FRIENDLY FICO PROGRAM

Best for: Transactions where the business owner has difficulty documenting their income for traditional lenders.

• Lower rates than hard money
• Amortizations up to 30 years
• Cash-Outs available

Loan Amounts:

Up to $1 million

Rates:

9%+

Min. FICO

600

Term:

5, 7, 10-yr Hybrid

LITE DOC PROGRAMS

Best for: Borrowers who may not be able to disclose certain financial information or whose properties are more valuable than a tax return might show.

• No tax returns or 4506T required
• Investor or Owner-occupied
• Cash-Out’s available

Loan Amounts:

Up to $2 million

Rates:

6-9%

Max LTV Tier 1 & 2:

80%

Term:

5, 7, 10-yr
Hybrid

1-4 PROGRAM

Best for: Investors looking for non-bank financing solutions for 1-4-unit properties.

• No tax returns or 4506T required
• Eligible properties include plex properties, condos, and PUDs
• Investor transactions only

Loan Amounts:

$100,000 – $2 million

Rates:

6-8%

Max LTV Tier 1 & 2:

80%

Term:

5-7-yr Hybrid

BRIDGE PROGRAM

Best for: Borrowers in need of interim financing to support their long-term strategy.

• Non-recourse options available
• Owner-occupied or investor
• Purchase or Refinance

Loan Amounts:

$1 million – $5 million

Rates:

Floating interest only starting at LIBOR +500

Max LTV Tier 1 & 2:

80%

Term:

1-3 year primary term