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believes
the hallmark of successful money management is it
ability to mitigate risk and perform well during all
phases of the economic cycle, and not by achieving
high returns by accepting inordinate risk. success
is grounded in a thorough understanding of underwriting
commercial real estate and development loans combined
with providing impressive interest rate yields to
our investors.
funds land, development, construction, bridge, income,
owner/non-owner occupied residential and special use
commercial real estate for acquisition, refinance,
cash out and infusion. We have cultivated outstanding
relationships with a network of investors, primarily
high net worth individuals, Hedge Funds, REITs and
pension plans.
Our market niche is lending
to those who need fast, short-term financing. We have
cultivated a network of borrowers that return for
new transactions time and again. Borrower's loans
are screened and processed swiftly by one of our principal
brokers. Without the red tape and delays of traditional
institutions, is able
to fund loan requests as quickly as 72-hours after
receiving a completed package.
Here are a few reasons investors
prefer to invest with :
has never
lost penny of investors principal or interest.
has never
taken back a property in a foreclosure.
has loan
documents drafted by our legal counsel.
principals
see every property before funding.
meets
with all borrowers before funding.
The company does not charge
up front fees and uses the following general guidelines:
Loan to Values (LTVs); 50%
for land, up to 65% for Development, Vertical
Construction up to 70% and Bridge
up to 70%. Some investors who have a
keen interest in the property from
time to time will loan at higher LTVs.
Terms; Most loans are made for a 12-18 month term,
and sometimes longer.
Loans fees; Paid by the borrower.
Geographic focus; we make loans in California and
have nationwide contacts.
Size; Typical loan size is $250,000 to $5 million+.
We regularly see and fund
investment opportunities over $30
million.
Interest Rates; Typically 9-14%
After the initial discussion,
our Underwriting Department will contact borrowers
with an Investment Package Request. Our Investment
Package typically includes the following; Preliminary
Title Report, Purchase/Option Agreement, borrower
documentation, opinion of value (BPO) or appraisal,
and if applicable, designs and construction breakdown,
pictures of property and etc.
If you are a borrower and
ready to begin the process, please begin by filing
out our Borrower's Questionnaire and click
here. If you are an investor and ready
to begin the process, please begin by filing out our
Investor's Questionnaire and click
here.
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