Loan Programs
WHAT WE OFFER:
- Our rates start as low as 7.99% on Fix & Flip Loans & 4.5% on Rental Loans
- Up to 75% ARLTV on Fix & Flip Loans & 80% on Rental Loans
- We fund up to 90% of purchase and 100% of rehab costs for Fix & Flip
- We fund Single Family 1-4, Ground Up Rentals 1-4, Multifamily 5+, & Mixed Use
- No interest paid on money not used.
- Same day approval + ย Proof of Funds.
- Close within 7-10 days.
- 9-24 month loans
- Credit: 680 [650-679 with -5% on leverage]
- Can do drive-by appraisals forย difficultย access.
- Nationwide Lending (exp. MN, ND, NV).
- Brokers and referralsย welcomed and compensated!

- Deferred payments available for 3, 6, 9 months.
- Deferred closing costs.
- Down payment assistance .
- Access to exclusive inventory
- Access to private Mastermind Group on Facebook
ย
Our Current Programs
Our Fix-and-flip Programs
FIX and FLIP: Experienced Investor
Experience Level: | 10+ Closed Deals in the Last 3 Years |
Credit Score: | 650+ |
Interest Rate: | 7.99% + 2.5 points |
Max Financing on Purchase: | Up to 90% of Purchase Cost |
Max Financing on Renovations: | 100% |
Max LTV of ARV: | Up to 75% |
Loan Term: | 12 Months |
Loan Size Minimum: | $100,000 |
Type of Properties: | 1-4 Family Homes |
Arkad Loyalty Perks: | Yes |
Documents Needed: | Purchase Contract, SOW, LLC, EIN, OA, DL, No Taxes/Reserves |
FIX and FLIP: Intermediate Investor
Experience Level: | 3-10 Closed Deals |
Credit Score: | 650+ |
Interest Rate: | 8.99% + 2.5 points |
Max Financing on Purchase: | Up to 90% of Purchase Cost |
Max Financing on Renovations: | 100% |
Max LTV of ARV: | Up to 75% |
Loan Term: | 12 Months |
Loan Size Minimum: | $100,000 |
Type of Properties: | 1-4 Family Homes |
Arkad Loyalty Perks: | Yes |
Documents Needed: | Purchase Contract, SOW, LLC, EIN, OA, DL, No Taxes/Reserves |
Fix and Flip: Beginner Investor
Experience Level: | 0-2 Closed Deals |
Credit Score: | 650+ |
Interest Rate: | 11.99% + 2.5 points |
Max Financing on Purchase: | Up to 80% of Purchase Cost |
Max Financing on Renovations: | 100% |
Max LTV of ARV: | Up to 70% |
Loan Term: | 12 Months |
Loan Size Minimum: | $100,000 |
Type of Properties: | 1-4 Family Homes |
Arkad Loyalty Perks: | Yes |
Documents Needed: | Purchase Contract, SOW, LLC, EIN, OA, DL, No Taxes/Reserves |
Our Ground Up New Homes & Expansion Programs
Ground Up: Experienced Investor
Maximum Loan To Value (LTV) | Maximum Loan To Cost & After Repair Value (ARV) | |
---|---|---|
Purchase: |
50-65% of Land (if permitted) 100% of Construction |
75% LTC (Land + Hard Cost) Up to 65% of the ARV |
Refinance: |
50% of Land (if permitted) 100% of Construction |
75% LTC (Land + Hard Costs) Up to 60% of the ARV |
Cash-Out: | Not Permitted | Not Permitted |
Add-A-Level: Experienced Investor
Maximum Loan To Value (LTV) | Maximum Loan To Cost & After Repair Value (ARV) | |
---|---|---|
Purchase: |
Up to 80% of Purchase Price 100% of Renovation Cost |
80% LTC Up to 65% of the ARV |
Refinance: |
Up to 60% of As-Is Value 100% of Renovation Cost |
Up to 60% of the ARV |
Cash-Out: | Not Permitted | Not Permitted |
Add-A-Level: Intermediate Investor
Maximum Loan To Value (LTV) | Maximum Loan To Cost & After Repair Value (ARV) | |
---|---|---|
Purchase: |
Up to 70% of Purchase Price 100% of Renovation Cost |
Up to 55% of the ARV |
Our Rental Programs
PURCHASE
FICO | Maximum Loan To Value (LTV) | Maximum Loan To Cost & After Repair Value (ARV) | RATE |
---|---|---|---|
720 | Up to 80% of As-Is-Value | Up to 80% Loan-to-Cost | 4.5% to 6.5% |
680 - 719 | Up to 70% of As-Is-Value | Up to 80% Loan-to-Cost | 5.5% to 7.5% |
650 - 670 & Foreign Nationals |
Up to 70% of As-Is-Value | Up to 70% Loan-to-Cost | 6.5% to 8.5% |
Refinance
FICO | Maximum Loan To Value (LTV) |
---|---|
720 | Up to 75% of As-Is-Value |
680 - 719 | Up to 70% of As-Is-Value |
650 - 670 & Foreign Nationals |
Up to 65% of As-Is-Value |
Cash-Out Refinance
FICO | Maximum Loan To Value (LTV) |
---|---|
720 | Up to 75% of As-Is-Value |
680 - 719 | Up to 65% of As-Is-Value |
650 - 670 & Foreign Nationals |
Up to 60% of As-Is-Value |
Our Multifamily Bridge Programs
Light Rehab: Intermediate Investor
Maximum Loan To Value (LTV) | Maximum After Repair Value (ARV) | |
---|---|---|
Purchase: |
Up to 75% of Purchase Price 100% of Renovation Costs |
Up to 70% of the ARV |
Refinance: |
Up to 65% of As-Is-Value 100% of Renovation Costs |
Up to 60% of the ARV |
Cash-Out: |
Up to 60% of As-Is-Value 100% of Renovation Costs |
Up to 55% of the ARV |
Heavy REHAB: INTERMEDIATE INVESTOR
Maximum Loan To Value (LTV) | Maximum After Repair Value (ARV) | |
---|---|---|
Purchase: |
Up to 65% of Purchase Price 100% of Renovation Costs |
Up to 60% of the ARV |
Refinance: | Not Permitted | Not Permitted |
Cash-Out: | Not Permitted | Not Permitted |
Light REHAB: Beginner INVESTOR
Maximum Loan To Value (LTV) | Maximum After Repair Value (ARV) | |
---|---|---|
Purchase: |
Up to 70% of Purchase Price 100% of Renovation Costs |
Up to 65% of the ARV |
What Our Borrowers Are Saying:
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