Services

Joint Venture Acquisition & Rehabilitation Funding:

Have a Great Deal but Need Capital ? We can pROVIDE UP TO 100%Financing to Do The Project in a Joint Venture. Here is How it Works:

100% of the Purchase Price, 100% of the Rehabilitation Costs and 100% of the Closing Costsup to 70% of The After Repair Value (ARV).

A Partnership Agreement to Share in The Profit is Entered into with You on The Project.

You will Manage the Renovation, Finances and Sale of The Property.

Our Standard Qualifying Rates  and Fees for Funding  are Applied.

Depending on the Deal and Your Experience, We Will Split the Profits with 50-90% going to You.

RULES OF THE DEAL:

100% Financing available for Single Family Homes Only.

For More information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

Joint Venture Acquisition & Rehabilitation Funding:

Have a Great Deal but Need Capital ? We can pROVIDE UP TO 100%Financing to Do The Project in a Joint Venture. Here is How it Works:

100% of the Purchase Price, 100% of the Rehabilitation Costs and 100% of the Closing Costsup to 70% of The After Repair Value (ARV).

A Partnership Agreement to Share in The Profit is Entered into with You on The Project.

You will Manage the Renovation, Finances and Sale of The Property.

Our Standard Qualifying Rates  and Fees for Funding  are Applied.

Depending on the Deal and Your Experience, We Will Split the Profits with 50-90% going to You.

RULES OF THE DEAL:

100% Financing available for Single Family Homes Only.

For More information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

Why a Multi-Point Property Analysis?

Possibly the Closet that You can get to a True Appraisal is a Capital Multi-Point Property Point Analysis  provides Detailed Data about the Property thsat You are Considering Purchasing. From Sales History, Comps, Recent Sales, and Where Available, Current Listings, to Information about The Market, The Schools, The Impact  of Foreclosures, and The Inventory, You can quickly Determine the Value.The Fee for This Service is $25.00 USD. Please Call or Text Northstar at (202)520-1252 or Email Us at :tamynorthstar@gmail.com  Please  check the Address . Most of the Mistakes made using this service result from from a Misspelled  or  Misformatted  Address. Ensure your Address by Using Google Maps  or Zillow to Find it , Then Copy  the way that it is Formatted. This service is for Residential Properties Only. While 95%  of Residential Properties Can be Found Using the Multi-Point Analysis, Some Properties Won't have Enough Comparables for the Service to Properly Valuate the Property You will Receive an Email at the Email Address that You Provide in the Next Step that either has a PDF Attachment  of The Report  or the Reason that The Service Could Not Find the Property.   .  

THERE ARE NO REFUNDS ONCE A REPORT IS GENERATED. WE ARE NOT RESPONSIBLE FOR THE ACCURACY OF THIS REPORT AS IT IS PROVIDED THROUGH A THIRD PARTY  SERVICE. USE AT YOUR OWN RISK.

For more Information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

Why a Proof of Funds Letter ?

Proof of Funds  Letters are Frequently required by Real Estate Agents prior to Them agreeing to Submit Any Offers  to Sellers. 

Many times, Proof of Funds Letters are Required along  with a Purchase Offer Contract in Real Estate Transactions.  Our Capital  Partners make it Easy  to Generate a Proof of Funds Letter to Provide to Real Estate Agents  or Oather Interested Parties. 

The Intended Use of our Proof of Funds Letter is to give You, The Investor , a Letter to provide to the Necessary Parties involved in your Real Estate Transactions that Shows that You are either Pre-Qualified or Have Funds to Purchase Real Estate. 

Proof of Funds  Letters are Not Available Online  for Investment Properties located in Arizona, California, Idaho, Minnesota, Nevada, New Jersey, New York , North Carolina, North Dakota, Oregon, South Dakota, Utah, and Vermont. Proof of Funds are Not Available Online  for more than $500,000.00 USD. 

Proof of Funds Letters for a Single Loan Collateralized by more than a Single Property are Not Available Online. 

Information required to Fill out a Proof of Funds Letter includes: Your Business or Entity Name , The Investment Property's Full Address and the Expected Loan Amount.

Our Capital Partners provide  Funds for the Purchase  of Non-Owner Occupied , Raesidential Property  ( Investment Property  with Four (4) Units  or Less ) or Commercial Property. 

For more Information, Please Call or Text Northstar at(202)520-1252 or Email Us at:tamynorthstar@gmail.com 

If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.

Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.

Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.

Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.

Customers have questions, you have answers. Display the most frequently asked questions, so everybody benefits.

BONDE PROGRAM: Type of Bond : Taxable  and Tax-Exempt  Bond

(1.) Rates: Taxable : 7.5 % ( Subject to Change at Anytime), Tax-Exempt : 5-5.5 % ( Subject to Change at Anytime), (2.)  Loan to Cost: 75% , (3.) Term : Interest Only  up to Three (4) Years  then Amortization up gto Thirty-Five (35) Years, (5.) Loan Amount : $5MM-$100MM USD, Geographic Area: USA, ( 6.) Guarantees: Non-Recourse, (7.) Reserve:  One (1 ) Year  Year of Principal  and Interest Payments , (8.) Underwriting Fees: Up to 1.5 %, (9.) Assets Financed : Independent Living Facilities, Assisted Living Facilities, Medical Centers, and Multi-Family Units.

Northstar can arrangev Bond Financing for Large-scale Projects-Worldwide up to $15BB USD+. Call or Text Ustat : 202-520-1252, Email:tamynorthstar@gmail.com

BONDE PROGRAM: Type of Bond : Taxable  and Tax-Exempt  Bond

(1.) Rates: Taxable : 7.5 % ( Subject to Change at Anytime), Tax-Exempt : 5-5.5 % ( Subject to Change at Anytime), (2.)  Loan to Cost: 75% , (3.) Term : Interest Only  up to Three (4) Years  then Amortization up gto Thirty-Five (35) Years, (5.) Loan Amount : $5MM-$100MM USD, Geographic Area: USA, ( 6.) Guarantees: Non-Recourse, (7.) Reserve:  One (1 ) Year  Year of Principal  and Interest Payments , (8.) Underwriting Fees: Up to 1.5 %, (9.) Assets Financed : Independent Living Facilities, Assisted Living Facilities, Medical Centers, and Multi-Family Units.

Northstar can arrangev Bond Financing for Large-scale Projects-Worldwide up to $15BB USD+. Call or Text Ustat : 202-520-1252, Email:tamynorthstar@gmail.com

Alternative Equity Financing:

This is an Excellent Equity Solution for New Construction Projects,  Currently Owned Distressed Projects, Partner Buyouts, and Value Add Acquisitions.

Size of Investments:$5MM-$100MM USD, , Preferred Return : 6%, , Waterfall: To Be Determined, 

ATypes of Real Estate Financed: (1.) Senior Housing, (2.) Student Housing, (3.) Multi-Family, (4.) Office Buildings, (5.) Retail Centers, (6.) Hospitality Properties  and (7.) Industrial Properties. 

On certain Opportunities, Our Lending Partners Can pair The Investments with Non-Recourse Debt.

Business Equipment Financing helps You to Finance up to 100% of the New or Used Equipment that You Need for Your Business. Applying for an Equipment Loan is Typically  a Fast  and Easy Way to Finance the Purchase  of Most types of Equipment -Computers, Machinery, Vehicles, or Whatever else You Need.

We serve over 700 Industries and Offer up to 100% of Equipment Value. Interest Rates run from 8%-30%+ , Loans Can be Approved in as little as Two (2) Days.

Equipment Financing could Provide Quick Access to Cash, Limited Paperwork, The Equipment serves as its Own Collateral, Equipment is a Revenue Producer.

Our Lending Partners  lend in All Fifty (50) States.

What You Need to Qualify : 

(A) One + Years in Business, (B) 630+ Credit Score, ( C) Annual Revenue: $100K+, 

Decision in Minutes- No Obligation

Call or Text Us at :202-520-1252  or Email: tamynorthstar@gmail.com For More Details. 

Unsecured Business Credit Cards

Program Highlights: (21.) Receive up to $300,000.00 USD, (2.) 0% Interest for Twelve (12) Months, (3.) No Upfront Fees, (4.) No Collateral, (5.) Stated Income , (6.) Start-up Businesses are Welcomed, (7.) Tradelines Do Not Report Personally, Builds up Business Credit.

REQUIREMENTS:

(1.) 700 Credit Score on All Three Credit Reporting Bureaus ( Experian, Equifax, Transunion), (2.) Under 30% Credit Utilization on Personal Cards, (3.) Under Ten (10) Hard Inquiries within thre Past Twelve (12) Months, (4.) No Late Payments for at least Six (6) Months, (5.) Seasoned Primary Personal Tradelines, (6.) No Public Records, (7.) No Collections.

DOCUMENTS NEEDED TO PROCEED:

(1.) tRI-Merge Credit Report from Experian.com, (2.) Two MAost Recent Tax Returns ( Optional).

ADDITIONAL INFORMATION:

( 1.) Higher The Credit Extended ; The Higher The Amount Approved, (2.) Once Cards are Seasoned for Six (6) Months, You will be Eligible for Balance Transfer Checks at 0% Interest and Have The Option of Increasing The Tradelines, (3.) Profitable Businesses over the Last Two Years Will be Eligible for an Annual $50,000.00 USD-$100,000.00 USD Check Book Paper Line ( Last Two Years of Business Tax Returns Required), There are Points associated which will be Deducted from the Cards Upon Receiving Them.

For More Information, Please Call or Text Northstar at: 202-520-1252 or Email Northstar at:tamynorthstar@gmail.com

inventory Line of Credit Summary:

Facility Size-$100,000.00 USD-$$5,000,000,000.00 USD, Term- Thirty (30) Days- One Hundred Twenty (120) Days ( Revolving Line of Credit, Interest Rate-1-5%-2.5% per month.

