2026 Kickoff: New Year, Same Fast Closings — Our Programs & Capital Network

Happy New Year! We’re starting 2026 with the same mission: fund good projects quickly with clear terms and straight talk. Below is a simple guide to what we’re offering now—and the capital partners we bring in when a deal needs something outside the box.

Core Programs:

🏘️ DSCR (1–8 Units) — Rates from 5.75%

• Asset-based: underwritten to property income (rents vs PITIA), not tax returns.

• Min DSCR: 1.00 (1.15+ recommended for best pricing & cushion).

• Min FICO: 660 (680+ ideal).

• Max LTV: 80% SFR & 2–9 units • 65% Foreign National.

• Terms: 30-yr fixed, 40-yr fixed, 5/7 ARM, Interest-Only up to 10 yrs.

• Use cases: purchases, rate/term refis, cash-out for capex/reserves/new acquisitions.

🛠️ Fix & Flip (Rehab) — Starting at 7.99% | No Prepayment Penalty

• Leverage (LTC): up to 90% (experienced) • 82.5% (1–2 flips + 700+ FICO) • 60% (FICO 660–699 / Foreign National).

• Loan size: $100K–$3M (to $4.5M case-by-case).

• New-Investor Light Rehab: 680+ FICO (700+ ideal).

• Why it works: finish early, sell or refi anytime—no prepay hit; milestone draws + interest reserves available.

🧱 New Construction (Ground-Up) — Starting at 7.99%

• LTC tiers: 90% (4+ completed GUC) • 85% (2–3) • 80% (1 completed GUC + 700+ FICO) • 60% (FICO 660–699 / Foreign National).

• Loan size: $150K–$1.5M (to $2M by exception).

• Structure: schedule-aligned reserves; draws tied to vendor quotes and critical path.

Beyond the Box: Our Capital Network

Some projects need a different tool. We maintain relationships across credit verticals to place complex or specialized deals:

• SBA (7(a) / 504): for owner-user real estate + business acquisition/working capital components.

• CMBS: stabilized income assets that benefit from non-recourse, low coupons, and longer terms.

• Preferred Equity / Mezzanine: to push effective leverage on strong sponsors and assets when senior stops short.

• Specialty Bridge / Lease-Up: value-add or transitional assets on the way to agency/perm or DSCR take-outs.

• Agency/Perm Take-Outs (via partners): once stabilized, we’ll line up a clean exit.

We quarterback structure, timelines, and diligence so you don’t have to “shop” a file in circles.

Which path fits? (quick cheatsheet)

• Keep it moving / rentals: DSCR (no tax returns).

• Short-term value creation: Fix & Flip at 7.99%, no prepay.

• Build to plan: Ground-Up at 7.99% with milestone draws.

• Owner-user or business-heavy components: SBA.

• Stabilized, long-term, non-recourse target: CMBS.

• Need more leverage on a strong deal: Pref-eq/mezz (with senior).

What to send for a same-day scenario

• DSCR: address, current/market rent(s), taxes/insurance/HOA, target LTV, purchase price/As-Is-Value, FICO.

• Rehab/Construction: address, purchase/AS-IS, scope & budget, timeline, comps/ARV (or pro forma), experience snapshot, FICO.

We’ll return side-by-side options (standard vs. buydown; sell vs. DSCR refi) plus a draw/reserve map if it’s a project.

Here’s to a strong 2026. If you want to review a live deal or schedule a short presentation for your office, reply, call or text: 718-635-2377.

Not a commitment to lend. Business-purpose loans only. Eligibility, rates, and terms subject to change and approval. Leverage and pricing vary by credit, DSCR/LTC, property, and market conditions.