Phone Number:
+1-305-401-4877
Email:
lou@premiumtrustus.com
Opening time:
Mon-Sat: 08.00 -18.00

REAL ESTATE INVESTOR FINANCING up to $30,000,000

Get Competitive rates and terms based on your situation.

Private Lender

Up to 90% Financing

Asset Based Financing

Credit Scores as low as 600

No FICO Programs available 60% LTC

TransactionalFinancing

Flexible repayment terms.

Receive $50,000 to $30,000,000 in as little as 5 days.

Acquisition

DSCR Loans

Fix & Flip

Ground up Construction

Rehab

Bridge Loans

Long-Term Landlord Loans

Easier than bank qualifying.

Minimal paperwork.

Please Call Me! I Have Questions

 Bridge Loans

Fix & Flip


  • residential (1 - 4 Units)
  • $50,000 - $5,000,000
  • 90% of purchase and
  • 100% of rehab costs
  • 70% Max ARV
  • 12 months, up to 18 at lender DISCRETION
Ground UP


  • Residential (1 - 4 units)
  • $50,000 - $5,000,000
  • Up to 75% of the lower
  • land value or purchase
  • price/60% if unpermitted plus 100% of construction
  • Max 80% of total project costs. Max ARV 70%
  • 12 Months, up to 18 months at lender discretion
  • Full Recourse
Small Balance 

Multi-Family

  • Residential (5+ Units)
  • $500,000 - $5,000,000
  • INTEREST only|Fixed/Adjustable rate mortgage options
  • purchase loans: 75% of purchases/As-is value + 100% of rehaB COSTS
  • rEFINANCE LOANS: 65% OD aS-IS VALUE +100% OF REHAB COSTS
  • cASHOUT rEFINANCE: sUBJECT TO % ABOVE + 100% OF REHAB: NOT TO EXCEED 75% OF pp AND 100% OF RENOVATION.
  • pURCHASE/RATE -TERM REFINANCE 70%
  • CASHOUT REFINACE 65%
  • uP TO 24 MONTHS + TWO 6-MONTH EXTENSIONS
  • lOAN < 2mm: fULL rECOURSE
  • lOANS > 2MM FULL RECOURSE OR
  • LIMITED RECOURSE WITH BAD-BOY CARVEOUTS
  • COKMPLETION GUARANTY/RESERVE REPLENISHMENT GUARANTY WHEN APPLICABLE
  • MID SCORE OF 680
NO DSCR

To provide bridge financing on a property that was recently renovated and is currently soon to be listed for sale

  • min: $75,000
  • Max: $1,000,000 / larger loan allowed at lender discretion
  • 12 months, up to 18 at lender discretion
  • single family/2-4 unit/ townhomes/pud/warrantable condos
  • 85% of purchase price+verified completed capex if property owned <6 months
  • 700 FICO
  • 70% if property owned> 6months
  • 660 - 699 FICO
  • 65% if property owned >6 MONTHS
  • Property condition c2 or better
  • min fico: 660
  • collater restrictions: property value within 90th percentaile of market. o rural, exotic, or unique properties.

DSCR EXIT

To provide bridge financing on a property that is currently rented and to be rented out

    Min: $75,000


    max: $1,000,000 for SFR, $2,000,000 for 2-4 unit/ larger loan allowed at lender discretion

    12 months, up to 18 at lender discretion

    single family/2-4 unit/townhomes/pud/ warrantable condos

    85% of purchase price+ verified completed capex if property owned <6 months

    70% Ltv


    1.10 exit dscr based on lower of in place rent and market rent


    c4 or better with no deferred maintenance

    min fico: 660


    no rural, exotic, or unique properties

Rental Term Loans

SINGLE FAMILY RENTALS

SINGLE FAMILY/2-4 UNITS/TOWNHOMES/PUD WARRANTABLE CONDOS


  • LOAN TYPES: 30 -YEAR FIXED RATE MORTGAGE (FULLY AMORTIZING)
  • 5/6,7/6,10/6 HYBRID ARMS (PARTIAL IO OF FULLY AMORITIZING
  • MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO MINIMUM FICO: pURCHASE/RATE-TERM REFINANCE: 80%
  • cASH OUT rEFINANCE: 75%
  • mINIMUM DEBT SERVICE COVERATE RATIO (GROSS RENT/PITIA): 1.10X
  • TERM LENGTH: 30 YEARS
  • RECOURSE: FULL RECOURSE ONLY
  • MINIMUM GUARANTOR FICO: MID SCORE OF 660
  • lEASE REQUIREMENTS: LEASED UNITS: LOWER OF (I) iN-PLACE RENT & (II)MARKET RENT
  • UNLEASED UNITS: 90% OF MARKET RENT (PURCHASE LOANS ONLY)
rental portfolio

SINGLE FAMILY/2-4 UNITS/TOWNHOMES/PUD WARRANTABLE CONDOS

  • loan amount: $75,000 - $2,500,000
  • loan types: 30-yeAR FIXED RATE MORTGAGE(FULLY AMORTIZING) 5/6, 7/6, 10/16 HYBRID ARMS (PARTIAL IO OR FULLY AMORITIZING)
  • MAXIMUM LOAN TO COST : IF OWNERD < 3 MONTHS, 80% OF TOTAL COAST BASIS
  • MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO MINIMUM FICO) PURCHASE/RATE-TERM REFINANCE: 80% cASHOUT REFINANCE: 75%
  • MINIMUM DEBT SERVICE COVERAGE RATIO (GROSS RENT/PITIA) 1.10X
  • TERM LENGTH: 30 YEARS
  • RECOURSE: FULL RECPOURSE ONLY
  • MINIMUM GUARANTOR FICO: MID-SCORE 660
  • LEASE REQUIREMENTS: LEASED UNITS: LOWER OF (I) iN-PLACE RENT 9II) MARKET RENT
  • UNLEASED UNITS: 90% OF MARKET RENT (PURCHASE LOANS ONLY)
mULTIFAMILY TERM

PROPERTY TYPES: 5 - 8 UNIT RESIDENTIAL PROPERTIES

  • lOAN aMOUNT: $250,000 - $3,000,000
  • LOAN TYPES: 30 -YEAR FIXED RATE MORTGAGE, OR 5/6, 7/6,10/6,HYBRID ARMS (P[ARIAL IO OR FULLY AMORTITIZING)
  • MAXIMUM LOAN TO COST: IF OWNED <3 MONTHS, 70% OF TOTAL COST BASIS IF OWNED BETWEEN 3 -6 MONTHS, ADDITIONAL 5% HAIRCUT ON MAX ELIGIBLE LTV
  • MAXIMUM LOAN AS -IS VALUE (SUBJECT TO MINIMUM FICO): pURCHASE RATE/RATE-TERM REFINANCE : 70%, cASHOUT rEFINANCE: 70%
  • mINIMUM DEBT SERVICE COVERAGE RATIO (NET CASH FLOW/DEBT SERVICE) 1.20 - 1.40X Based on subject market classifaction (top, standard, small, very small)
  • Term Length: 30 Years
  • recourse: full recourse3 or non recourse with bad boy carveouts and pledge of equirty.
  • minimum guarantoor fico: mid scxore of 680
  • Lease requitements: minimum occupency rate of 90% by unit cout
  • Leased Units: Lower of (i) In-Place Rent & (ii) market rent
  • Unleased uitsw; 90
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