GUIDELINES:

(1.) Time In Business (TIB)- Two (2) Years, (Minimum Annual Sales-$2,000,000.00 USD,, (3.) Minimum FICO-NONE, (4.) Minimum Gross Margin- Twenty Percent (20%), (5.) Must have Positive Net Income  for Each of the Last Three (3) Years, (5.) Minimum Shareholders Equity $500,000.00 USD Less Intangibles and Intercompany Loans, (6.) No Outstanding Tax Liens, Judgments  or Bankruptcies, Company , (7.)  Company Gross Revenue and Net Worth are at least 3x Greater than the Amount Requested.

DOCUMENTS REQUIRED: 

(1.) Balance Sheet ( Last Three (3) Years, (2.) Income aStatement ( Last Three (3) Years, (3.) Matching Tax Returns (Last Three (3) Years, (4.) 2018 YTD Interim Financial Statements ( Balance Sheet and Income Statements), (5.) Last Six (6) Months of Bank Statements ( All Pages), (6.) Current Interim Accounts Receivable Aging Report, (7.) Current Interim Accounts Payable  Aging Report, (8.)  Please providfe a General Business Description and Summary  of Business Plans  and Goals; History  and Years in Business; Why You are Seeking a Revolving Facility; Describe Whom You are Buying Products  and Services from; Describe Finished Product (s) and Services  and The Companies that You Sell to.

TIME to CLOSE -Two (2)- Four Weeks.

For more Information, Please Call or Text Northstar at:202-520-1252 or Email Us at: tamynorthstar@gmsail.com.  

Medical Accounts Receivable Financing Summary:

(1.) Advance Rate: Up to 70%-80% of Estimated Collectible Value, Determined  by Using Industry Standards and Collection History.

FACTOR FEE:

1.5 %-2.5%  OF ECV For the First Thirty (30)  Days and a Daily Profated Rate thereafter, " Does Not Include USF ".

This Fee depends on the Procedures  Performed, Monthly Billing,  and Strength of The Client.

EXAMPLE:

You submit a Claim that is Estimated  to Collect $100.00 USD Within 72 Hours  Hours You're Advanced $75.00 USD ( 75%  Advance Rate) on This Claim. 

If the Claim is Paid by the Insurance Provider within Thirty (30 ) Days , The Lender will be Entitled to Their Advance (%75.00 )Plus their Factor Factor Fee ( (2%  of $100.00= $2.00 USD) and Send the Remainder ( $23.00) to You.  

Invoice Factoring && Purchase Order Loans b Summary:

Program Highlights (1.) Eighty (80%)- Ninety (90%) of The Invoice Amount Up Front on The Day The Invoice is Issued , (2.) Fees: Rates as Low as 2% Over  Thirty (30) Days, (3.) This program is Based Off of Your Customer's Business Credit, (4.) Criteria is Not Based on Your Personal Credit Score, , (5.) No Minimum Length of Time in Business, (6.) Sub-Contractors, Construction-Related Clients, and Health Care Clients Approved.

Requirements:

(1.) Invoiced Customers Must be Business to Business (B2B), (2.) Customers Must have GAood Established Business Credit.

Required Documents: (1.) Executed Application , Required Documents, (2.) Aging Accounts Receivables (A/R)  Report, (3.)  Aging Accounts ( A/P) Payments Report, ( 4.) Three (3) Months of Most Recent Business Bank Statements, (5.) Sample Invoice with Backup Documents (  i.e Proof of Delivery, Time Sheets  or Performance Reports.

For more Information , Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com 

What are Fix and Flip Loans ?

Fix and Flip are Asset-based Loans , Similar to a Hard Money Lioan , However, They utilize More Underwriting  Guidelines  and Criteria. While  Hard Money Loans focus Solely on the Asset, This Specific  Type of Loan Program looks at Both The Asset and The Borrower.  

Contrary to Hard Money Loans, Fix and Flip Loans  are usually Sold on The Secondary Market and Goes through a Full Underwriting with Tighter Guidelines. For instance, Deprending upon The Lender, Fix and Flip Loans have a Minimum FICO Requirement. Additionally, The Borrower can't have Late Payments, Foreclosure, Judgments,  or Bankruptcy  on their Credit for 24-36 Months.

There are Four (4.) Specific Areas  where an Investor requires Money  for a Fix and Flip Rehab Loan: The Down Payment , Closing Costs, Resrves, and First Draw.

During the Loan Processing and Underwriting  Stage  with The Loan  Processor , Analyzes both The Investment Property's Value and The Borrower's  Banking and Buying History.

If the Numbers Work , The Prospectiive House Flipping Investors  will Move onto The Funding Stage.

When The Borrower reaches The Funding Stage, it Consists of Paperwork  and Promissory Notes  to Sign before The Funds are Released. After all Elements are Completed to The Underwriter  and Closing Agent's Satisfaction, the Allocation of Funds will be Distributed  to The Seller of of The  Property or Directly to The  Borrower.

The Lender will Develop a Draw Schedule with The House Flipping Investor ( Borrower)  to be Utilized For the Construction Funds Part of The Rehabilitation Loan Process.

Throughout this Period, an Inspector will Confirm  that things are Done to the Local Municipal Codes and The Lender will Release  thre Remaining Portion of The Draw.  Once all Parties have Approved the Draw Schedule, Each Payment  Installment  will be Transferred  to The Borrower or Entity's Bank Account  after Completion of Each Inspection.

Transferring of Funds  to The Designated Bank Account typically Occurs 2-3 Days After The Draw Request.

FIX and FLIP LOAN SUMMARY

(1.) Investment Property Only: Single-Family , Condominiums, Townhomes, Multi-Family and Mixed-Use, (2.) Interest  Rates Starting at 7.25% ( Subject to Change at Anytime), (3.)   $100K-$5 M USD, (4.)Up to 90% Loan-to-Value ( LTV ) 75% After Repair Value ( ARV), , (5.) 100% of The Rehabilitation Costs, (6.) Blanket Loan Options Available, (7.) Bridge Loans Only, (8.) 9-24 Month Terms, (9.)Foreign Nationals Eligible , (10.) No Prepayment Penalty Option Available.

Our Lending Partners Fix and Flip Programs are Closed within an Average of 21-35 Days, Ensuring a Quick, Hassle-Free Process for All Prospective Borrowers. 

Our Fix and Flip Credit Line provides You with a Reliable Funding Source  to Purchase New Properties  or Refinance existing Investments. Our Streamlined Approval and Funding Processes enable You to Access Capital Quickly  and Without Hassle for your Next Investment Project.

Fix and Flip Line of Credit Summary:

(1.) Types of Property:  Individual or Multiple Properties, (2.) Single Family, Condominiums, Townhomes, and Multi-Family, (3.) Line of Credit Amounts: $1,000,000.00 USD-$25,000,000.00 USD, (4.) Up to 80% of Cost, ( 5.) Eighteen (18)-Twenty-Four (24) Month Terms, ( 6.) Fixed and Floating Interest Rate  Options, ( 7.) Use of Funds: Purchase or Refinance, (8.) Revolving Credit Options Available , ( 8.) Renovation Financing Available, (9.) Foreign Nationals Eligible, (10) Nationwide Lending.

For more Information, Please Call or Text Northstar at (202)520-1252 or Email Us at :tamynorstar@gmail.com

Our Single Family Property Loans are for Investors  looking to Gain More Flexibility  than Traditional Loans, Lock in Fixed Rate Financing on a Single Rental Property for Thirty (30) Years. Our Streamlined Process  means You  can Close your Loan Quickly and Without Hassle. 

Single Rental Property Loan Summary:

(1.) Properties Funded: Single Family , 2-4 Units, Townhomes, Planned Unit Developments (PUDs), , (2.)Property Must be Leased or Soon-to-Be, (3.) Loan Amounts:$100,000.00 USD-$1,900,000.00 USD, (4.)  Up to 70% of Value, (5.) Interest Rates: Thirty Year (30) Fixed  or 5/1 Adjustable Reate Mortgage ( ARM), (6.) Use of Funds: Purchase or Refinance , (7.) Eligilble Parties : Individuals, Limited Partnerships ( LPs) or Limited Liability Companies ( LLCs), (8.) Minimum FICO Score on All Three Credit Reporting Bureaus is 680, (9.) Nationwide Lending. 

For more Information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

A Commercial Bridge Loan is Defined as a Short-Term Real Estate Loan for a Commercial Property- such as a Retail Store , Office Building, Mixed-Use Apartment Building, and More.

The typical Commercial Bridge Loan has a Term of 12-24 Months, Although  Many Commercial Bridge Lioan Lenders  will Grant The Property Owner The Option to Extend the Loan for Six (6)m Months to One (1) Year.

Few Lenders Do Bridge Loans  for Commercial Properties, However, Our Lending Partners  offer This Unique Loan - Nationwide to Real Estate Investors.

Like a Typical Bridge Loan , This type of Loan  can also be a Valuable Tool For Purchase,  or Refinance  of Office Buildings, Retail Property, and Multi-Family Housing including Apartment Complexes.

Commercial Bridge Loan Summary

(1.) Investment Properties Only: Multi-Family, Commercial, Mixed-Use, Office, Retail, Industrial and Warehouses., (2.)Interest Rates Starting at 7.25% ( Subject to Change at Anytime), (3.)$200K-$5M USD, (4.) Up to 75% Loan-to-Value ( LTV), ( 5.) Fixed Rates/ Adjustable Rates , ( 6.) Bridge Loans Only, (7.) Interest Only Option Available, (8.) Foreign Nationals Eligible , ( 9.)No Prepayment Penalty.  

