Capital Advisory

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Capital Advisory

This is a service that is offered to Mortgage Professionals for loans that are for investment purpose only.  Our job is to assist Capital  Providers by screening and  pre-underwriting loans to their guidelines.  

Streamline Process

This helps the originator to understand what is needed.  We help by processing and preparation of loan packages, so you can hit the ground funding.

 

Variety of Capital Providers

Capital providers range from Lenders with Wallstreet Capital, Pension backed Insurance funds, and Individual Investors.  These investors typically have no or low points and fees.  

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Broker Qualifications

 Experienced

Two plus years of mortgage origination experience.

 Licensed where applicable.

You must be appropriately licensed.

 

Private and Hard Money Guidelines

Fix and Flip | Bridge | New Construction

Property Types:

Vesting:

Loan Term:

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Frequently Asked Questions

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These loans are funded by the capital provider. 

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This is mostly a function of how complete the loan package is.   If you have a complete loan package loans can close within 10 business days. 

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No, that is your job.  We will communicate with you, and you keep the contact with your borrower. 

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No.  You provide the documents needed to submit to underwriting and we maintain the communication with the Capital Provider. 

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No.  You can charge points but you can not increase the interest rate to receive a yield. 

 

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One can typically qualify for the 85% Loan-to-Cost if the appraised As-Is-Value is higher than the purchase price.

For example: If you had an $850,000 As-is-Value, and an $800,000 purchase price, we would typically use the higher of the two.  

Of course there are additional guidelines that apply, and these are for investment properties only. 

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For loans with Fund Fund Control or also known as a Contruction Hold-Back.  The Guarantor / Borrower is set up with a  Fund Control company.   Here are the steps that take place.  
1.  Borrower provides their line item budget

2.  Appraisal is done and provides the As-is-Value and the After-Repair Value.   

3.  The appraisal and the budget is provided to the fund control company.

4.  The fund control company takes a look at the budget and what the typical charecteristics of a property would look like with that particular After-Repair-Value.  It’s up to the fund control company to review and agree that the budget and plan is appropriate.  

5.  Once the loan closes, and the borrower has spent a certain amount of their own cash on repairs, then they ask the fund control company to inspect the property and review what they have done, and to reimburse them for their expenses from the funds that where held. 

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Your financial journey starts today

Let us help you get there.

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Submit your deal to get started

 

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