Mortgage Programs

Different loans for different borrowers.

Every borrower has a unique vision – and a unique set of circumstances. Our wide range of alternative, asset‑based mortgage programs allow investors to navigate the needs of tough-to-qualify real estate opportunity, whether a W-2 employee, self-employed entrepreneur or small business owner.

Here’s a summary of the residential investment and commercial mortgage programs we offer.

FlexPerm_program

SimpleFlex Loan

Uncomplicated and flexible with longer terms.

With flexible underwriting and longer terms, our SimpleFlex Loan is designed for investors seeking a simple financing solution for purchase or refinance, along with the flexibility to remain in the loan for up to 30 years.

Key Features

  • Great for qualifying W-2 and self-employed investors.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Available as a 3-year-fixed or 8-year-fixed loan, each amortized over 30 years.

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
FixandFlip_Program

Simple ARV Loan

A short-term “fix-and-flip” solution.

Our Simple ARV Loan is the best short-term solution for acquiring and improving property value. It’s designed for “fix-and-flip” investors seeking a short-term, interest-only solution that’s based on the property’s “as repaired value” (ARV).

Key Features

  • Allows borrowers to finance improvements.
  • Great for borrowers who need a quick close.
  • An interest-only 1-year term provides lower monthly payments.
  • A higher LTV than hard money lenders.

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)
CreditQuick_Program2

SimpleCredit Loan

A higher LTV alternative to hard money.

With its higher LTV ratio, our SimpleCredit Loan is designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing.

Key Features

  • A higher LTV than hard money options.
  • Great for borrowers who need a quick close.
  • An interest-only 1-year term provides lower monthly payments.
  • Perfect for acquiring or leveraging real estate with deferred maintenance.

Property Types

  • Investor 1-4 ( SFR, Condo, and 2-4 Units)
CreditQuick_Program

SimpleFast Loan

A low LTV loan with easy credit requirements.

Our SimpleFast Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

Key Features

  • Great for borrowers with a recent bankruptcy or notice of default.
  • No seasoning of ownership required.
  • Improved pricing compared to our FlexPerm program.
  • Derogatory mortgage history is okay.

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)