(1.) Single Rental Property Loans : 

Our Lending Partners Single Rental Property Loans looking to Gain more Flexibility than Traditional Investment Loans. Lock-in Fixed Rate Financing  on a Single Property for Thirty ( 30) Years. The Streamlined Process means that You Can Close Your Loan Quickly  and Without Hassle. Single Rental Property Summary: (1.) Individual Rental Properties, (2.) Single-Family, 2-4 Unit Buildings, Townhomes, Planned Unit Developments ( PUD), (3.)Currently  ( Or Soon  to Be) Leased, ( 4.) $100K-$1.9M USD, (5.)Up  to 70% Loan-to-Value ( LTV), (6.) 30 Fixed or 5/1 Adjustable Rate Mortgage ( ARM), (7.) Purchase or Refinance, (8.) Individuals , Limited Partnerships ( LPs), or Limited Liability Companies ( LLCs), (9.) Minimum FICO Score-680, Nationwide Lending.

CONSTRUCT to RENT Financing:

The Construct to Rent Program  is a One-Stop Shop Financing Solution  for Experienced Developers building New Rental Properties . This provides Certainty of Funding not only During the Construction Phase But also Long-term Financing ; Once the Projects hasve been Stabilized.  Construct to Rent Summary: (1.) New Single -Family Residential Construction Loan &  Term Loan Take-Out Financing, (2.)$3M USD-$25M  USD, (3.) Up to 7% Loan -to Constrct ( LTC) Construction Loan  ans 70% Loan-to-Value ( LTV) Term Loan, (4.) 12-24 Month Construction Loan , Five (5) or Ten (10) Year Term Loan, (5.) Floating Rate Construction Loan and Fixed Rate Term Loan, (6.) Flexible Milestone Draws for Construction Loan, ( 7.) Non-Recourse Carve-Out  with Completion Guaranty, ( 8.) Nationwide Lending.

RENTAL LINE of CREDIT 

The Rental Line of Credit Program is Designed Specifically  for Rental Investors that Purchase and Stabilize Rental Properties  with the Intention to Finance them Through Long-term Debt. Our Lenders act as Your Single Source Lending Partner and Provide You with an End-to-End Financing Solution.

Rentasl Line of Credit Summary: (1.) Individual  or Multiple [Properties , (2.) Single-Family , Condominiums, Townhomes, Multi-Family Properties, (3.) $1M-$25M  USD, (4.) Up to 80% of Cost, (4.) 18-24 Month Terms, (5.) Fixed and Floating Interest Rate Options , ( 6.) Purchase or Refinance, (7.) Revolving Credit Options Available, (8.) Renovation Financing Available, (9.) Foreign Nationals Eligible, (10.) Nationwide Lending.

RENTAL PORTFOLIO 

Our Lending Partners Rental Portfolio Loans Allow You to Access Long-term Financing  at a Fixed Rate. 

You can use these Loans to Unlock Existing Equity , Consolidate other Debt  or Purchase New Rental Properties. These Loan Products are Flexible  to MAeet the Needs of Different Rental Property Investors.

Rental Portfolio Summary: (1.) 5 = Rental Prperties, ( 2.) Single-Family , Condominiums, Townhomes, & Multi-Family Properties, ( 3.) Stabilized  ( Leased) Portfolio, $500K-$$100M USD+, ( 4.) Up to 70% Loan-to-Value ( LTV), (5.) Fixed Rates, (6.) 5, 7, or 10 Year Terms, (8.) Purchase or Refinance, (9.) Non-Recourse Options Available, (10.) Foreign Nationals Eligible, (11.) Nationwide Lending.

FIX and FLIP LINE of CREDIT

Our Lending Partners Fix and Flip Credit Line Provides You with a Reliable Funding Source  to Purchase New Properties  or Refinance existing Investments. The Streamlined Approval  and Funding Processes enable You to Access Capital Quickly  and Without Hassle  for Your next Investment Project.

Fix and Flip Line of Credit Summary: ( 1.) Individual or Multiple Properties, (2.).Single-Family, Condominums, Townhomes, and Multi-Family Properties, ( 3.) $1M USD-$25M USD, (4.) Up to 80 of Cost, (4.) 18-24 Month Terms, ( 5.) Fixed and Floating Interest Rate Options, (6.) Purchase or Refinance , ( 7.) Revolving Credit Options Available, (8.) Renovation Financing Available, (9.) Foreign Nationals Eligible and (10.) Nationwide Lending.

LARGE NON-RECOURSE V CONSTRUCTION & BRIDGE FINANCING PROGRAMS

Large Project Non-Recourse Construction Debt Financing: Loan Amount : $20M -$250MM  USD , Position : Senior Debt  /  Mezzanine , Senior Debt Rate:  4.5%-6.5 % ( Subject to Change at Anytime), LTC: Up to 85% , Investment Type : Construction/ Portfolio Acquisitions/ Value Add , Property Types: Multi-Family, Student Housing , Senior Housing, Medical Office Building.

NON-RECOURSE BRIDGE LOAN PROGRAM

Loan Amount :$1MMM-$55MM, LTV:75%, tERM: 1-3 Years, IAnterest Only, Closing in as Little as 2 Weeks, , All Real Estate Types.

NON-RECOURSE MULTIFAMILY  GROUND-UDEVELOPMENT PROGRAM:

Value Add/ Adaptive Reuse/ Rehabilitation ( Repositioning /   Acquisitions and Refinances) .

Loan Amount: $5MM-$55MM USD, Ground-Up Construction Loan Amount :$5MM-$35MM USD, Rate: Priced Individually  with Interest Rate based on 30 Day LIBOR Rate ( Floor) plus Applicable Spread, LTC: Varies from 70% -85% Based on Asset Types & KLoan Parameters, Term : 1-3 Year Terms  with Extension Options: Interest Only, Ground-Up Development / Construction  ( Multi-Family & Mixed- Use Assets Only; No SFR ( Single Family Residences)  and Also Preferential Equity Pieces  on Both Ground-Up Ground-Up Development  and Existing Assets ( Multi-Family& Mixed-Use Assets Only). Finance can involve Federal and State Historic , New Market, & Low Income Tax Credits as well as PACE/CPACE.

COMMERCIAL CONTRACTOR MATERIALS & SUPPLIES FINANCING PROGRAM:

What Our Lending Partners Do: 120 Day Material Financing Terms  to Commercial Contractors. 

The Problem: Let's face it, The Cash Conversion Cycle that Most Contractors Face is Broken.  Contractors are Required to Front Large Sums of of Money  to Purchase Materials yet are Often The Last to Get Paid upon Completion .On Average, it takes 84 Days for Contractors  to Get Paid  on Commercial Construction Projects. 

Traditional Credit Sources  are Conservative  and Unable  to Fulfill All of a Contractor's Purchasing Needs. Additionally, Traditional Supplier Terms  are too Short  and Do Not Align with a Contractor's Payment Cycle.

Solution: 120 Day Terms - Contractors Pay for Materials  When They get Paid , or Up to 120  Days , Project-Based Underwriting - Higher Approval Limits  and Less Restrictive Credir Requirements., Same-Day Approvals  and Funding Accommodate the Needs of Commercial Contractors,  on Multiple Projects  and Purchases at the Same Time - Each Purchase gets its Own 120 Day Term, No Penalty for Early Payoff, Get Credit Terms with Any Supplier.

For more Information, Please Call or Text Northstar at -202-520-1252 ot Email::tamynorthstar@gmail.com

Revolving Accounts Receivable Line of Credit Summary:

(1.) Facility Size- $250,000.00 USD-$5,000,000.00 USD, (2.) Term - Twelve (12) Months Revolving, (3.) Interest Rate-9.99%- 18.99% ( Subject to Change at Anytime). 

GUIDELINES:

(1.) Time In Business (TIB)- Two (2) Years., (2.) Minimum Annual Sales- $1,000,000.00 USD, (3.) Minimum FOC- 620 on All Three Credit Reporting Bureaus., ( 4.) Market Segment - Business to Business Sales.

 DOCUMENTS REQUIRED:

(1.) Completed ABL Application, (2.) Last Two (2) Years of Business Tax Returns, ( 3.)  Last Two (2) Years of Financials: Profit & Loss , Balance Sheet, and Cash Flow Statement, ( 4.) Twelve (12) Months of Bank Statements, (5.) Twelve (12) Months Customer Transaction Report ( Invoice Data-Detailed), (6.) Current Accounts Receivable Aging Report and Same Month for Prior Year, (7.) Current Accounts Payable  Aging Report and Same Month for Prior Year., (8.) Voided Check. 

 TOP INDUSTRIES: 

(A) Manufacturing, (B) Distribution, (C) Business Services, ( D) Wholesale, (E) Transportation.

RESTRICTED INDUSTRIES:

 ( A) Healthcare , ( B) Construction, ( C) Progress Billing, ( D) Unperformed Work, ( E) LAegal Services.

RESTRICTED STATES:

(A) California, ( B) North Dakota, ( C) South Dakota, ( D) Nevada, ( E) Vermont.

TIME  TO CLOSE- TWO ( 2) WEEKS.

 For more Information, Please Call or Text Northstar at: 202-520-1252   or Email Us at:tamynorthstar@gmail.com

Merchant Cash  Advances

GUIDELINES: .

