90 LTV Hard Money Loans For Real Estate Investors
In the fast-paced world of real estate investing, access to quick and substantial financing can make all the difference.
At CS Financial Group Inc., hard money loans can be up to 90% LTV. This helps venture capitalists and real estate investors take on more projects and close deals faster.
Our high-leverage loans meet your unique needs. They are for experienced flippers and rental investors who want to boost ROI or expand their portfolios.
Benefits of 90 LTV for Real Estate Investors
Unlock potential growth with 90% financing for house flippers and real estate investors!
For Flippers
- Boost Your Profits: Increase your buying power and maximize ROI on every fix and flip project.
- Reduce Buying and Fixing Costs: This lowers investors’ costs. It helps maintain cash flow during projects.
- Capitalize on Opportunities: Fast close times help maximize investment opportunities.
For Rental Investors
- Maximize Buying Power: Put down 10% of your cash and get more properties with the same investment capital.
- Diversify your portfolio: An up to 90% LTV loan lets investors spread capital across various real estate types to cut risk.
- Free Up Trapped Equity: Refinance properties to pull out cash. Use it for new acquisitions, renovations, or other investments.
- Easier Market Access: An up to 90% LTV loan helps new or low-capital investors enter real estate more efficiently.
Loan Options Tailored to Your Investment Strategies
Get the money you need to dominate the real estate market. Whether you’re flipping houses for quick profits or building a rental empire, we have the perfect loan.
Are traditional mortgage banks too slow? No problem. Our hard money loan gives you the edge with lightning-fast approvals and funding. Seize the best deals before anyone else.
Fix and Flip Loan
Our fix-and-flip loans maximize your buying power with a high loan-to-value. Less cash out of your pocket means more profit in your deals. Renovate, sell, and repeat!
Bridge Loan
Don’t miss out because you’re waiting for a traditional loan. Up to 90% LTV bridge loans allow you to close deals without delay, giving you the upper hand in hot markets.
Construction Loans
Build your dream project from the ground up with our construction loans. We finance new construction and major renovations.
Long-Term Loans
Secure long-term financing for your rental properties or investment portfolio. Our long-term loans offer competitive rates and stable monthly payments.
Why Choose Us CS Financial Group Inc.,
Speed and Efficiency
- Close in as little as seven days.
- Streamlined application and underwriting processes are designed for experienced investors.
- Dedicated loan officers will guide you through the process.
Flexible Terms
- Loan terms are tailored to individual needs and circumstances.
- Options for interest-only payments or customized amortization schedules.
- Flexible terms to align with your investment strategy.
Expertise and Support
- Twenty years of experience in hard money lending for real estate investors.
- Ongoing support throughout the loan term.
- Commitment to helping investors succeed with the necessary resources and guidance.
CS Financial Group Inc. offers competitive rates and flexible terms, but how do you apply for one of their loans?
Learn about the process in our step-by-step guide, “How to Apply for Hard Money Loans.”
Tips for Getting Approved for a 90% Hard Money Loan In Irvine, CA
Hard money loans offer significant leverage, but many borrowers are not approved. Lenders will analyze your plan to flip the property to protect their investments.
Here are a few tips to increase your chances of approval. Get the edge in funding your real estate project:
- Present a crystal-clear investment strategy.
- Showcase your experience (or build it).
- Demonstrate financial stability.
- Build a relationship with the lender.
Frequently Asked Questions
Are interest rates and fees different between short-term real and rental investors?
Short-term real estate investors pay higher rates due to shorter-term, riskier projects. Rent investors may have lower costs. The lender expects ongoing income from the property.
Red flags for 90% hard money loans, even with good credit?
Inexperience, unrealistic budgets, weak ARV (after-repair value) support, and declining markets raise red flags.
Can the borrower use ARV for a hard money loan instead of the real estate purchase price?
Some hard money lenders use ARV (After-Repair-Value) to set the loan amount. This is common for fix-and-flip projects.
Options to avoid default on a 90% hard money loan with renovation delays?
Proactively communicating with your lender will still be essential for loan extensions, interest reserves, or added collateral.
What are the best exit strategies for flippers in the current market?
It would be best to have market knowledge and adaptability to flip properties or do rent-to-own deals.
With 20 years of hard money lending, certified mortgage broker Sandy Yuen has helped investors finance many projects. These include second homes, commercial properties, apartment buildings, and shopping centers.
She uses fix-and-flip, bridge, and construction loans to meet their needs. Sandy is a trusted lender in Irvine, CA. She is known for her fast approvals, flexible rates, and high transparency. She has served over 500 clients with over $450 million in funding.
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Local & National
While we are based in Southern California, our reach is national. For the exception of a few states, we have funded loans all across America in some of the largest and most active metropolitan areas.
We have also worked with clients ranging from local, national, to global, helping them secure the right loan for their project.
Ready to Start?
Let’s being the process with a complimentary consultation. As we specialize in custom hard money loan solutions for our clients, we want to better understand your specific needs in order to offer you the best program available.
Please fill our inquiry form to get the process started!