I have a client in Jacksonville, FL looking to refinance out of two hard money loans on a 3-plex and a 4-plex. He is VERY experienced and does incredible work on his projects. He owes $180,000, looking for $200,000, combined value of $410,000. He used his own money for the rehabs and maxed out his cards, which dropped his FICO down to 631. That presents a problem for getting a decent rate with the typical lender. He needs to have a rate in the 7% range or better. He will have his score back up within 2 - 3 months. The units are 100% leased. He will also be a repeat customer.

Tom Harrier
Integrity Commercial Loans, LLC
407-928-8542
broker@tomharrier.net