Products
Whether you’re looking to buy and hold, fix and flip, or build to rent, Smart Lending can help with your investment needs. Reach out to us today to see if your project qualifies for one of our direct funded loans.
Single Property Rental Program
Single property rental loans allow you to access long-term financing at a fixed rate. Purchase new rental properties or unlock existing equity with a single property rental program. Loans are flexible enough to meet the needs of various rental property investors.
*$55,000-$2,000,000 loan amounts
30 Year and ARM terms available
Minimum FICO Score of 660
SFR, 1-4 Units, Condos, Townhomes
Personal guaranty from borrower required
Max 80% LTV ; Rates vary based on underwriting
Multifamily & Mixed-Use Bridge Program
Multifamily & mixed-use bridge loans provide the flexible financing options investors need throughout the investment lifecycle. Bridge loans can be used to purchase new properties, refinance existing investments or fund needed renovations.
*$500,000-$5,000,000 loan amounts
12/24/36 month terms available
Minimum FICO Score of 680
5-20 unit properties, larger properties at lender discretion
Personal guaranty from borrower required
Max 75% LTV ; Rates vary based on underwriting
Fix & Flip and Ground Up Program
Designed for investors who are buying distressed properties, rehabbing, and selling. The Ground-Up program is a one-stop financing solution for experienced developers who want to build new rental properties. Funding is provided during the construction phase as well as a long-term solution once projects have been stabilized.
*$150,000-$3,500,000 loan amounts
12/18 month terms available
Minimum FICO Score of 630
SFR, 2-4 Units, Condos, Townhomes
Personal guaranty from borrower required
Max 70% LARV ; Rates vary based on underwriting
Don't see what you're looking for?
Our loan products and lending capabilities are constantly expanding, so if you don’t see it listed above, just ask! There are always solutions whether in house with Smart Lending, or with one of our trusted affiliate partners. Please share your vision with us, as we provide a Smarter way to success