Loans to real estate investors
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Loan Products
Fix & Flip
Funds for purchase + rehab or refinance + rehab
Get up to $5,000,000
Interest rate 10 - 12.75%
Origination from 1.875%
Up to 100% construction
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Rent
30 year fixed product for stabilized properties
Get up to $2,000,000
Interest rate from 7.5%
Origination 2-3%
30-year fixed rate
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Ground Up
Construction loans for residential builders
Get up to $5,000,000
Interest rate 10 - 13.25%
Origination from 1.875%
Up to 24 months
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Personal
Unsecured personal loan marketplace
Get up to $100,000
Starting at 7% APR
No collateral required
Compare many lenders
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Why Choose New Silver
Instant Online Approval
Easy 5 minute application process, completed online, no hard credit pull required
Instant Proof of Funds Letter
Get your proof of funds instantly.
Beat the competition and secure your investment property
Instant Term Sheet
Get your term sheet online in under 5 minutes. No need to wait for a phone call, get approved online and download your term sheet
Repeat Client Discounts
Discounts on fees and interest for repeat borrowers that love working with us
The Lender
The Short Answer
For businesses that are buying investment properties, there are business loans for rental property that can be a useful financial solution for these real estate purchases. Purchasing rental properties is a sound investing strategy, and business loans for rental property are available through a range of lenders, from traditional lenders like a bank or credit union, to private lenders and blanket mortgage lenders.
Qualifying for a business loan for rental property requires supplying a business plan, financial statements to illustrate the business’ cash flow, profits and other important information, credit history and scores, as well as information on the property.
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The Short Answer
The Loan To Value (LTV) ratio is used to determine whether a lender should approve a loan within the mortgage lending field. The loan to value ratio indicates the amount of debt that is going to be needed, in relation to the value of the property. In the case of 80% LTV mortgages, 80% of the property’s value will lie in the mortgage, and the other 20% will be equity in the form of a down payment.
Typically, an 80% Loan To Value mortgage will require a 20% down payment, a credit score of around 740, verifiable employment and income, as well as a home appraisal that indicates that the home is in the condition required for the mortgage. The Loan To Value figure can often dictate the mortgage term and interest rate.
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The Short Answer
When it comes to mortgage lenders, hard money lending is the ideal financial solution for many real estate investors who need an alternative to traditional loans. Whether their choice is made for the loan speed, loan amount, or the fact that they don’t qualify for a traditional loan, hard money loans offered by a private lender can be a deal saver.
When it comes to hard money lending regulations, hard money lenders aren’t subject to any stringent regulations, and typically only have to abide by the state laws around loans. This makes hard money loans easier to qualify for, and more flexible than conventional loans.
There are fix and flip loans, commercial loans, rent loans and construction loans that all fall under the hard money loan umbrella. So, investors can choose the hard money loan that best suits their investing strategy and get the right terms, rates and amounts from hard money lenders that match these requirements.
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What You Need To Know About Bridgewell Capital
Bridgewell Capital is a private money lender that specializes in real estate investments and services their loans in-house. The lender claims to have the lowest investor loan rates, and loans from this lender are usually used for purchasing and upgrading residential properties. Bridgewell Capital offers 6 loan types for a range of real estate investing strategies, from fix and flip properties to rental properties and more.
Bridgewell Capital has funded over $500 million for successful real estate investor clients and began operating in 2008. The lender can fund real estate transactions in over 25 states across the country, and loans are often provided in 10 days from start to finish. The minimum loan amount that Bridgewell Capital can offer is $100,000 and the minimum down payment is 20% of the property’s purchase price. The lender claims to offer some of the best private money loans when it comes to loans rates.
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What Is Socotra Capital And How Do Their Loans Work?
Socotra Capital is a hard money lender providing real estate investors with financing for their real estate deals. The lender provides loans to individual borrowers, brokers, and investors. These loans are equity-based, which means that they are not focused on the borrower’s personal financial history, but rather the real estate deal itself. In other words, the property is used as collateral in each hard money loan. Socotra Capital began operating in 2007 and has since funded over 1750 loans. The lender provides loans from $100,000 up to $20 million. Their interest rates start at 6.99%, and they provide a variety of real estate loans to suit a range of investing needs. Read our Socotra Capital reviews below, to find out more about the lender and their loan products.
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Top 3 Sites For Non-Accredited Investors
When it comes to real estate investments, the vast landscape of investing methods can be difficult to navigate for new and/or non accredited investors. There are various paths that a non accredited investor can go down, and choosing the correct one takes some time to research. Accredited investors may seem to have it easy, but there are non-accredited real estate investing websites that make it just as easy for non accredited investors to begin their journeys.
Real estate crowdfunding is one of the most popular real estate investment opportunities at the moment. This method is not only available to any investor (accredited or not), but it’s so easy to do that investors can simply click a few buttons and begin their journey. It’s as simple as signing up to real estate crowdfunding platforms, funding their account and then picking the deals they’d like to invest in.
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Intro To Longhorn III Investments
Longhorn III Investments is a direct private lender providing acquisition and renovation capital for investors who are purchasing fix and flip properties, as well as rental properties, for both residential and commercial assets.
The lender was founded in 2008 and has since funded 6,280 loans. Longhorn offers borrowers a fast closing time of 3 to 5 business days, and they operate in the major metropolitan areas in Texas, Missouri, Indiana, Tennessee, Alabama, North Carolina, and Georgia.
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The Short Answer
The down payment requirements for loans on an investment property, such as a rental property, are different from a primary residence purchase. The down payment for a rental property is often between 15% and 20% of the property purchase price, which can be a stumbling block for some investors.
Some useful down payment funding solutions include:
House hacking
Home equity loans
Retirement funds
Seller financing
Cross collateralization
These methods are valuable for new investors and those who need assistance to cover the down payment for a rental property, which is a requirement on an investment property loan. Get a more detailed look at these strategies below.
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Getting Started
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Learn about Loan Products and Requirements
Fix & Flip Loans
For real estate investors who want to buy, renovate and resell /refi their property within 12 months. Minimum loan amount is $100,000 and minimum as-is value is $100,000. Single family or multi-family up to 50 units is acceptable. Credit 650+ is required.
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Rental Property Loans
Perfect for investors who want to buy or refinance a stabilized (no rehab) property. This is a 30 year fixed loan with rates starting at 7%. Minimum loan amount is $100,000 and credit 680+. Single family (1-4 units) only.
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Ground Up Loans
Perfect for experienced investors who want to start a new construction project. Term up to 12 months Minimum loan amount is $100,000. Single family only. Credit 650+. At least 2 previous heavy rehab experience required.
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Personal Loans
Unsecured personal loan from a range of lender partners for home improvement and many other use cases. Lines of credit and term loans available. $1,000 to $100,000, APR starting at 7%
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Find The Most Profitable Investments
Find Your Next Profitable Real Estate Investment
Free tool that helps you find most profitable real estate investments using data and intelligence. Find a property to flip or rent out anywhere in the country.
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Works for flips and rentals
Calculates rehab cost automatically
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Find most profitable flips and rental properties
Quickly see how much money you can earn
Get estimates for construction
See history and comps
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Flip or Rent
FlipScout helps you find fix and flips and buy and holds
Narrow searches by zip code, city or a specific address
Choose between single family and multifamily
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Details That Matter
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For Flips, see the ARV and rehab calculations
For Rentals, see your profits
Calculate cost of financing
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