A MORTGAGE IS A BIG DEAL
Welcome to ResidentialLending.net, where we understand that obtaining a mortgage is a significant financial commitment. Our mission is to support you at every stage of the process, helping you discover the ideal loan program tailored to your needs and ensuring you get funded. Whether you’re interested in purchasing or refinancing residential investment, or commercial property, our dedicated team is committed to delivering a seamless and personalized mortgage experience. Consider us your all-in-one mortgage solution center.
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Ready to embark on your journey? Connect with our team today for expert guidance and assistance. Whether you’re a real estate investor, builder, developer, realtor, or business owner, we are here to address your inquiries and support you on your path to success. Your mortgage solutions begin with us at ResidentialLender.net
Property Types
- Residential Investment: SFH, Condo, & 2-4 Units
- Multi-Family: 5-8 Units, 9-20 Units, or Larger)
- Mixed-Use: Residential and Commercial
- Commercial: Office, Retail, Warehouse etc.
- Fix and Flip or New Construction Project
Why Choose Us?
Explore our diverse range of mortgage loan options and leverage our extensive investor platform for structuring and securing funding.Ā
With 30 Years of Valuable Industry Experience
Network of Over 150 Investors and Partners
80% Success Ratio Upon Signed LOI/ Term Sheet
In-House Underwriting Ability & Excellence
Which Loan Program is Right for You?
Term Loan
Bridge Loan
Construction Loan
| Single Family/2-4 Family | Commercial | Multi-family | Mixed Use | |
|---|---|---|---|---|
| Base Rate | 10%-12% | 11%-13% | 11%-13% | 11%-13% |
| Min Loan Amount | $100,000 | $250,000 | $250,000 | $250,000 |
| Max Loan Amount | $10,000,000 | $75,000,000 | $75,000,000 | $75,000,000 |
| Max Refinance LTV | 75% | 65% | 75% | 75% |
| Max Purchase LTV | 80% | 65% | 90% | 75% |
| Max LTC | 90% | 75% | 80% | 80% |
| Maximum ARV | 70% | 65% | 70% | 70% |
| Minimum FICO | 580 | 580 | 620 | 620 |
| Single Family/2-4 Family | Multi-family | Mixed Use | Commercial | |
|---|---|---|---|---|
| Base Rate | 7%-9% | 8%-10% | 8%-10% | 7%-9% |
| Min Loan Amount | $100,000 | $250,000 | $250,000 | $500,000 |
| Max Loan Amount | $10,000,000 | $75,000,000 | $75,000,000 | $75,000,000 |
| Max Purchase LTV | 80% | 75% | 75% | 75% |
| Refinance / Cashout | 75% | 75% | 70% | 75% |
| Max LTC | 80% | 75% | 75% | 80% |
| Minimum FICO | 660 | 680 | 680 | 660 |
| Project Development | Fix Nā Flip | Ground Up | Equity Renovation | |
|---|---|---|---|---|
| Base Rate | 10%-12% | 9%-12% | 10%-12% | 10%-12% |
| Min Loan Amount | $250,000 | $100,000 | $500,000 | $500,000 |
| Max Loan Amount | $50,000,000 | $10,000,000 | $100,000,000 | $75,000,000 |
| Max Refinance LTV | 60% | 75% | 75% | 65% |
| Max Purchase LTV | 65% | 90% | 75% | 70% |
| Max LTC | 70% | 90% | 85% | 70% |
| Maximum ARV | 70% | 70% | 70% | 70% |
| Minimum FICO | 620 | 620 | 660 | 620 |
The terms and LTC/LTV ratios are subject to variation based on factors such as property type and condition, location, credit score, loan type, and the financial strength of the borrower.
Residential Loan Types
DSCR Rental Loans
Debt Service Coverage Ratio (DSCR) Rental Loans stand out as one of our niche products, allowing you to qualify for a mortgage loan without tax returns. Qualification is based on current or estimated rental income. Additionally, we provide flexibility by considering alternatives such as bank statements, non-QM, or no-doc loan program.
Fix Nā Flip Loans
For all types of residential investment properties, we extend Fix and Flip Loans that cover both the purchase and rehabilitation phases. With three decades of experience, our expert team is equipped to guide you through the process, even in the presence of loan complications, ensuring a smooth qualification process.
Bridge/Blanket Loans
Explore short-term bridge loans or blanket loans covering multiple residential investment properties with us. Leveraging our in-house underwriting capabilities and extensive partnerships with hundreds of investors, we tailor solutions to fit your specific loan scenarios, providing you with the right options.
Rental Portfolio Loans
Collaborate with our trusted experts to create a rental portfolio loan as unique as your 5-8 units, 9-20 units, or larger apartment building. Our dedicated team will carefully review your requirements and source the best possible loans, allowing you to concentrate on scaling your portfolio with confidence.
Commercial Loan Types
Small Balance Loans
Project Development Loans
Fannie Mae Loans
USDA B&I Loans
SBA 7a or 504 Loans
Large Scale Loans
DSCR or Lite Doc Loans
Hard Money Loans
Construction Loans
Freddie Mac Loans
Bridge Loans
Foreign National or No Doc
What Can We Do For Your Business?
A residential investment loan serves as a specialized financial tool aimed at aiding individuals in acquiring residential properties for investment objectives. Tailored for real estate investors seeking rental income or leveraging property value appreciation, these loans necessitate a nuanced understanding of the right loan products and a seasoned team. Whether your investment strategy involves short-term bridge financing, fix-and-flip projects, ground-up construction, or long-term loans with or without tax returns, we take pride in being your financial partner. Reach out to us today to initiate a discussion with our team of experts.
Happy Client Feedback About Our Service
ResidentialLender.net has been assisting clients with residential investment and commercial mortgage loans across 48 States since 2013. Our platform enables qualification for even the most complex loans that traditional banks or lenders may decline. ResidentialLender.net is a subsidiary of Commercial Lending USA.
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