Underwriting Guidelines:$10,000.00 USD-$1,000,000.00 USD, Up to 4th Position, Daily / Weekly Payments, 550 Minimum Credit Score, One (1) Year Time in Business, Non-Sufficient Funds -5/ Month, Minimum Deposits- 4, Renewals 50% Paid In, Early Payoff Discount, Limited Stipulations, 3-Hour Approvals, DocuSign Contracts, Fastest " A&B"  Paper Funder, Soft Credit Pull, Buy-Rate Approval Starting at 1.27 %, ( Subject to Change at Anytime), Daily & Weekly Repayment Options, , Same Day Funding. 

Approved Industries For Funding:

(A) Medical Industries, (1.) Home Healthcare, (2.) Laboratory Services, (3) Medical Offices, (4) Medical Research, (5.) Medical Wholesale & Distribution, (6) Mental Health Providers, (7) Physical Therapy, (8) Substance Abuse Support.

Construction Industries: 

(1) HVAC, (2) Electricians, (3) Plumbing, ( 4) General Contractors, ( 5) Handyman/ Repair Services, (6) Specialty Construction.

Other Industries:

(1) Accounting, (2) Agriculture, (3) Auto Repair, (4) Convenience Stores, ( 5) E-Commerce, ( 6) Farmers Markets, (7.) Funeral Homes, (8) Grocery Stores, (9) Guns & Ammo, (10) IT Services, (11) Landscaping Companies, (12) Laundromat/ Dry Cleaners, (13) Liquor Stores , (14) Manufacturing, (15) Marketing, (16) Pet Care, (17)  Pharmacy, (18) Property Management , (19)   Restaurants, (20) Transportation/ Logistics , (20) Trucking.

Let's Get Started : ( 1.) Signed and Completed Application, (2.) Four (4) Months  of Business Bank Statements, MTD After the 14TH . 

For an Application and More Information; Please Call or Text Northstar at :2032-520-1252 or Email Uas at :tamynorthstar@gmail.com

Unsecured Business Term Loan 

Program Highlights: (1.) $30,000.00 USD-$200,000.00 USD, (2.) 6.99%-M 26.99%  Fixed Interest Rate ( Subject to Change at Anytime), (3.) Two (2) -Five  (5) Year Repayment Terms  ( Montly Payment), (4.) No Prepayment Penalty .

Requirements:

(1.) Minimum FICO Score -650 On All Three Credit Reporting Bureaus, (2.) No Bankruptcies  or Foreclosures in the Past Three (3) Years, (3.) No Outstanding  Tax Liens, ( 4.)Minimum Time in Business (TIB)- Two (2) Years.

For More  Information; Please Call or Text Northstar at:202-520-1252 or Email Us at: tamynorthstar@gmail.com

Commercial Real Estate / Business  Expansion  Loan  Summary:

PROGRAM HIGHLIGHTS:

 (a)$500,000.00 USD-$5,000,000.00 USD, (B) Prime Rate Plus 1.5 %-2.75% Interest  ( Fixed and Variable Rates), (C) Financing up to 90%, ( D) Twenty-Five 25)  Term ( Monthly Payment), (E) No Prepayment Penalty After Three (3) Years.

REQUIREMENTS:

(A) Minimum FICO Score -685 on All Three Credit Reporting Bureaus, (B)Sufficient Personal and Business Cash Flow  to Service All Debt Payments, ( C) No Bankruptcies  or Foreclosures in the Last Three (3) Years, ( D) No Collections , Liens, or Late Payments ( Within Thirty (30) Days, (E) No Felonies, ( F) No Delinquencies and/ or Default  on Government Loans, ((G) Minimum Two (2) Years in Business. 

For More Information, Please Call or Text Northstar at:2032-520-1252 orb Email Us at:tamynorthstar@gmail.com    

Cannabis Business Loans Made Easy

When it comes to owning a Cannabis Business ; One obstacle to Financing. Loans are a Standard Operating Procedure of Any Healthy Business.  While it has been Challenging to Secure a Cannabis Loan in the Past , it is Now Easier than Ever to Grow and Finance your Cannabis Business.

We can Help your Cannabis Business with the Following Types of Loans:(1.) Term Loans, (2.) Line of Credit, (3.) Business Cash Advance, (4.) Personal Loan  or (5.) 0% Business Credit Card ( Subject to Change at Anytime).

Here are the Main things that Cannabis Loans Can Help You to Finance: (1.) Rent for New Locations, (2.) Grow Costs, (3.) Day-to-Day Operations, ( 4.) Employee Salaries and ( 5.) Production Expenses.

For more Information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com 

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.

Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.

Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.

Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.

Customers have questions, you have answers. Display the most frequently asked questions, so everybody benefits.

We now Offer Owner-Operator Financing for the following: ( 1.) Tractor -Trailers and Reefers, (2.) Big Box Trucks, (3.) Dump Trucks. New CDL Drivers are Welcome, Bad Credit Borrowers also Welcome , Fast Funding Approvals. Get the Truck that You Want. Currently,  The Transportation  is 80,000 Drivers Short ! Call or Text Northstar ; Today for More Information at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

Invoice Factoring / Purchase Order Loan  Summary:

PROGRAM HIGHLIGHTS

(A) 80-90% OF The Invoice Amount Up Front  The Day  It Is Issued, ( B) Rates from as Low as Two (2) % Percent  over Thirty (30) Days., ( C) Program is Based Off of Your Customers Business Credit, ( D) Crietria is Not Based on Your Personal Credit Score, (E) No Minimum Length of Time in Business, (F) Sub-Contractors, Construction Related Clients, and Health Care Clients Approved.

REQUIREMENTS:

(1.) Invoiced Customers Must be B2B ( Business to Business), (2.) Customers Must have Good Established Business Credit. 

REQUIRED DOCUMENTS:

( 1.) Executed Application  Required Documents, (2.) Aging Accounts Receivable  (A/R) Report, (3.) Aging  Accounts Payable ( A/P) Report, (4.) Three (3) Months  of Most Recent Business Bank Statements, (4.) Sample  Invoice with Backup  Documentation  ( IE, Proof of Delivery, Time Sheets or Performance Reports).

Please Call or Text for More Information  at :202-520-1252 or Email Us at:tamynorthstar@gmail.com  

Our Rental Loans allow You to Access Long-Term Financing  at a Fixed Rate . You can Use our Loans  to Unlock your Existing Equity , Consolidate other Debt  or Purchase New Rental Properties.

The Rental Loan Programs that our Lending Partners provifde  for Real Estate Investment Properties Allow Experienced Real Estate Investors to Purchase Individual Rental Properties  to Expand Their Portfolio . Real Estate Investors utilize Our LAending Partners  Rental Loans  to Refinance  a Property  for a Lower Interest Rate or Purchase a New Investment Property for Rental Purposes. 

Why Should You Invest in a Rental Property ?

Experienced  Real Estate Investors Choose to Invest in Rental Properties  to Build Long-Term Wealth through Real Estate. Rental Loans  provide Long-Term Financing  for Single-Family Residential Properties, Commercial Properties, Multi-Family Properties and More.

RENTAL LOAN SUMMARY:

( 1.) Investment Properties Only: Single-Family , Condominiums, Townhomes, Multi-Family, Commercial, Mixed-Use, Office, Retail, Industrial and Warehouses., (2.) Interest Rates Starting at 4.375% ( Subject to Change at Anytime), ( 3.) $100K-$5M USD, ( 4.) Up to 85% Loan-to-Value ( LTV), (5.) Blanket Loan Option Available, ( 6.) Fixed Rates/ Adjustable Rates, (7.)  5/1 ARM ( Adjustable Rate Mortgage), 7/1 ARM ( Adjustable Rate Mortgage), 30 Year Fixed, (8.) Interest Only Option Available, ( 9.) Foreign Nationals Eligible, (10.)No Prepayment Penalty Option Available. 

Business Line of Credit Highlights( 1.) :

$5,000.00 USD-$250,000.00 USD, (2.) Up to $250,000.00 USD ( Single Location), Up to $300,000.00 USD For 2+ Locations , (3.) Six (6) or Twelve  (12) Month Terms, (4.) Weekly or Monthly Payments, (5.) No Prepayment Penalties. 

Guidelines:

(1.) Brick and Mortar Location, (2.) Time in Business ( TIB) - 1.5 Years Year Minimum, (3.) Minimum Annual Sales-$300,000.00 USD, Minimum Credit Score: 600.

Revenue Based Business Loan 

Program Highlights: 

(1.) No Collateral, (2.) No Credit Requirements, (3.) Liquid Cash Deposited into Your Account Within 2-3 Business Days, (4.) Receive up to 100% of of Your Average Monthly Deposits, ( 5.) Up to Eighteen (18) Month Terms, (6.) Daily/ Weekly/ Payment Plans, (7.) Prepayment Discounts, (8.) Businesses with Tax Liens Approved.

REQUIRED DOCUMENTS:

( A.) (4 Most Recent Business Bank Statements, ( B) Company Application and ( C) Debt Schedule.

Unsecured Personal Term Loan

Program Highlights:

(1.) Up to $300,000.00 USD Funding Range, (2.) Liquid Capital Deposited into Your Account Within 5-7 Days, (3.) No Collateral, (4.) No Pre-Payment Penalty, (5.), Interest Rate Range-6%-20%, , (6.) 3-5-7 Year Terms, (7.) Retired Applicants Approved, , (8.) Consolidate Credit Card Debt.

REQUIREMENTS:

(1.) Minimum 650 FICO Score, (2.) Debt -to-Income (DTI) Ratio Must be Under Fiorty Percent (40%), (3.) Must Show $20,000.00 USD Taxable Income.

REQUIRED DOCUMENTS: (1.) Color Copy of Driver's License ( Front and Back)  ( All Four Corners Visible), (2.) Most Recent Personal Tax Return, (3.) W-2 ( If Employed), , (4.) 2 Most Recent Pay Stubs (If Employed), (5.) 3 Most Recent Personal Bank Statements, (6.) Fee Agreement.   

