage loan requires no income verification from the borrowers - instead, these mortgage programs are based on credit history, real estate investment experience, and liquid assets, which are then processed through underwriting. The relationship between the investment home buyers and the mortgage lender is based on the non-documented loan agreement that the borrower can afford investment property home loan payments and will make them.
Like a no-income verification mortgage loan, a NO-DOC loan program has less regulation and higher rates than conventional loans. Although risky, the flexibility and quick approval process for the borrower makes it an easier decision for many real estate investors. If you’re looking to apply for a loan that’s non-verification of income or assets based, it’s heavily suggested to work with an experienced private money Loan Advisory Services company like ours.
NO-DOC Mortgage Loan Summary
Unlike conventional loans, a no-documentation mortgage loan requires no income verification from the borrowers - instead, these mortgage programs are based on credit history, real estate investment experience, and liquid assets, which are then processed through underwriting. The relationship between the investment home buyers and the mortgage lender is based on the non-documented loan agreement that the borrower can afford investment property home loan payments and will make them.
Like a no-income verification mortgage loan, a NO-DOC loan program has less regulation and higher rates than conventional loans. Although risky, the flexibility and quick approval process for the borrower makes it an easier decision for many real estate investors. If you’re looking to apply for a loan that’s non-verification of income or assets based, it’s heavily suggested to work with an experienced private money Loan Advisory Services company like ours.
NO-DOC Mortgage Loan Summary
- Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse
- Rates Starting at 6.99%
- $100K – $5M
- Up to 80% LTV
- Blanket Loan Options Available
- Fixed rates/Adjustable
- 5/1 ARM, 30-Year Fixed
- Interest Only Option Available
- Foreign Nationals Eligible
- No Prepayment Penalty Option Available
A Hard Money Real Estate Loan
is simply a short-term loan secured by real estate. Hard money loan lenders are primarily concerned with the property’s value rather than the borrower’s credit.
A Hard Money Loan benefits Borrowers who cannot go to the bank due to their credit. Where the banks say “No”, hard money and private lenders can still say “Yes”.
Hard Money Lenders for Beginners
There is a large amount of real estate investors that struggle with other sources of financing such as traditional mortgages and lines of credit. This is why borrowers choose to work with a Hard Money Loan because this type of program is an asset-based loan, which means the financing is based on the Loan to Value (LTV) of the Asset. Unlike other private money loans, a Hard Money Loan does not go through full underwriting, as it doesn’t have many guidelines and criteria there isn’t any minimum FICO requirement for the borrower.
Real Estate Investors who aren’t able to secure financing with a traditional mortgage loan for their investment property, can turn to hard money lenders, like Stratton Equities to obtain funding. For both experienced and novice Real Estate Investors, a private hard money loan program is the perfect solution to achieve your real estate investment goals.
If you’ve never worked with a hard money lender before, here is an overview of hard money lending and the breakdown of a hard money loan.
is simply a short-term loan secured by real estate. Hard money loan lenders are primarily concerned with the property’s value rather than the borrower’s credit.
A Hard Money Loan benefits Borrowers who cannot go to the bank due to their credit. Where the banks say “No”, hard money and private lenders can still say “Yes”.
Hard Money Lenders for Beginners
There is a large amount of real estate investors that struggle with other sources of financing such as traditional mortgages and lines of credit. This is why borrowers choose to work with a Hard Money Loan because this type of program is an asset-based loan, which means the financing is based on the Loan to Value (LTV) of the Asset. Unlike other private money loans, a Hard Money Loan does not go through full underwriting, as it doesn’t have many guidelines and criteria there isn’t any minimum FICO requirement for the borrower.
Real Estate Investors who aren’t able to secure financing with a traditional mortgage loan for their investment property, can turn to hard money lenders, like Stratton Equities to obtain funding. For both experienced and novice Real Estate Investors, a private hard money loan program is the perfect solution to achieve your real estate investment goals.
If you’ve never worked with a hard money lender before, here is an overview of hard money lending and the breakdown of a hard money loan.
- Hard Money Loans are for investment properties Only
- Due to their high-interest rates and costs, they cannot be used for owner-occupied properties – making them ideal for the real estate investor.
- Hard Money Loans are LTV loans, meaning that they are based on your assets rather than your credit history, and are generally capped at 75% of your asset’s value.
- The Hard Money Loan requirements and approval process are quick and easy as there are few regulations and no minimum FICO score required.
- Funding from a hard money loan can be received in as little as 2-3 weeks from applying.
424-245-0588
info@wfa.money
This is not an offer to lend or extend credit. Credit approval is subject to credit standards, and actual terms (including actual loan amount) may vary by applicant. Advisory Services USA requires certain supporting documentation with each new application and offers no guarantee of funding or loan offers and the terms thereof. All Loan decisions are made by our lending partners and subject to their specific underwriting criteria and approval processes.
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