• A long-term loan intended for new and experienced real estate investors seeking long-term rental financing for SFR, Townhouse, PDU or condo nationwide

• Loan amount: $100K to $5M

• Credit score: 650 min

• 30-Year term

• Up to 80% LTV for purchase

• Up to 75% LTV for cash out

• No personal income checks

• Foreign Nationals OK

• Purchase under LLC or personal name (based on state)

• The rate starts at 7.25%

• Document needed: Application, Corporate Entity Documents, Two months' Bank Statement, Real estate experience track record

• A short-term loan intended for new and experienced real estate investors seeking funding for fix & flip properties nationwide.

• Loan amount: $100K to $10M

• 12 to 18 months

• Min credit score 650

• Up to 85% of purchase price + 100% of renovation cost; not to exceed 75% of the After Repair Value

• 1-4 units non owner occupied; condo; townhouse; multifamily; mixed used

• Document needed: Application; Two month bank statement; corporate entity documents; rehab budget; previous real estate experience; ID

• ​Foreign Nationals OK, need valid passport, proof of income in their native country or in the US, and 30% to 40% down payment

• experienced investors and rehabbers can get up to 100% of purchase price and 100% of renovation money. Plus, the points and lender fees are rolled into the loan (meaning less money to close)! Real estate investors can do more deals with less money.

• Furthermore, there are NO Monthly Payments! The interest accrues until the loan is is paid off.

• Minimum 680 credit score

• At least 4 projects in the past 5 years

• Loan must be under $750,000

• Borrowers can partner up (i.e experienced borrower with low credit score can get an experienced partner -or- inexperienced borrower with high credit score can partner with seasoned investor)

• An active GC license counts as 2 projects towards experience

• Soft credit pull. Does not count as hard inquiry.

• Limited documents required. To get the process started, we will need:

• Purchase contract

• List of previous projects

• Itemized rehab budget

• Contact info for title company

• This loan is intended for new and experienced real estate investors seeking funding for 5+ unit apartments nationwide.

• Loan amount $300K to $50M

• 12 months to 30 years

• Min property value: $35K per door

• Min credit score 650

• Up to 70% LTV for purchase

• Up to 65% LTV for  Cash-out Refinance

• Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement

• This loan is intended for new and experienced real estate investors seeking funding for Mixed-use properties. Mixed Use properties refer to properties intentionally used for a variety of purposes, including commercial, residential, retail, office, or parking space. For instance, if you had an apartment complex, retail stores, and businesses located within the same area, this would be a mixed-use property.

• Loan amount $300K to $50M

• 12 months to 30 years

• Min property value: $35K per door

• Square footage for commercial and residential spaces

• Min credit score 650

• Up to 70% LTV for purchase

• Up to 65% LTV for  Cash-out Refinance

• Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement

• Commercial real estate refers to any property used for business activities. Types of commercial real estate include hospitals, assembly plants, storage warehouses, shopping centers, office spaces, gas stations, RV parks or any other location for a business enterprise.

• Loan amount $300K to $100M

• 12 months to 30 years

• Min credit score 650

• Up to 70% LTV for purchase

• Up to 65% LTV for  Cash-out Refinance

• Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement.

• A land loan – sometimes referred to as a lot loan – is used to finance the purchase of a plot of land. You can take out a land loan if you're interested in buying a piece of land to build a home or to utilize for business purposes.

• Loan amount $100K up

• 12 months bridge

• Min credit score 650

• Up to 50% LTV for raw land

• Up to 75% LTV for developed land

• Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; and Two years of business or personal tax return

• A construction loan is a short-term loan that covers only the costs of custom home building or commercial property. This is different from a mortgage, and it’s considered specialty financing. Once the property is built, the prospective occupant must apply for a mortgage to pay for the completed home.

• Loan amount $100K to $500M

• 12 months to 24 months interest only, based on the project

• Min credit score 650

• Up to 80% LTC (Loan to Cost)

• Document needed: Executive summary; Construction budget; Any existing appraisal, environmental and survey reports; Personal Financial Statement for all principals; Corporate Entity Documents; and Real estate track record

• The partner provides homeowners with a smart new loan alternative for tapping into their home equity without taking on debt. They invest alongside home owner, providing cash today in exchange for a share in the home’s future value. Settle any time within 10 years.

• Active States: AZ, CA, FL, MI, MN, NV, NJ, NY, NC, OH, OR, PA, SC, UT, VA, WA

• Whether you're purchasing, renovating, refinancing, or constructing, we've got your spiritual and community projects covered. Acquire the necessary funds now and spread the payments over time.

