[Olderguy]

Bro - I have about 30 but you can't just list lenders.

Some will do SFR's and 1 - 4 units.
Some will do commercial
Some will do construction
Some will do developers
Some will do fix and flip rehab
Some will do hospitality

There is hard money - NoDoc (no income documentation required) and SISA (stated income stated assets)
There is DSCR using rental income to cash flow
There is full docs - full income documentation
There is SBA 504 loan which are used for real estate.

And there are private money people also do a lot of different things - typically $10M and up.

For example on your list LimaOne does DSCR but not stated income hard money so to speak.

Velocity can do 1 - 4 units, etc and can have no lender fee - so the origination is all yours. They are SISA. stated income stated assets.

I could go on and on but it is kind of like asking how high is up or how many points can I make.

Here are some basic guidelines:

If it's a basic hard money property loan, I have been doing a lot of them.....have several lenders I use. Some are blanket loans covering all properties with one loan. Some require loan on each property.

You can finance investment property - residential 1 - 4 units, more than 4 units, mixed use properties, land, commercial property, agriculture, etc.

One has no Fico requirements.

Can get up to 75% Loan to Value cash out on these programs. If Fico below 650, LTV goes down.

Here are your options:

Bridge loan - 24 months Interest Only - runs around 11%. Can have no prepayment penalty up to 6 months to a year depending on the lender.

10 year interest only, amortized 20 after. This program has a bit of a lower rate and is good for rental properties as it offers the lowest payment. However, it does have a 5.4.3.2.1 prepayment penalty. Thats 5% first year, 4% second year, etc. You can buy down the prepay to 3 years for 1% cost. To 1 year at a 5% cost. AGain there are variations.

30 year fixed.....this is for long term fixed and the rate is the lowest of the two above. It also has the 5,4,3,2,1 prepayment penalty.

These loans are NoDoc (no income documentation) or SISA (Stated income stated assets)

You can also do a dscr on 1 - 4 units and the rates gets into the 8% range.

Reach out with questions or help.

Lender fees run 0 - 3%
Broker fees usually I charge 3% up to $1M and 2% over $1M
I split with brokers at 50%.

Get me a SREO below and a Fico score.

https://docs.google.com/spreadsheets...gid=1914226431