Hard Money
Private Hard Money Loans are often utilized when: time is essential, the project or commercial property does not meet the criteria of conventional lenders, credit issues, bankruptcy, judgments, foreclosure, back property taxes, deferred maintenance, IRS, etc.
Private Money & Hard Money lenders take higher risks and loan money quicker than the Conventional Lenders which means rates are higher.
We specialize in hard to place short-term real estate-secured loans including commercial, construction, bridge, land acquisition, development, raw land, and other real estate-related loans.
Hard Money Rates
Ratesfrom 7.99% – 12%, 1 – 5 year notes and interest only or up to 25 Year AM. Terms are relative to the risk of the project.
Hard Money Terms
Private Money – LTV ‘Loan to Value’
- COMMERCIAL LOANS: LTV’S USUALLY RANGE FROM UP TO 50%-65%
- MULTI-FAMILY LOANS: LTV’S USUALLY RANGE FROM UP TO 50%-65%
- RAW LAND LOANS: LTV’S USUALLY UP TO 50% OF “AS IS” VALUE IN TX
- NO MINIMUM FICO SCORE REQUIREMENTS
- FORECLOSURES, BK’S & DISCOUNTED NOTES
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Soft Money
Soft money loans depend on the borrower’s creditworthiness more than hard money loans do.
Soft money is usually longer terms, minimum documents, and lower interest rates than Hard money
Benefits of Soft Money Loans
- QUICK & EASY PROCEDURE: THE BORROWER GETS NOTIFIED QUICKLY IF THEY QUALIFY
- LOW-INTEREST RATES: SOFT MONEY LOANS CAN BE EASILY AVAILABLE
- SOFT MONEY IS USUALLY LONGER TERMS
Soft Money Terms
- $250K – $2.5MM
- ACQUISITION & REFINANCE
- 5 – 30 YEAR TERMS
- COMMERCIAL REAL ESTATE
- UP TO 50% – 65% LTV (SOME CASES 70% IN TX) (UP TO 80% – 85% CLTV ‘COMBINED LOAN TO VALUE; SELLER MAY HOLD 2ND LIEN)
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Private Money
Private Money Loans are often utilized when: time is essential, the project or property does not meet the criteria of conventional lenders, credit issues, bankruptcy, judgments, foreclosure, back property taxes, deferred maintenance, IRS, etc.
Private Money & Hard Money lenders take higher risks and loan money quicker than the Conventional Lenders which means rates are higher.
We specialize in hard to place short-term real estate-secured loans including commercial, construction, bridge, land acquisition, development, raw land, and other real estate-related loans.
Benefits of Private Money
TD Funding Solutions can still get you funded even with the following:
- NO MINIMUM FICO SCORE REQUIREMENTS
- FORECLOSURES
- BANKRUPTCY
- DISCOUNTED NOTES
- CREDIT ISSUES
- IRS
- DEFERRED MAINTENANCE
- BACK PROPERTY TAXES
- JUDGMENTS
Private Money Terms
- $250K – $5MM
- ACQUISITION & REFINANCE
- BK’S, FORECLOSURE AVOIDANCE, WORKOUTS, ETC.
- 1 – 5 YEAR TERMS
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Land Loans
Land loans are considered very risky and hard to find. Most land loans are used to build on it.
Most lenders will require more money down (up to 50 percent) and charge a much higher interest rate. Loan for Lot-Land. Lot loans are available from local lenders and some national lenders.
Land Loan Terms
- $300K – $100MM (WILL CONSIDER MORE FOR SOLID DEALS)
- TEXAS & NATIONWIDE (PROGRAM VARIES BY STATE)
- PRIVATE MONEY AVAILABLE
- UP TO 55% LTV ON LAND OUTSIDE OF TX
- UP TO 60% LTV ON LAND IN TEXAS
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Multi-Family
A multifamily loan is typically purchasing a property that houses more than one family. In most cases, these types of loans are given to developers or investors to purchase apartment buildings or condominium complexes.
Benefits of Multi-Family
- LESS RISK
- LITTLE COMPETITION
- MORE OPPORTUNITIES
- HIGHER LOAN LIMITS
- EASIER PROPERTY MANAGEMENT
- BETTER HELP PAYING BACK YOUR LOAN
Multi-Family Terms
- MULTI FAMILY
- TARGET PROPERTY TYPE: MULTIFAMILY 5+ UNITS & MIXED USE
- LOAN SIZE: $500 – $100MM
- LTV’S: UP TO 75% – 85% LOAN TO VALUE / PURCHASE PRICE
- LOAN TERMS: 20 – 30 YEAR TERMS & COMPETITIVE RATES
- TARGET TRANSACTIONS: STABILIZED PROPERTIES, POTENTIAL FOR NON-RECOURSE, STRONG AND EXPERIENCED SPONSORS.