Unsecured Business Working Capital -Debt Refinance Term Loan

Program Highlights :

(1.) $30,000.00 USD-$350,000.00  USD, (2.) 7-8% Interest Rate ( Subject to Change at Anytime), (3.) Ten (10) aYear Term  ( Monthly Payments), (4.) No Prepayment Penalty.

REQUIREMENTS: 

(1.) Minimum FICO Score-650, (2.) No  and/ or Default on Government Loansor Foreclosures in the Last Three (3) Years, ( 3.)No Collections, Liens ,  or Late Payments ( Within 30 Days), (4.) No Felonies, , ( 5.) No Delinquencies  and, / or Default on Government Loans , (6.) Minimum of Two (2) Years in Business.

Foreclosure Bailout Loans  are Specifically Designed to  to Save Investment Real Estate Investors from Losing Their Properties being Foreclosed  upon by The Bank. This particular Loan is Only for Investment Properties, Not Owner-Occupied  Properties. 

LAooking towards a Private Money Lender for a Foreclosure Loan  is a Great Solution  to a Highly Stressful Situation. Privsate Lenders are Willing to Work with Borrowers  to Lend Homeowners ( Investors) Money to Avoid Foreclosure.

Private Money Lenders that Provide Foreclosure Bailout Loans May be More Difficult  to Find since Very Few Lenders provide This Mortgage Program.Our Lending Partners are a One-Stop Shop, that has All Types of of Mortgage Programs under One Roof. 

Being Nationwide, We are Able to Help Real Estate Investors around the Around  The USA , Get out of Foreclosure in a Quick, Efficient  and Effective Manner.

If You afre facing Foreclosure  or are Three (3) or More Payments behind in your Mortgage , a Foreclosure Bailout Loan from Our Lending Partners Can Help You to Receive Direct Funding.They have Helped Hundreds of Real Estate Investors  Stop  Foreclosure and They Can Help You, too.

A Foreclosure Bailout Loan is Considered an Asset-based Refinance Mortgage, Based on the Current Appraised Value of the Property or Asset.  

Additionally, Foreclosure Bailout  Loans  Require an Appraisal  Report to to Determine the Value of the Collateral..

Foreclosure Bail-Out  Loan Summary:

(1.) Investment Properties Only: Single-Family, Condominiums, Townhomes, Multi-Family , Commercial, Mixed-Use, Retail, Industrial and Warehouses., (2.) $200K-$5M USD, (3.) Interest Rates from 9,00%- 11.99%, (4.) Loans up to 55% of Value, (5.) Bridge Loans Only, (6.) Up to Twelve (12) Months  Term, (7.) Foreign Nationals Eligible, (8.)Interset Only Payment Option Available.  

Our Business Line of Credit is For: (1.) Brick & Mortar, Retail Stores, (2.) Restaurants ( Including Fast-Food ), , (3.) Bars and Taverns, , (4.)  Caterers, (5.) Bakeries & Cafes, ('6.) ;Liquor Stores, Hotels, Motels, Bed & Breakfast  Facilities, (7.) Retail Stores, Auto Repair Shops, Salons & Spas, (8.) Medical asnd Dental Offices.

HIGHLIGHTS:

From-$5000.00 USD-$175,000.00  For One Location, Up to $300,000.00 USD For Two (2) or More  Locations , Six (6)-Fourteen (14)  Month Terms, Rates Start at 15%, No Pre-Payment  Penalties  ( Pay Off  thr Debt Anytime for Interest Savings). No Fees to Keep The Credit Line Open.

GUIDELINES

(A) Must have a Brick and Mortar Location, , (B) Time IN Business-1.5 Years Minimum  ( Same Ownership  and Location), Minimum Annual Sales- $300,000.00 USD, ( C) Minimum FICO- 600 on All Three Credit RAeporting Bureaus, (D) Minimum Bank Statement Statement Ending Balance -$2,500.00 USD, ( E) Up to Two ( 2) Cash Advance Positions or Short-Term  Loans Must be Paid Off  from  LOC  Funds  ( Borrower Must Net 50% After Cash Advances are Paid Off).

REQUIRED DOCUMENTS:

Business Bank Statements for the Last Twelve (12)  Months.

Please Call or Text Northstar at :202-520-1252  or Email Us at: tamynorthstar@gmail.com  

Amazon Store Inventory Financing Summary

This Lending Program offers Short-Term Business Loans , Asset Based Loans ( ABL) Lending  to Qualified Sellers  so They can Finance the Additional Costs for Inventory  to Sell throughAny Delayed Marketplace.

ECommerce Loans are Available to Qualified Sellers  and Loan Amounts  range from $1000.00 USD-$20,000,000.00 USD. Amazon Loans , Invoice Funding and Lines ogf Credit are Available for Startups  and Large Organizations.

Why Do I Need Inventory Financing ?

If You are looking for a Line of Credit  and are Sitting on Significant Equipment or Inventory, You can Leverage those Assets  by Securing Amazon Inventory Financing. Proceeds can be used General Working Capital Needs.

or Acquisition, Unexpected Expenses,  or For General Working Capital Needs.

How does Inventory Financing Work ?

Our Lending Partners will Evaluate the Liquidation Value  of the Equipment/ Inventory  and Assign Value. You can Elect  to Draw Down on the Credit Line  At Will  and Only Pay Interest Costs Monthly , like a Home Equity Line of Credit . Our Lenders will Advance either The Lower  of Cost or The Net Orderly Liquidation Value.

How much Does Inventory Financing Costs?

As with All  Asset-Based Lending , The Costs varies  for Each Tranaction.  The Monthly Percentage is Based on: (1.) Haow Liquid the Inventory is ( Liquidition Value ) ?, (2.) Where its Located  ( Centrally vs. Spread Out), (3.) Whether  or Not if its Perisherable  or Fad Related).

Inventory Financing is a Good Way to Leverage Eaxisting Goods  for Additional Purchases. Unlike Accounts Receivable ( A/R)  or Purchase Order ( PO) , This Functions more like a Traditionsal Line of Credit , with Interest Only Payments Until Maturity  for Only the Portion  of Pricipal  of Your Drawdown.

How long Does it Take ? 

From the Time that You Submit the Amazon Inventory Financing Application  and Due Diligence Materials , itb Takes Approximately  a Week to Underwrite , After Which an Appraiser is Sent  to Value Inventory.  To Close the Process takes vApproximately Three (3) -Four ( 4) Weeks.

SUBMISSION/ APPROVAL PROCESS ? 

(1.) Completed and Signed Funding Application, (2.) Current Financials  including Accounts Receivable Aging Report and Accounts Payable Aging Report. ( 3.) Complete Inventory List with Locations.

TERMS: 8%- 15% Interest Rates (Revolving Terms: Short and Long-Term Payback , Advance -$500,000.00 USD-$20,000,000.00 USD.

Grow and Invest in Your Business.

You could Get Working Capital, Purchase More Inventory  and take on New Opportunities.

For more Information, Please Call or Text  Northstar at: 202-520-1252 or Email Us at :tamynorthstar@gmail.com. 

Our Lending Partners Can Finance Heavy Duty Construction Equipment ; Vlued between $20,000.00 USD-$250,000.00 USD- Nationwide ! Up to 65% Loan-to-Value ( LTV), 24-60 Month Term, No Minimum FICO, Start Ups are O.K. !

REQUIRED DOVCUMENTATION:

(1.) Credit Report

, (2.) Invoice / Equipment Specifications, (3.) Bank Statements ( 3 Months), (4.) Personal Financial Statement, (5.) Facilities List  ( Additional Colateral), 6.) Schedule of Real Estate Owned by Applicant.

For more Information, Please Call or Text Northstar at-202-520-1252 or Email Us at:tamynorthstar@gmail.com

Our Lending Partners will Work Hard to Help You Purchase a Recent Model  Truck or Tractor , Whether to Grow your Fleet or to Get Started as an Owner-Operator just Beginning in the Trucking Industry.  There are No Minimum FICO Scores, We offer Same -Day Approvals, Start-ups are O.K, Past Bankruptcies are O.K. ! We Offer Purchase Financing and Title Loans. We Do Not require Tax Returns, Up to 75% aLoan-to-Value ( LTV), Up to 60-Month Terms, Early Payoff after 12 Months. , Past Foreclosures are O.K., Owner-Operator with a New CDL  is O.K., All Fees are Financed, ACH  Payments ( Checking Account Deduction Payments), Extended Warranty Available.  

For more Information, Please Call or Text Northstar at -202-520-1252 or Email Us at :tamynorthstar@gmail.com

Our Lending Partners can make Loans from $60,000.00-USD-$3, 000,000.00 USD  FOR Six Months to Sixty Months on Different types of  Real Estate including: Multi-Family, Retail , Office,, Residential, Industrial and Assisted Living Facilities. 

 Our Lending Partners offer: Bridge Financing, Project Funding, Fast Working Capital even if You have have been Turned Downed  by the Banks Because of Low FICO Scores. We offer 70% Loan-to-Value ( LTV) / LTC Financing, All Credit Profiles are Welcome , Early  Payoff Available, Interest Only Option Available, Bridge Loans, Cash-out Financing.

Documents Required:

(1.) Use of Financing Statements, (2.) Mortgage Statements, (3.) Bank Statements (3 Months), Tax Returns  ( One (1) Year,  A Copy of your Rent Roll(s) if Applicable, Property Financial s  ( Two (2) Years + Year-to-Date Interim Records).  This type of Financing is For Real Estate Owners with Equity tied up in Their Properties.

For More Information, Please Call or Text Northstar at-202-520-1252 or Email Us at :tamynorthstar@gmail.com.

