Bridge | Fix-N-Flip | Development
✅ Up to 85 AIV LTV, 75 ARV LTV and 90 LTC
✅ Min Score 660
✅ Up to $5 million loan amounts
(Down to 75K (1-4 Unit), down to $50k (SFR/Condo)
✅ Luxury Allowed
✅ No experienced allowed
✅ No Prepay Penalty
✅ Up to 50% LTV on Land
✅ Rates 8.99%-12.75% - 1 Net Origination
✅ Non-Dutch Interest Allowed
✅ Cash Out Refinance or Purchase
✅ Rural Case by Case
✅ Foreign Nationals Allowed with duly Formed LLC
✅ Recourse and Non-Recourse
✅ Blanket/Portfolio Loans Ok
✅ No Sourcing or Seasoning Funds
1 - 4 Residential Units & Condos
Mixed-Used and Multi-Family
✅ Up to 85 AIV LTV, 85ARV LTV and 80 LTC
✅ Min Score 660
✅ $75K - $10 Million
✅ Non-Dutch Interest Allowed
✅ Rates 9.99%-11.995% - 1-1.5 Net Origination
✅ Cash Out Refinance or Purchase
✅ Rural Case by Case
✅ Foreign Nationals Allowed with Duty Formed LLC
✅ Up to 50% LTV on Land
✅ Recourse / Non-Recourse
✅ Blanket/Portfolio Loans Ok
✅ No Sourcing or Seasoning Funds
HIGH CREDIT QUALITY SFR BRIDGE FIX AND FLIP/RENOVATION
✅ SFR Only
✅ RTL (Residential Transition Loans)
✅ 85/70 for 10+ Experience
✅ 85/65 for 5+ Experience
✅ Min 1 DSCR on rental (Assuming rate of 7.5%)
✅ Min 700 Credit (must have 1 mtg min on credit report)
✅ 200K Min initial
✅ 500K Max initial
✅ Min of 50% initial or 150K Max Rehab budget
✅ 3 Draw max
✅ 1 Year term
✅ 8.999% rate 1 point in
Approved In As Little As
15 Minutes
IT’S EASY WHEN YOU HAVE AN INITIAL APPROVAL
Want to feel good about making a strong offer on your dream home?
Get an initial approval for your loan almost instantly
when you work with independent mortgage professionals like us. Our cutting-edge process lets us do what big banks and retail lenders can’t and give you an initial loan approval in as little as 15 minutes — even on the weekends!
You’ll also enjoy greater transparency so you can gather any paperwork you need ahead of time and make sure your loan goes through as smoothly as possible.
Testimonials
NMLS ID #1416824
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
(NMLS consumer access: https://www.nmlsconsumeraccess.org/_)