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Commercial Property Types Funded
- APARTMENT BUILDINGS
- RV/MH PARKS
- WAREHOUSES
- LIGHT INDUSTRIAL
- MIXED-USE
- BARS & RESTAURANTS
- AUTO REPAIR SHOPS
- DAY CARE FACILITIES
- SALONS
- FUNERAL HOMES
- HOTELS
- HOSPITALITY
Small Balance Commercial
Properties are typically multi-tenanted and located in strong major markets, good quality mobile home parks, industrial, office, warehouse, self-storage, multifamily, student housing, mix-use, industrial and retail assets.
Creative underwriting to get deals done that Tier 1 Banks & Agency lenders typically pass on due to loan modifications, foreclosures, short sales, BKs, low fico scores, tax liens.
Benefits of Small Balance Commercial Loan
- BANKS DON’T DO CASH OUTS OR THEY HAVE STRICT LIMITS
- WE WILL CASH OUT 100% AND 80% LTV
- YOU CAN USE THE MONEY FOR OPERATING EXPENSES OR BUYING A BUSINESS
- TERMS AND USUALLY UP TO 30 YEARS AND THE LOAN IS TAX-FREE
Small Balance Terms
- PROPERTIES LOCATED IN A METROPOLITAN AREA WITH GROWING POPULATION OF AT LEAST 250K.
- LOAN AMOUNTS FROM $300K TO $100MM
- 3, 5, 7, AND 10 YEAR FIXED RATE PERIODS, 10 – 30 YEAR TERM, 25 – 30 YEAR AMORTIZATION
- CASH OUT AVAILABLE FOR REFINANCING LOANS
- FLEXIBLE CREDIT PARAMETERS
- REPOSITIONED, REHABILITATED, AND STABILIZED MULTIFAMILY DWELLINGS
- LOAN-TO-VALUE ‘LTV’ RATIO UP TO 65% (COMBINED LTV ‘CLTV’ UP TO 80%)
- NON-RESIDENT ALIEN PROGRAM UP TO 50% LTV
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Commercial Refinance
We can provide loan amounts for purchases, refinancing, debt consolidation, property improvements, and working capital.
The commercial cash-out refi is a very common strategy of putting your property into a position to refinance the current loan and pull out your original down payment as cash.
Benefits of Commercial Refinance
- LONG-TERM INTEREST RATES
- IMPROVE CASH FLOW
- GET OUT OF A BRIDGE OR HARD MONEY LOAN
- CONSOLIDATING DEBT
Commercial Refinance Terms
- LOAN SIZES $ 500,000 AND UP
- TERMS 6 TO 60 MONTHS
- LOAN PURPOSE: REFINANCE
- RATES – 7% TO 10%
- LOAN PURPOSE: CASH OUT
- LOAN TO VALUES TO 80%
- CREDIT: MOST CREDIT CONSIDERE
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Bridge Loan
A bridge loan is short-term or interim financing for your business until permanent or another stage of financing can be obtained.
Bridge loans are usually taken out for short terms, from 1 year to three years, depending on the securing of a more traditional commercial loan, which is usually used to pay back the bridge loan. Due to the increased risk, bridge loans usually have higher interest rates. The bridge loan lender may also require cross commercialization, and a lower loan-to-value ratio, but they are typically arranged with relatively little documentation.
Benefits of Bridge Loan
- USED FOR PURCHASES
- ASSIST WITH REFINANCING
- CONSOLIDATE YOUR DEBT
- MAKE PROPERTY IMPROVEMENTS
- PROVIDE YOU WITH WORKING CAPITAL.
These loans are generally for.
- LOAN SIZES $ 500,000 TO $20,000,000
- LOAN PURPOSE: PURCHASE
- TERMS 6 TO 60 MONTHS
- LOAN PURPOSE: REFINANCE
- RATES – 7% TO 10%
- LOAN PURPOSE: CASH OUT
- LOAN TO VALUES TO 80%
- CREDIT: MOST CREDIT CONSIDER