What is a SBA Loan ?

SBA Load Administration (SBA). These Fixed-Rate Loans are Designed  to Make  it Easier for Small Businesses  and Entrepreneurs  to get Financing. These Fixed-Rate  Loans issued by Private Lenders  and Backed by The U.S. Federal Government's Small Business Administration (SBA). 

Under the SBA's 7(a)  Loan Program , The Lender provides the Loan  and The SBA Promises to Pay The Lender a Portion of the Loan if The Borrower Defaults. 

Having Government Backing allows Lenders to take on More Risks When it Comes to Providing Loans to Small Businesses. In the 2020 Fiscal Year , Lenders issued a Combined 428Billion USD in SBA Loans.

Which SBA Loan is Right For Your Business?

(A) SBA 7(a): The Standard SBA 7(a) is the Most Common , and Most versatile SBA Loan. With a Loan Amount of Up to $5MM USD and the Widest range of Uses, it Can Benefit Any Business that's Eligible.  That said, It's an Especially Attractive Option for Startups due to the Combination of Large Capital  and Flexibility.

(B) SBA 504: If You can Pinpoint your Needs Specifically to New Machinery  or Facilities, However, The SBA 504 Loan is your Best Bet. IAt is Similar to The Standard 7(a) , with Loans up to $20MM USD and Extended Repayment Terms, But it's Designed specifically  for Large , Stationary Spending. Look into The  504  if your Busineses is in Need of New Land , New Facilities , Expanded Operations.

( SBA Express Loans:  SBA Express Loans, Meanwhile , Get You Money Quicker, But Lesss of it. The Express Loan drastically Reduces  the Time  it takes to Receive Financing ( Approval comes within Thirty-Six (36) Hours, Making it Ideal  for Thodse Looking  fro Quick Turnaround. 

It's Best  if You're an Established Business  with Specific, Time-Sensitive Needs, Since Eligibilty  is More Difficult  and New Businesses Might Not be Approbved. The Loan Amount Caps out at $350,000.00 USD, But because of Their Speed They're are Ideal if You're Eligible  and Require Less Capital for an Urgent  or Niche Need.

What is an SBA Loan Guarantaee ?

A Loan Gurantee is The Amount that The Federal Government has Agreed to Pay on the Loan . It can be as High as$3.75MM USD, and it Guarantees that in the Event of a Deferral , The Lender Will Still Receive that Amount  From The Government . Loan Guarantees are What give Private Lenders the Confidence to Offer SBAs with Lower Payments and More Flexible Terms.

How long Does it Take to Get an SBA Loan ?

SBA Loans typically take Sixty (760)- Ninety (90) Days  from Application to Receive Funds. Of Course, This depends on the Loan Type , The Eligibility of The Applicant , as well as Other Factors unique  to Each Business. Those that Require Quicker Access to Finances Can Apply for an Express SBA Loan, Which reduces Approval Time to Thirty-Six (36) Hours, and Delivers Money to The Borrower's Bank Account in a Matter of Weeks. 

What are the SBA Loan Requirements

  The SBA sets Rules and Guidelines that Lenders have to FollowWhen issuing SBA Loans. To qualify for an SBA Loan, a Business Must be a For-Profit Business located in The United States ot its Territories. The Business Owner Must have Invested therir own Time and Money in the Business. The Maximum Loan Amount is $5MM USD, Minimum Credit Score is usually 680, Although some Lenders have been found  to Accept Credit Scores as Low as 620., Collateral generally isn't a Requirement of Loans Worth $25,000.00 USD or Less . Loans of $25,000.00 -$350,000.00 Always involve Some Collateral. For Loans exceeding $350,000.00m The SBA Requires Lenders  to " Collateralize the Loan  to the Maximum Extent Possible  up to the Loan Amount. 

Businesses involved in Certain Industries, such as Gambling, Medical Research , and Marijuana , are Ineligible -even if Their Activities are Legal in the State Where they are Located.

Applying  for an SBA  Typically involves a Lengthier Application  Process  than for a Regular  Business Loan..

The Following  is a List of Things Lenders May take into Consideration:

 (A) Personal Background , including Criminal Record Report, Anyone owning Twenty Percent (20%) or More of the Business Must Fill out a Form with Their Personal Information and Sign a Personal Guarantee., (B) Business Background::Members of the Company Management Team Should be Prepared to Provide a Resume' outlining Their Business and Work Experience. , ( C) Business Plan: This should include a Value Proposition , Financial Statements and Projections , Details of Any Existing Debts, and a Clear outline  of How The SBA Funds Will be Used., (D) Personal and Business Statements, Tax Returns ( Two Years) and Bank Statements., (E) Business Credit Reports: As with a Personal Credit Report , The Lender will Need You  to Provide Deatils so it Can Access This Report.

CURRENT SBA RATES ( JANUARY-2021) ( Interest Rates are Subject to Change at Anytime)

SBA Loan Programs :

(A) SBA 7(a) Loan-Over $50,000.00 USD; Over Seven (7) Years= Prime Rate +2.75%, ( B) SBA 7(a) Loan- Under $50,000.00 USD; Under Seven (7) Years =Prime Rate +4.25%, ( C)  SBA 7 (a) Loan - Between $25,000.00 USD- $50,000.00 USD; Under Seven (7) Years= Prime Rate +3.25%, (D) SBA 7(a) Loan -Over $50,000.00 USD; Under Seven (7) Years= Prime Rate + 2.25%, (E) SBA Express Loan- Up to $350,000.00 USD ; Up to  Seven (7) Years= Prime Rate +4.5% to 6.5 %, (F) SBA 504 Loan/ CDC Loan ( CDC Portion)- Up to $5.5MM USD; Ten (10) Years= 5-Year Treasury Rate +2% to 4.322% in Fees, ( G) SBA 504/ CDC Loan ( CDC Portion)- Up to $5.5 MM USD ; Twenty (20) or Twenty-Five (25) Years= 10-Year Treasury Rate +2% to 4.322% in Fees, (H) SBA Microloan- Less than or Equal to $10,000.00 USD ; Up to Six (6) Years= Cost of Funds+ 8.50%, (I) SBA Microloan -Over $10,000.00 USD ; Up to Six (6) Years= Cost of Funds +7.75%.

SBA Loans are Designed to make it Easier For Small Businesses to Get Funding. If your Business has Exhausted All other Financing Options , You may be able to Get an SBA Loan.

SBA Loans can be Used for The Following: (1.) Purchase Land, ( 2.) Cover Construction Costs, (3.) Purchase or Expand an Existing Business, (4.) Refinance Existing Debt, and (5.) Purchase Machinery, Furniture, Supplies,  or Materials.

For more Information and an SBA Application; Please Call or Text Northstar at-202-520-1252 or Email Us at:tamynorthstar@gmail.com

NO-DOC Commercial Loans :

This Loan is Designed to Help PArperty Owners, Who are Often Overlooked  by Traditional Lenders  due to Lower LAoan Amounts and / or Less than Ideal Credit Scores. It offers more Flexibility  than Traditional Lending Sources without Charging the High Rates some Lenders Do.

Loan Specifications:

 Property Types :Multi-Family, Mixed Use, Office, Retail, Light Industrial and Warehouses., Loan Amounts; $100,000.00 USD-$5MM USD, Loan -to-Values (LTVs) Up to 80%, Credit Score Needed : 650 Minimum  on All Three Credit Reporting Bureaus, Interest Rates Starting at 4.99 % ( Subject to Change at Anytime), Programs: Purchase , Rate & Term  and Cash Out, Document Requirements-NO DOC, Prepayment Penalties: Five (5) Year Step Down.

Long-Term Financing:  This type of Loan Program has Long-Term Financing ( 5/1 ARM ( Adjustable Rate Mortgage), 30 Year Fixed) For Real Estate Investors looking to Pyurchase , Rate and Term , or Cash -Out.

For Your Real Estate Investment Needs: A NO-DOC  Commercial Loan is the Perfect Solution for Any RealEstate Investor , First Time Borrowerers to Seasoned  Real Estate Entrepreneurs. 

NO UPFRONT FEES! NO JUNK FEES ! NO TAX RETURNS !

For more Information, Please Call or Text Northstar at-202-520-1252 or Email Us at:tamynorthstar@gmail.com

If Your Business is Any of the Following Industries, Then You Can be Approved for up to $200,000.00 USD in Computer Servers with a Simple Monthly Payment for 60 Months:

APPROVAL INDUSTRIES:

(1.) Medical Billing, (2.) Staffing Agencies, (3.)Marketing / Advertising Agencies, (4.) Publishing Companies, (5.) Technology Companies/ IT/Software Companies, Architects, Engineering Companies, (6.) Printing Companies, ( 7.) Hotels, (8.) Motels, (9.) Gyms, (10)Accounting Firms including CPA's and Tax Preparation Services, (11.) Collection Agencies, (12.) Insurance Agencies, (13.) Financial Planners/ Investment Advisors, (14.) Real Estate Companies, (15.) Mortgage Companies, Mortgage Companies, (16.) Attorneys  ( All Practices), ( 17.) All Physician Types/ All Doctor's Offices, Chiropractors, (18.) Dentists, (19) Home Health Services, (20.) Mental Health Services, (21.) Pharmacies, (22.) Physical Therapists, (23.) Residential Care Facilities ( Can also be the Residence of The Owner if Underwriting Crireia is Met ), (24.) Substance Abuse Services ( Outpatient and Inpatient), (25.)Medical Diagnostic Centers, MRI Facilities, ( 26.) Dialysis Facilities, (27.) Veterinarians, (28.) Auto Sales/ Car Dealerships,(  29.) Funeral Homes, (30.) Bail Bond Offices, ( 31.) Security Services, (32.)  Manufacturing Companies. 