• Loan Details:

• Funding ranges from $100K to $35M.

• Options include Fixed Rate Loans, Variable Loan Rates, or Interest Only Loans.

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• Prerequisites:

• A straightforward 1-page Church or Non-Profit Application.

• Details of the Church or Non-Profit Debt Service.

• Financial records from the last 3 years: Profit and Loss Statements & Balance Sheets.

• Cash-flow financing offers real estate professionals liquidity for low-leverage, income-generating assets. The lender uses up to 65% of the monthly cash flow from experienced rental investors to provide upfront capital. Acting as a temporary preferred equity partner with a maximum 20% stake and no control, the lender doesn't share profits, and the borrower maintains consistent monthly payments. Importantly, no liens are placed on real estate for a straightforward arrangement.

• Quick Facts:

• Term Length: 1-5 Years

• 7-day closing

• Minimum Advance Amount: $50,000

• Maximum Advance Amount: $2,000,000

• Annual Financing Fee: 11-16%

• Pre-Payment & Deferred Payment Options

• 3+ Months of Payments held in Cash Reserve (*REQUIRED)

• Zero Closing Costs

• Broker fees covered from proceeds at closing

• No lien on property

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• Property Types Considered:

• Single Family Residences (SFR) / Short-Term Rentals (STR)

• Multifamily

• RV Parks

• Mobile Home Parks

• Hotels

• Self-Storage

• Commercial

• Equipment financing refers to a loan used to purchase business-related equipment, such as a restaurant oven, vehicle, or copy machine.

• Loan amount $5K to $1M

• 12, 24, 48 or 60 months term

• Min credit score 630

• Start up business OK (Max loan $50K)

• 5 day funding

• Document needed: Application; Invoice from the vendor showing equipment specs; Vendor has to be based in the US (or has office in the US)

• From backhoes to bulldozers, from pavers to rollers, from dump trucks to 18-wheelers. Heavy equipment loans allow businesses to borrow money to purchase heavy machinery and make payments on a schedule rather than having to pay upfront.

• Loan amount $10K to $1M

• 12, 24, 48, or 60 months term

• Min credit score 650

• Start-up business OK

• No private sale

• Document needed: Application; and Invoice from the dealer showing equipment specs.

• This loan is intended for business owners who are seeking funding to purchase a business.

• Loan amount $350K to $10M 

• Terms vary based on need.  Max term is 25 years

• Min credit score 600

• Document needed:

• From buyer: Application

• Two years of business tax returns for all businesses owned 

• Two years of personal tax returns (in some cases)

• YTD Profit and Loss

• Balance Sheet

• Debt Schedule

• ID

• Resume

• Form Seller

• Two years business tax return

• YTD P&L

• This loan is intended for business owners who are seeking funding for their day-to-day operations, such as payroll, purchasing inventory, business expansion, etc.

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• Loan amount $50K up

• Terms may vary based on need.  Max term is 10 years

• Min credit score 660

• Two years in business

• Document needed: Application; Two years of business tax returns; Two years of personal tax returns (in some cases); YTD Profit and Loss; Balance Sheet; Debt Schedule; and ID

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• Loan amount: $30K to $350K 

• Minimum 650 Credit Score

• No More Than 6 Inquiries in The Last Six Months.

• 3 open active trade lines 

• No New Lines of Credit or Revolving Accounts in The Last Six Months.

• Minimum of 6 Months At The Same Job With 1 Year of Continuous Work History of W-2 Employment.

• Retirement or Disability Income $27,000 annual income

• Ideally, No More Than 60% of Your Total Available Credit Usage

• Any Bankruptcies Must Have Been Discharged 2+ or More Years Ago

• 72 years of age or younger

• For income tax purposes, property owners and real estate investors generally depreciate the commercial property over 39 years.

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• But a residence, office building, warehouse, or any other real property is never just the structure alone. It also includes several other elements, such as plumbing fixtures, carpeting, sidewalks, fencing, and many more.

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• If you were to purchase these assets by themselves, you could depreciate them over five, seven, or 15 years. But they are usually purchased as part of a building acquisition or development and written off over the same useful life as the rest of the building: 27.5 or 39 years.

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• A cost segregation study is a process that looks at each element of a property, splits them into different categories, and allows you to benefit from an accelerated depreciation timeline for some of those building components.

• This is a third-party service provided by one of Sequoia Lending's partners. They are experienced in helping clients quickly fix credit issues and rebuild their credits by using Fair Debt Collection Practices Act, Fair Credit Reporting Act, Fair and Accurate Credit Transaction Act, Fair Credit Bill Act, and many other tools.