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A Loan Solution for Every RE Investment Strategy
The Premier Lending Service for Real Estate Investors
Fix and Flip
- PROPERTY TYPES
Homes with 1-4 Units - LOAN AMOUNT
$50,000 – $30,000,000 + - MAXIMUM LOAN TO COST
Up to 90% of purchase price
Up to 100% of rehab costs - MAXIMUM LOAN TO ARV
Up to 70% - NO MINIMUM CREDIT SCORE
( IF SCORE UNDER 620 LOE WILL BE NEEDED )
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Ground Up
- PROPERTY TYPES
Homes with 1-4 Units - LOAN AMOUNT
$50,000 – $250,000,000 + - MAXIMUM LOAN TO COST
Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction - Max 80% of total project costs
LTC - MAXIMUM LOAN TO ARV
70% - NO MINIMUM CREDIT SCORE
( IF SCORE UNDER 620 LOE WILL BE NEEDED )
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Multifamily Bridge
- PROPERTY TYPES
Residential Buildings with 5+ Units - LOAN AMOUNT
$500,000 – $250,000,000 + - LOAN TYPES
Interest Only | Fixed/Adjustable Rate Mortgage Options - MAXIMUM LOAN TO COST
75% of Purchase/As-is Value + 100% of Rehab Costs - Refinance Loans: 65% of As-is Value + 100% of Rehab Costs
- MINIMUM GUARANTOR FICO
Mid-Score of 680
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Single Property Rental Terms (DSCR)
- PROPERTY TYPES
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos - LOAN AMOUNT
$75,000 – $30,000,000 + - LOAN TYPES
30-Year Fixed Rate Mortgage (Fully Amortizing)
5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
- MAXIMUM LOAN TO COST
- < 3 months: 80% of Total Cost Basis.
- 3 and 6 months: additional 5% Reduction on Max Eligible LTV
- Purchase/Rate-Term Refinance: 80%
- Cash-out Refinance: 75%
- MINIMUM DEBT SERVICE COVERAGE RATIO
1.10x (Gross Rent/PITIA) - MINIMUM GUARANTOR FICO
Mid-Score of 660
APPLY NOW
Multifamily (DSCR)
- PROPERTY TYPES
5-10 Unit Residential Properties - LOAN AMOUNT
$250,000 – $250,000,000 + - LOAN TYPES
30-Year Fixed Rate Mortgage, OR 5/6, 7/6, 10/6 hybrid ARMs (Partial IO or Fully Amortizing)
- MAXIMUM LOAN TO COST
- <3 months, 70% of Total Cost Basis
- 3 and 6 months, additional 5% Reduction on Max Eligible LTV
- Purchase/Rate-Term Refinance: 70%
- Cash-out Refinance: 70%
- MINIMUM DEBT SERVICE COVERAGE RATIO 1.20x – 1.40x
- MINIMUM GUARANTOR FICO
Mid-Score of 680
APPLY NOW
Rental Portfolios (DSCR )
- PROPERTY TYPES
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
5-8 Unit Properties allowed up to 15% of Loan Amount - LOAN AMOUNT
$250,000 – $250,000,000 + - LOAN TYPES
30-Year term, Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
- MAXIMUM LOAN TO COST
- < 3 months: 80% of Total Cost Basis
- 3 and 6 months: additional 5% haircut on Max Eligible LTV
- MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO MINIMUM FICO)
- Purchase/Rate-Term Refinance: 80%
- Cash-out Refinance: 75%
- MINIMUM DEBT SERVICE COVERAGE RATIO
For portfolios with <=$2MM AND <=10 properties: 1.10x – For all other portfolios: 1.20x - MINIMUM GUARANTOR FICO
For portfolios with <=$2MM AND <=10 properties: Mid-Score of 660 – For all other portfolios: Mid-Score of 680
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STABILIZED BRIDGE LOANS
PURCHASE
- Quick close bridge loan to purchase rental properties that do not need renovations
- Max LTC
Subject to LTV Limits
85% - Max LTV
Subject to LTC Limits
70%
APPLY NOW
NON SEASONED REFINANCE
- Rent-ready properties that have been owned for less than 12 months and do not have deferred maintenance
- MAX LTC
Subject to LTV Limits
85% +100% of completed renovations - Max LTV
Subject to LTC Limits
70% - Cash Out Allowed
- No DSCR Option Available
APPLY NOW
SEASONED REFINANCE
- Properties that have been owned for more than 12 months, do not have deferred maintenance, and are looking for cash out (value based underwrite)
- Max LTV
Rate/Term Refinance
70% - Cash Out Allowed
- No DSCR Option Available
APPLY NOW
FOR 100% ASSET BASED LOANS IN SELECT STATES
We don’t check credit, We don’t ask for personal tax returns, We don’t ask for appraisals, No prepayment penalties, We can fund start to finish in 24 hours, 3-24 month terms in these limited states, TEXAS, COLORADO, ARIZONA, TENNESSEE, GEORGIA, NORTH CAROLINA, SOUTH CAROLINA, OHIO, FLORIDA. INDIANA, ARKANSAS, MISSOURI and VIRGINIA
Hassle-Free Small Business Loan Financing
Access $100K to $10MM+ in small business loan financing through our direct lending solutions
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As Heard On
The ASBCLF service mark represents a creative, strategic, and diverse small business loan and real estate finance company that originates, acquires, finances and services business, residential and CRE loans. We specialize in debt business, residential, commercial real estate, including ground up developments, undeveloped land, multi-family, investor and bridge financing. “ASBCLF” , and “ASBCLF.COM” are service marks and intellectual property (IP) solely owned by ASB Capital Loan Funding.
This website is for information and discussion only and does not constitute an offer or commitment to extend credit. Any information including facts, opinions or quotations, may be condensed or summarized and are expressed as of the date of writing. The information may change, and ASB Capital Loan Funding and its affiliates/subsidiaries are under no obligation to ensure that such updates are brought to your attention.
ASBCLF is not affiliated with or endorsed by any government agency, department, or bureau. All the opinions, conclusions, or recommendations expressed are those of ASBCLF and do not reflect the views of any government agency, department, or bureau. This is a website advertisement. This is not an offer to lend. Financing subject to the credit evaluation and subject to property collateral approval. No solicitation is made hereby of borrowers in any jurisdiction where prohibited by law. ASBCLF originates loans under 12 CFR 1024.5 (b)(2) Business purpose loans that are exempt from coverage under RESPA as defined by 12 CFR 1026.3 (a)(1) of Regulation Z. Other restrictions may apply. Terms and conditions subject to change.
*Loan rates will vary depending on factors & market rates. Loan offers to you may vary from the sample offers shown above. Discuss the options and offers available to you upon submission of your application. Alternative financing available if you do not qualify. Final Rate dependent on loan term, credit and financial profile. All loan offers & qualifications require credit approval and are subject to change with or without notice. If your business is organized as a general partnership, your credit score may be impacted. Approval & funding times may vary by lending partner & financing product selected.