For more Information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

If Your Business is Any of the Following Industries, Then You Can be Approved for up to $200,000.00 USD in Computer Servers with a Simple Monthly Payment for 60 Months:

APPROVAL INDUSTRIES:

(1.) Medical Billing, (2.) Staffing Agencies, (3.)Marketing / Advertising Agencies, (4.) Publishing Companies, (5.) Technology Companies/ IT/Software Companies, Architects, Engineering Companies, (6.) Printing Companies, ( 7.) Hotels, (8.) Motels, (9.) Gyms, (10)Accounting Firms including CPA's and Tax Preparation Services, (11.) Collection Agencies, (12.) Insurance Agencies, (13.) Financial Planners/ Investment Advisors, (14.) Real Estate Companies, (15.) Mortgage Companies, Mortgage Companies, (16.) Attorneys  ( All Practices), ( 17.) All Physician Types/ All Doctor's Offices, Chiropractors, (18.) Dentists, (19) Home Health Services, (20.) Mental Health Services, (21.) Pharmacies, (22.) Physical Therapists, (23.) Residential Care Facilities ( Can also be the Residence of The Owner if Underwriting Crireia is Met ), (24.) Substance Abuse Services ( Outpatient and Inpatient), (25.)Medical Diagnostic Centers, MRI Facilities, ( 26.) Dialysis Facilities, (27.) Veterinarians, (28.) Auto Sales/ Car Dealerships,(  29.) Funeral Homes, (30.) Bail Bond Offices, ( 31.) Security Services, (32.)  Manufacturing Companies. 

For more Information, Please Call or Text Northstar at (202)520-1252 or Email Us at:tamynorthstar@gmail.com

Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.

Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.

Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.

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Northstar offers a Wide Selection of Private Lender Financing for the Following Types of Properties: Non-Owner-Occupied Dwellings including: Single Homes, 1-4 Unit Apartment Buildings , Office Buildings, Retail Shops, Industrial Buildings, Warehouse Buildings, Multi-Family Buildings, New Ground up Build to Suit Properties, Planned Unit Development Projects, Townhouses, Mixed Use Facilities and Condominiums.

A Hard Money Real Estate  is Simply a Short-Term Loan Secured by Real Estate. Hard Money Loan Lenders  are Primarily concerned with the Property's Value rather than The Borrower's Credit.  Whether it's a Commercial Real Estate Loan  or a Residential Real Estate Loan , a Hard Money Loan benefits Borrower's Who Do Not have the Ability to Go to the Bank  Due to Their Credit . Where the Banks say " No" , the Hard Money and Private Lenders Can Still say " Yes" !

Hard Money Lenders for Beginners

There is a Large Amount of Real Estate Investors  that Struggle  with Other Sources  of Financing such as Traditional Mortgages  and Lines of Credit. This is Why Borrowers Choose to Work  with a Hard Money Loan , Because This Type of Program  is an Asset-based Loan, Which means the Financing is Based on the Loan-to-Value ( LTV) of the Asset.

Unlike other Privatte Money Loans , a Hard Money Loan Does Not Go Through Full Underwriting  as it Doesn't Have Many Guidelines  and Criteria there isn't Any Minimum FICO  Requirement for The Borrower. 

Real Estate Investors who aren't Able to Secure Financing with a Traditional Mortgage Loan for Their Investment Property, Can turn to Hard Money Lenders to Obtain Funding.

For both Experienced  and Novice Real Estate Investors, a Private Hard Money Loan Program  is The Perfect Solution  to Achieve Your Real Estate Investment Goals.

Nationwide Property Types for vHard Money Loans 

Applying for a Hard Money Loan is a Fast and Easy Process. First find an Investment Property  and Reach Out to a Direct Private Money Lender to Assess your Loan Scenario.

Direct Private Money Lenders  Can Provide  a Hard Money Loan for the Following Property Types:(1.)Single Family, (2.) Mixed-Use, (3.)Multi-Family, (4.) Commercial.

Working with  a Hard Money Lender will Allow You to Have Your Loan Approved  in Half the Time a Traditional Bank Loan takes, with Less Underwriting and Guidelines 

Hard Money Loan Summary

(1.) Hard Money Loans are for Investment Properties Only, (2.) Due to their High Interest Rates and Costs , they Cannot be Used  for Owner-Occupied  Properties-Making Them Ideal  for The Real Estate Investor, (3.) Hard Money Loans are Loan-to-Value ( LTV) Loans, Meaning that they are Based on Your Assets rather than Your Credit History, and are Generally Capped at 75%  of Your Assets Value, (4.) The Hard Money Loan Requirements and Approval Process is a Quick and Easy  as there are Few  Regulations and No Minimum FICO Score Required, ( 5.) Funding  from a Hard Money Loan can be Received in as little  as 2-3 Weeks from Applying.

What is a Soft Money Loan ?

Soft Money is Defined  as a Long-Term  (5/1, 7/1, ARM ( Adjustable Rate Mortgage), 30 Year Fixed) Real Estate Investment Loan Program that Closes Faster  (2-3 Weeks) than a Conventional Loan.

This type of Loan Program requires more Underwriting than a Hard Money Loan, Allowing it to have Lower Rates and Greater Security. It is  based  on Both The Borrower's Credit Score  ( Minimum 650 on All Three Credit Bureaus), and the Property's Loan-to-Value ( LTV), , is Always a Term Loan  rather than a Bridge Loan.

An innovative approach combining  the Benefits of Hard Money that have Lower Risks, Higher Rates, and a Short Term  Loan Time -Frame - Contrastingly , Soft Money Programs fit Many Borrowers  far Better due  to The Program's  Lower Costs, and Longer Terms.

Why Should You Use a Soft Money Loan ?

( A.) Long -Term  Financing : This Type of Loan has Long-Term Financing (5/1, 7/1, ARM ( Adjustable Rate Mortgage), 30 Year Fixed) for Real Estate Investors , Who Prefer  to Finance the Purchase and / or  Rehab of Their Investment Property, (B.) Fast Funding: With  Conventional Loans , There are Qualifications  that Restrict You from getting Access to Those Funds. With a Soft Money Loan Program  there is More Underwriting  than a Hard Money , Allowing  it to have Lower Rates, Greater Security and Fast Funding.,, ( 4.)For your Real Estate Investment Needs: A Soft Money Loan is The Perfect Solution for Real Estate Investor , First Time Borrowers to Seasoned Real Estate Entrepreneurs.

SOFT MONEY OVERVIEW:

(1.) Investment Properties Only: Single-Family, Condominiums, Townhouses, Multi-Family, Commercial, Mixed-Use, Office, Retail,, Industrial and Warehouses, (2.) Rates Starting at 4.375% ( Rates are Subject to Change at Anytime), (3.) Loan Amounts-$100K-$5M  USD, (4.) Up to 85% Loan-to-Value ( LTV), (5.) Blanket Loan Options Available, ( 6.) Fixed Rates / Adjustable Mortgages, (7.)5/1, ARM ,  7/1 ARM, 30 Year Fixed, (9.) Interest Only Option Available, (10.) Foreign Nationals Eligible, (11.) No Prepayment Penalty Option Available.         

What is a  NO- DOC Multi-Family Loan ?

A NO-DOC Multi-Family Loan is a Type of Term Loan  Program  that Does Not Require a Verification  of Income  or Tax Returns from The Borrower . This type of  Term Loan ( Fixed Period Payments for Specific Time ) is Beneficial  for Multi-Family Borrowers Who Do Not have The Ability to Go to The Bank due  to Their Documented Income , Closing Timeline, sand Employment History.

 NO -DOC Term Loans are Defined as Non-Qualified  (NON-QM) Mortgages and are Long-Term  (5/1 ARM, 7/1 ARM, 30 Year Fixed RAeal Estate Investment Programs. 

 Unlike Conventional Investment Property Loans  that MAax Out at 70% LTV ( Loan-to-Value), a NO-DOC MAulti-Family Loan Program MAaxes Out at 85 % LTV ( Loan-to-Value)  and with No PMI  ( Private Mortgage Insurance). This allows The Borrower to put Less Money Down on Their Purchase.

Only Real Estate Investors  with High Credit Scores ( Over 650 in All Three Credit Reporting Bureaus) are Eligible  For a NO-DOC Multi-Family Mortgage Loan.

Why Should Real Estate Investors Use NO-DOC Loans  on Multi-Family Properties ?

The reason Why Multi-Family  Properties  are an Ideal Purchase for Real Estate Investors  is Due to the Ability  to Increase Cash Flow. Multi-Family Buildings  or Investment Homes have Multiple Units  that Can easily bev Rented  providing Passive Income to The Owner of the Property.

They are especially Great  for Long-term           

Investments because  Borrowers Do Not Need  to Show Any Income Verification  and Can Provide You with Long Term Passive Income. 

How to Apply  for a NO-DOC Multi-Family Loan ?

Conventional Lenders Do Not Offer This type of Loan,  Those that Do are a Great Option  for Real Estate Investors Who are Unable to Provide the Stricter Guidelines  of a Traditional  Loan.

The Relationship between The Borrower  and The Lender is Based on the Idea  that The  Borrower will be Able to to Afford  and be Able to Pay the Loan Payments. Since they are Riskier due to the Fact that there is No Verification of Income or Taax Returns , You tend to to get Higher Interest Rates than Other Loan Programs. 

However, because there is Less Documentation  and Underwriting , You Do get a Quicker Approval Process and Flexibility. InThis type of LAoan , the Loan Heavily relies on The Value of The Property.

