FIX & FLIP | RENTALS | AIRBnB | BRRRR | GROUND UP | COMMERCIAL | MIXED USE | MULTIFAMILY

At Arkad Capital, we've made the loan qualification process as straightforward as possible. You don't need prior experience to work with us, as we offer tailored programs for new investors. 

For short-term loans, you'll need a minimum 620 FICO score and a down payment of 15% to 20% of the purchase cost of the property. 

For long-term rental loans, a minimum FICO score of 680 and a down payment of 20% of the purchase price are typically required.

If you already own a property, we offer cash-out refinancing of up to 80% of the AS-IS cost of your property. And if you're worried about your credit being pulled multiple times, don't be. When you get approved with us, you can buy additional properties within the next six months without a new credit pull.

We believe in making the loan process as transparent and hassle-free as possible, so you can focus on what matters most - growing your real estate portfolio. So why not get in touch with us today and let's see how we can help you achieve your investment goals? 

NOTHING. 

At Arkad, we're proud to offer our Term Sheet service completely free of charge. We firmly believe in providing a valuable resource that empowers conscious investors like you to make informed decisions about your lending options.

Our commitment to fostering a healthy community of investors and thriving borrowers drives us to eliminate any barriers to accessing essential information. By offering our Term Sheet without any cost, we aim to create an environment where investors can confidently explore opportunities and contribute to a vibrant and sustainable financial ecosystem.

We also see this as an opportunity to earn your business and showcase our dedication to efficiency, speed, accuracy, and reliability. Providing you with a free Term Sheet is just one way we demonstrate our commitment to delivering exceptional service that exceeds your expectations.

We understand the significance of conscious investing and the positive impact it can have on both individual investors and the larger community. That's why we're dedicated to providing you with the tools you need to navigate your investment journey with clarity and confidence.

If you have any further questions or would like to learn more about how our Term Sheet service can benefit you, please don't hesitate to reach out. We're here to support your conscious investing goals and help you make choices that align with your values and aspirations.

Thank you for considering Arkad as your partner in achieving your investment objectives. Together, we can create a brighter future for all.

NONE. 

Our Fix and Flip Loan Program has been specifically designed to cater to the needs of new investors who are just starting out in the world of real estate. One of the standout features of our program is that it does not require any prior experience in fixing and flipping properties. This makes it a fantastic option for those who are new to the industry and looking to get their foot in the door.

Our program has been crafted to provide a smooth and straightforward lending process that is accessible to all. We understand that new investors may not have the same level of experience as their more seasoned counterparts, which is why we have simplified our lending requirements to make the process as easy as possible.

By removing the experience barrier, we hope to encourage new investors to take the leap and pursue their real estate goals. Our Fix and Flip Loan Program provides a solid foundation for those looking to get started in this exciting industry, offering the support and resources needed to succeed. With our program, new investors can feel confident that they have the backing they need to make their real estate dreams a reality.

No, we don't require a credit check before providing you with a Term Sheet. At [Your Company Name], our role is to empower investors like you to achieve your financial goals. Our priority is to offer you clear and accurate terms that match your investment needs. We understand the importance of maintaining your credit score, and we want to ensure that the terms we present are in line with your expectations before proceeding with any credit inquiries.

Our process begins with the information you provide us through our Quick Quote form. Once you're satisfied with the proposed terms and decide to move forward, we will then proceed with credit verification as part of our underwriting process. This approach helps us protect your credit score and ensures that the information you provide is accurate before any formal credit checks are conducted.

Moreover, we're here to support you even if your credit score isn't where you'd like it to be. If you're concerned about your credit, we can work with you to explore options for improving it. Our aim is to be your partner in achieving your investment goals, and that includes helping you navigate the path to better credit if needed.

Additionally, at your request, we can perform a soft credit pull to determine your eligibility. A soft pull does not impact your credit score and is only used for qualification purposes. We're committed to assisting you in making well-informed decisions about your lending options without causing any unnecessary harm to your credit profile.

If you have any more questions or need further clarification, please don't hesitate to contact us. We're here to help you make informed decisions about your lending options and to support you on your journey towards successful investing.

