Thank you for providing your Scenario.
At this time we cannot provide an exact automated term sheet, but your parameters will fit into one of the following four borrower tiers.
👑 Tier 1: Prime Investors (700+ Credit AND 3+ Properties)
- Long-Term Rental (DSCR): Up to 80% LTV; minimal DSCR requirements.
- Fix & Flip Bridge: Up to 85%–90% LTC; 100% of renovation budget funded.
- Indicative Interest Rates: 6.50% - 7.25% (Long-Term) | 9.25% - 10.25% (Bridge)
🏠 Tier 2: Experienced Investors (660-699 Credit OR 1-2 Properties)
- Long-Term Rental (DSCR): Up to 70%-75% LTV; 1.00x DSCR cash flow required.
- Fix & Flip Bridge: Up to 80%–85% LTC; 100% of renovation budget funded.
- Indicative Interest Rates: 7.25% - 8.00% (Long-Term) | 10.25% - 11.50% (Bridge)
😅 Tier 3: Common Investors (600-659 Credit OR 0 Properties)
- Long-Term Rental (DSCR): Up to 65%-70% LTV; minimum 1.20x DSCR cash flow required.
- Fix & Flip Bridge: Up to 75%–80% LTC; 70%-80% of renovation budget funded.
- Indicative Interest Rates: 8.25% - 9.5.00% (Long-Term) | 11.00% - 13.00% (Bridge)
Tier 3: Capital Mitigation & Rookies (620-679 Credit OR 0 Properties)
- Long-Term Rental (DSCR): Up to 65%–70% LTV; higher cash flow buffers required.
- Fix & Flip Bridge: Up to 70%–75% LTC; equity skin-in-the-game required on rehab draws.
- Indicative Interest Rates: 8.00% - 9.25% (Long-Term) | 11.75% - 13.00% (Bridge)
🔨 Tier 4: Asset-Backed Bridge Program (Sub-620 Credit / Distressed Scenarios)
- Long-Term Rental (DSCR): Extremely Limited / Case-by-Case. Most institutional long-term warehouse lines are restricted under a 620 score.
- Fix & Flip & Short-Term Bridge: Available up to 50%–65% LTV / LTC. Underwriting is driven strictly by the underlying real estate asset value, property equity, and a concrete exit strategy.
- Indicative Interest Rates: 12.50% - 14.50%+ (Short-Term Hard Money/Bridge Only).
Best suited for inherited properties with substantial equity, overextended builders needing operating capital, or quick capitalization rescue scenarios where property value significantly outpaces personal credit constraints.