Real Estate Loan Products for Investors
Most loans with a recent appraisal close within 15-days!
Those without an appraisal take an average of 30 days to close.
While our standard loan processing time is 15-30 days, in exceptional cases or if unforeseen issues arise, the closing process may extend to 45-60 days.
Please be aware that although it can happen, this is not typical, and we strive to ensure a timely and efficient process.
Don't miss out on our complete selection of
business real estate products - scroll down now to explore.
We currently offer our Real Estate Business loans in the following states:
WA, WY, CO, TX, LA, MO, TN, IN, KY, WV, VA, SC, PA, CT, RI, MA, NH, ME, DE, PA, AK, HI
You must vest property in an entity - LLC or Corporation - for the following states:
KS, IA, AL, GA, FL, OR
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DSCR - NO RATIO
- Minimum FICO 620
- DSCR Down to 0.75
- Loans up to $3.5mm
- Purchase up to 80% LTV
- R&T/Cash-Out up to 75% LTV
- No DTI/Employment Verified
- First-Time Investors OK
- GET QUOTE
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ALTERNATIVE DOCS
- Minimum FICO 660
- Loans up to $4mm
- Max Cash-Out
- Purchase up to 90% LTV
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R&T/Cash-Out up to 80% LTV
- 30 & 40-Year I/O Available
- Multiple Qualification Options
- GET QUOTE
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REHAB LOAN
- Minimum FICO 620
- $50k – $7.5mm for SFR
- $250k – $10mm for Multi-Family
- 100% Renovation | 70% ARV
-
Term: 12 -18 months
(Amortized for 30 years)
- Interest Only Payments
- As Low As 10.24%
- GET QUOTE
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Buy, Rehab, Rent, Refinance for Multi Family
Properties
- Minimum FICO 620 (Short-Term)
- Minimum FICO 680 (Long-Term)
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$250k-$10mm
(Short-Term)
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$100K - $2mm
(Long-Term)
- Long Term:
30-years
- Rates Start at 10.24% for Short-Term
- GET QUOTE
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IMPERFECT CREDIT | FULL DOC
- Minimum FICO 600
(Long-Term)
- Max Cash-Out Unlimited
- Purchase up to 85% LTV
- BK & Foreclosure
OK
- REFI Cash-Out up to 80%
- Late payments are OK if the loan is up to date
- GET QUOTE
-
IMPERFECT CREDIT | ALT DOC
- Minimum FICO 600
(Long-Term)
- Max Cash-Out Unlimited
- Purchase up to 85% LTV
- BK & Foreclosure
OK
- Refi Cash-Out up to 80%
- Max Loan Amount is $3mm
- GET QUOTE
-
ALTERNATIVE
SHORT TERM
- Minimum FICO: 600
On Case-by-Case Basis
- Loan Range:
$100K - $5mm
-
2-year Financing
(Amortized up to 40 years)
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Stated No Doc, No Bank Statement
- Loan to Values up to 80%
-
No 4506
- All Property Conditions
OK
- GET QUOTE
-
ALTERNATIVE
SHORT TERM
- Minimum FICO:600
On Case-by-Case Basis
- Loan Range:
$100K - $10mm
- 2-year Financing
(Amortized up to 40 years)
- No Doc, Stated Income Loans
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All Property Types, All Conditions
- No Tax Returns
- Vacant Ok, No DTI Ratio
- GET QUOTE
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HIGH BALANCE
FULL DOC
- Minimum FICO 680
- Loans Up to
$3mm
- 15-Year & 30-Year Fixed
- Purchase/R&T up to 85% LTV
-
Cash-Out up to 80% LTV
- DTI up to 45%
- Cash-Out up to
$500K
- GET QUOTE
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HIGH BALANCE | FULL DOC
- Minimum FICO 660
- Loans up to $4mm
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Fixed and ARMs
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Purchase up to 90% LTV
- R&T/Cash-Out up to 80% LTV
-
DTI up to 55%
- GET QUOTE
-
CONVENTIONAL LOANS
- Minimum FICO 620
- Full Documentation
- Loans up to $647,200
- Up to 80% LTV
-
Purchase/R&T or Cash-out
- NOO
- GET QUOTE
-
CLOSE-END SECONDS
- Minimum FICO 660
- Max Loan Amount $450k
- 15-Year & 30-Year Fixed
- Full Doc Max CLTV 90%
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Bank Stmt Max CLTV 85%
- DTI up to 50%
- GET QUOTE
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COMMERCIAL LOAN
- Minimum FICO 660
- Full Documentation
- Government Insured up to 90%
- Loans up to $5mm
-
10% Downpayment
- Purchase land, building, or equipment
- GET QUOTE
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5+ UNITS DSCR - NO RATIO
- Minimum FICO 620
- DSCR Down to 0.75
- Loans up to $3.5mm
- Purchase up to 80% LTV
-
R&T/Cash-Out up to 75% LTV
- No DTI/Employment Verified
- First-Time Investors OK
- GET QUOTE
NMLS INFORMATION
The Funding Clinic LLC, with an NMLS ID of 2506007 (pending for California), operates as a licensed mortgage brokerage accessible via NMLS Consumer Access. Specializing in originating loans funded by third-party lenders, it is authorized to conduct business under the name "The Funding Clinic" in certain states, including pending authorization for California. The Funding Clinic LLC is committed to upholding equal housing lending practices. Terrance Wilson, CEO and Senior Broker, has an NMLS ID of 2443356.
DISCLAIMER
The Funding Clinic, LLC operates as a mortgage and business brokerage, specializing in loan arrangement, with the aim of assisting business owners in finding appropriate lenders. We do not act as a private or public lender, nor do we represent ourselves as such. Furthermore, The Funding Clinic, LLC is not a financial planning firm and does not offer financial planning services. Our expertise lies in facilitating the loan process to support you in your funding needs. While we strive to assist you in securing funding, please be aware that obtaining pre-qualifications or pre-approvals through us does not guarantee the final funding. The decision to accept or decline any loan offer facilitated by The Funding Clinic, LLC ultimately resides with the customer.