Reach out to our HM Product Experts ⭐️

FIX & FLIP 

1. Loan Application

2. Photo ID

3. Title Agent/Attorney –  Point of Contact, phone # and email address

4. Borrower Experience – Investment properties purchased/sold in the last 3 years 

5. Purchase Contract – needs to be in the name of the borrowing entity (if purchase)

6. Rehab list/budget

7. Photo ID Operating Agreement, EIN Letter and Articles of Organization for borrowing entity

RENTAL

1. Loan Application

2. Title Agent/Attorney – need Point of Contact, phone # and email address

3. Borrower Experience – Investment properties purchased/sold/rented in the last 3 years 

4.. Purchase Contract – needs to be in the name of the borrowing entity (if purchase)

5. Lease Agreement 

6. Photo ID

7. Operating Agreement, EIN Letter and Articles of Organization for borrowing entity

8. Payoff and 6 month payment history for existing lien (if refi)

9. Copy of Purchase HUD (if recent purchase-within a year)

If you have any more questions or need further clarification, please don't hesitate to contact us. We're here to help you make informed decisions about your lending options and to support you on your journey towards successful investing.

Reach out to our HM Product Experts ⭐️

If your are ready to get Qualified for a HM Loan, Click here 🚀

For new investors, we require a downpayment of around 20% to 25% of the purchase price of the property. This is a slightly higher downpayment than what we require from experienced investors, who typically only need to put down 15% of the purchase price.

While the higher downpayment may seem like a disadvantage for new investors, it is important to note that this requirement is in place to ensure that they are making a sound financial investment. By putting down a larger downpayment, new investors are demonstrating their commitment to the project and reducing the risk for both themselves and the lender.

At the same time, we understand that experienced investors may have a proven track record and a lower risk profile, which is why we offer them more favorable downpayment terms. This allows them to preserve their capital and continue pursuing their real estate goals with confidence.

Overall, our Fix and Flip Loan Program is designed to be fair, flexible, and accessible to investors of all levels. We are committed to working with our borrowers to find the right lending solution for their unique needs, regardless of their level of experience in the industry.

If you are ready to submit a deal, send it HERE  ⬅

At Arkad Capital, we understand the importance of efficiency and providing you with the information you need promptly. Our dedicated team works diligently to ensure that you receive your Term Sheet in a timely manner. On average, you can expect to receive your Term Sheet within 4 to 24 hours after submitting your request.

We take great pride in serving the needs of our valued clients, and we process hundreds of inquiries each day. Our commitment to accuracy and personalized service means that we take the time to thoroughly review your information and tailor our response to your unique requirements. While the wait may vary based on demand, please rest assured that it's well worth it.

Every Term Sheet we provide is carefully crafted to offer you clear and accurate terms that align with your investment goals. We believe in delivering quality over quantity and ensuring that each investor receives the attention and service they deserve. Your patience is truly appreciated as we strive to serve everyone correctly and effectively.

If you have any more questions or need further assistance, please don't hesitate to reach out. We're excited to be part of your investment journey and look forward to providing you with a Term Sheet that's worth the wait.

Your satisfaction is our priority, and we're here to help you make informed decisions about your lending options.

If you are ready to submit a deal, send it HERE  ⬅

Our aim at Arkad is to provide you with transparency and predictability throughout the lending process. Ideally, the terms you receive initially will remain consistent until closing. We take great care to ensure that the terms presented to you at the beginning of the transaction remain as accurate and reliable as possible.

The only circumstance that might lead to a change in the terms is if the property undergoes an appraisal that results in an underestimation of its value. In such a rare situation, it may be necessary to adjust the terms, including potentially requiring a higher deposit. It's important to note that encountering this scenario is quite uncommon, and we work diligently to minimize the chances of it occurring.

Rest assured that our commitment to providing you with the terms you can rely on is a top priority. We understand the significance of consistency and the trust you place in us to deliver on our promises. Throughout our history, we've consistently worked to uphold the terms we offer from the beginning of the transaction until closing.

Should you have any further inquiries or require additional clarification, please feel free to reach out. We're dedicated to ensuring your experience with Arkad is characterized by reliability, fairness, and the highest standards of service.

Thank you for considering us as your lending partner.

 We're here to support you on your journey to successful and confident investing.

We're committed to facilitating a smooth and efficient closing process at [Your Company Name]. While the exact timeline can vary based on several factors, we typically aim to complete the closing within 2 to 4 weeks from the time you finalize the terms.

It's important to note that the speed of the closing process can be influenced by various elements. Your ability to promptly set up an appraisal and provide any required documentation plays a crucial role. Our team also works diligently to ensure that all necessary paperwork is processed efficiently. Additionally, the timelines of the seller and their teams can impact the overall closing schedule.

Our goal is to collaborate closely with you to expedite the closing process as much as possible. By working together and ensuring clear communication, we can help minimize any potential delays and streamline the steps necessary to finalize your investment.

Should you have further inquiries or require more information about the closing process, please feel free to contact us. We're dedicated to guiding you through every stage of your investment journey and ensuring a successful and timely closing.

Your investment success is important to us, and we're here to assist you every step of the way.