NO-DOC Multi-Family Loan Overview

(1.) Investment Properties Only: Multi-Family, Commercial, Mixed -Use, , ( 2.) Interest Rates Starting at 4.375% ( Subject to Change at Anytime), $100K-$5M USD, ( 3. ) Up to 85%  Loan-to-Value ( LTV), ( 4. ) Blanket Loan Option Available, (5.) 5/1 ARM ( Adjustable Rate Mortgage), 7/1 ARM ( Adjustable Rate  Mortgage), 30 Year Fixed, (6.) Interest Only Option Available, (7.) Foreign National Eligible, ( 8.) No Prepayment Penalty Option Available .    

What are Bridge Loans ?    

A Bridge Loan is Defined as a Short-term (12-24) Months) Real Estate Loan that Closes Faster than Term Loans  or Conventional Loans. Real Estate Investors work with Lenders Who offer Brifge Loans, Because Not Only Do They Close Quickly , The Guidelines are More Lax, Therefore there is Less Underwriting and Documentation Needed.

Real Estate Bridge Loans  are Temporary Loans, Secured by The Asset ( Real Estate), the Typical Property Bridge Loan has a Term  of 12-24 Months , Although Many Bridge Loan Lenders  will Grant The Owner the Option to Extend His/ Her Loan for Six (6) Months  to One Year.  

Why Should You Get a Bridge Loan ?

There are More Benefits than You can Count  for with Bridge Loans . The Greatest Benefit  ids the Speedy Approval Process.  As a Real Estate Investor , With a Simplified Approval Process, it Becomes Quick , Which is Key to getting a Great RAeal Estate Property before Someone else Does. However, as a Result  of The Faster Process, They have  Higher Interest Rates.

If You are a Real Estate Investor that Does Not have a Stable Cash Flow or if You are Self-Employed , This is Perfect for You. The Private Lender Does Not look at Your Salary or Tax Returns  so You Don't have to Worry  id You Do Not have a Stable Income. Another Benefit is How the Loan is Utilized, it Doesn't Need  to be Solely for Purchasing a Specific Property but Can be used for a Variety of  Purposes. 

Bridge Lioan Summary:

(1.) Investment Properties Only: Single Family, Condominiums, Townhouses, Multi-Family, Commercial, Mixed-Use, Office, Retail, Industrial and Warehouses., (2.) Interest Rates Starting at 7.25% ( Subject to Change at Anytime), (3.)$100K-$5M USD, (4.) Up to 75% Loan-to-Value ( LTV), (5.) Blanket Loan Option Available, (6.)Fixed Rates/ Adjustable Rates, (7.) 9-24 Month Terms, (8.) Interest Only Payments Options, (.9.) Purchase, Refinance or Cash-Out, (10) Foreign Nationals Eligible , (11.) No Prepayment Penalty Option Available.    

.    What is a Hard Money Loan ?

Generally accepted, a Hard Money Loan is an Asset-based Loan, Which means that the Financing is Based on The Loan-to-Value  ( LTV) of The Asset.. Unlike the Fix and Flip Loan , it Doesn't Go through Full Underwriting  and There's No Minimum FICO for The Borrower, as it Doesn't have Many Guidelines and Criteria. 

This type of Loan Doesn't have as many Restrictions as One might Think considering that it is just Money, So No More having to Worry about Bankruptcies, Foreclosures, Collections, etc.

The Majority of Prospective Borrowers are Private Individuals  or Investors  looking for Better Financing Options on Their Investment Property that They Cannot Obtain with a Traditional Lender.  The only Options available for Real Estate Investors  are to Reach out to Conventional Institutions  ( Banks), Mortgage Companies, and Direct Private MAoney Lenders.

However, if You are a Real Estate Investor with Bad Credit, Many of The Traditional Funding Sources  Would Not be Valid Options. There are Multiple Loan Options out there for Personal Finance  or Real Estsate Financing, and Many of Them Heavily Base Whether or Not They will Give Someone a Loan  based on their Credit Score.  Thankfully, This isn't True  for Hard Money Loans. 

Most Banks and Mortgage Companies Do Not Offer  Mortgage Loan Programs  for Individuals. Fortunately, in the World of Private Money Lenders, a Hard Money Bridge Loan is a Perfect Option to Receive Funding and even Fix your Credit Score.

Due to the Lack of Guidelines and Underwriting , a True Hard Money Loan is Generally Capped at 75% Loan-to-Value ( LTV) or Less. For example, Let's say that You have a Home worth $1M, If You want $500K Against it  ( 50%  LTV), You are Able to Receive the Money within 1-2 Weeks  ( From the Day of Application), Commonly  as a First Lien Position-Because it's just Money . 

It is Normally  in the Form of a Bridge Loan, Which is Short-term Financing  in a Period of 12-24 Months.

Nationwide Hard Money Overview:

( 1.) Rates starting at 7.25% ( Subject to Change at Anytime), (2.) Loan Amount $100K-$5M USD, (3.) Loan-to-Value ( LTV)  Ratio : Up to 75%   LTV, (4.) Blanket Loan Option Available, (5.) Single Family, Condominiums, Townhomes, Multi-Family, Commercial, Mixed-Use, Office, Retail, Industrial and Warehouses., (6.) Purchase, Refinance  or Cash Out, (7.) Foreign Nationals Eligible, , (8.) No Prepayment Penalty Option Available. 

.  A Stated Income Loan or No Income Verification Loan is One of The Leading Private Money Loan Programs available to Real Estate Investors, Allowing The Borrower  to Secure Funding  without Needing  to Qualify on Their Debt-toIncome Ratio.

Unlike Conventional Mortgages, a Stated Income Loan  ids Easier to  be Approved  versus a Traditional Loan and is a Way for Self-Employed Borrowers Who Would Not Qualify  for Traditional Financing  to Achieve Their Investment Dreams. These types of  Loan Programs are for Investment Properties Only and Not for Primary Residences for an Owner-Occupied Property.   

Only Real Estate Investors with High Credit Scores ( Over 650 on All Three Credit Reporting Bureaus) are Eligible. Whether it's a Commercial Real Estate Loan , Soft Money Loan  or a Soft Money Rental Loan, This type of of Loan Product Benefits Borrowers Who Do Not Have the Ability to Go to the Bank due to TAheir Documented Income, Closing Timeline , and Employment History. 

Unlike Conventional Investment Property Loans that Max Out at 70%  Loan-to-Value (LTV), a NO-DOC Soft Money Loan Maxes Out at 85% Loan-to-Value ( LTV) with No PArivate Mortgage Insurance ( PMI). This allows The Borrower to Put Less Money Down on Their Purchase.

What is a No-Income Verification Loan ?

A No-Income Verification Loan is a Type  of Loan Program that Doesn't Require The Borrower to Provide Documentation of Income . Unlike Conventional Loans, These Loans  ( Also known as NO-DOC  & Stated Income Mortgages) Offers a Solution to Investors Who Couldn't Satisfy Full Documentation Loan Programs.

Borrowers may find it Difficult to Qualify  for Traditional Mortgages due to Their Unstable or Undocumented Income as well as The Tougher Documentation required from Lenders.

With Bank Statement Loans, You still have to Qualify  for Your Debt-toIncome Ratio ( DTI), Most Lenders Use Bank Statements  ( Typically up to Two (2) Years) to Confirm a Borrower's Income  rather than Tax Returns  and Recent Pay Stubs  like Traditional Mortgages.

Each Lender has Their Own Underwriting Requirements and Guidelines  to Determine Net Income , Therefore , if You Don't Qualify with One Lender, There are Others that Will.

Bank Statement Loans are Offered through NON-QM ( Non-Qualified Mortgage) Lenders. However, Our Lending Partners offer  a Mortgage Program that Supersedes  a Bank Statement Loan , Which is a True Stated Income / No -Income Verification ' NO DOC Mortgage. This Particular Loan Program  Benefits Investment Properties  and Commercial Prperties-Nationwide.

READY TO FINANCE YOUR INVESTMENT PROPERTIES?

OAurv Lending Partners Loan Officers  Will Talk You through The Process of Applying For a Stated Income Loan and Will Quickly Process  the Loan Application , Allowing You as The Self-Employed Borrower  to Run Your Business and Get the Funding for the Loan Amount You Need  to Buy your Dream Real Estate Investment Property.

Stated Income Qualifications:

A Stated Income Loan from Private Money Lenders is Catergorized as a Non-Qualified Mortgage aka a NON-QM Loan.

To Begin The Qualification Process  for a Stated Income Mortgage Loan, The Borrower will Need to  Show Proof of at least Two (2) Year Worth of Self-Employment. There is No Need for W-2 Forms, Savings Accounts, Liabilities, or Other Proof  of Cash Flow oe Employment Documentation. 

When applying for The Stated Income  / NO-Income  Verification Loan, Will simply Show their Trusted Private Money Lender  their Bank Statements for the Past Two (2) Months , Business License , and Proof that You are still in Business.

Basing Loan Approvals on Proof of Self Employment  or Bank Statements , Rather than W-2's  and Liabilities Makes The Process Quick and Hassle-Free.

The Benefits of Applying for a Stated Income Mortgage Loan: 

(1.) Low Amounts of Paperwork, ( Payment Sourcing  is Faster and Easier, (3.) Debt-to-Income Ratio Does NAot Factor into Underwriting Guidelines.

A Non-Qualifying Mortgage Loan is Available  for Both Self-Employed Individuals  and Those with Proof of Income in the Form of a W-2. Self-Employed Borrowers Can Find it Difficult to Qualify for a Traditional Mortgage Loan  in Their Investment Property as Many Mortgage Lenders Do Not Want to Risk Lending  to a Borrower Without a Regular Paycheck.

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Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.

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