Hard Money Loan

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贷款项目 | Loan Programs I

Fix & Flip Loans

翻修转售贷款

Short-term financing for acquisition and renovation projects.
用于收购及翻修项目的短期融资。

• Up to 85% LTC (experience required)
  最高 85% 成本比例（需有经验）

• Terms up to 5 years
  最长期限 5 年

• Interest-only structures available
  可选择仅付利息结构

贷款项目 | Loan Programs II

Bridge Loans

过桥贷款

Flexible short-term capital for transitional properties.
为过渡阶段物业提供灵活资金。

• Purchase or Refinance
  购置或再融资

• Expedited review available
  可加快审核

• No prepayment penalty (program dependent)
  部分项目无提前还款罚金

贷款项目 | Loan Programs III

Ground-Up Construction

新建工程贷款

Financing for new construction projects in California.
适用于加州新建住宅或开发项目。

• Draw-based funding
  分阶段拨款

• Experienced sponsors preferred
  优先考虑有经验开发者

贷款项目 | Loan Programs IV

Foreign National Loans

海外投资人贷款

Available for qualified non-U.S. borrowers investing in California real estate.
为合格海外投资人提供加州地产融资方案。

基本条款 | General Terms (Guidelines)

• Up to 85% Loan-to-Cost
  最高 85% 成本比例

• Rates starting from 10.5% (subject to qualification)
  利率 10.5% 起（视资格及市场而定）

• Terms up to 5 years
  最长期限 5 年

• Stated Income / Stated Assets
  可接受申报收入结构

• No minimum FICO requirement (credit review required)
  无最低信用分要求（仍需信用审核）

• Expedited review available
  可加快审批流程

All terms subject to underwriting approval and market conditions.
所有条款视审核及市场情况而定。

Non-traditional income Borrowers
非传统收入借款人

Fix & Flip Operators
翻修投资者

Developers & Builders
开发商及建筑商

Foreign National Buyers
海外买家