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!
Arkad Capital's Perks
  • 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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