PRIVATE MONEY PROGRAMS
Stratton Equities was created to provide a central hub for real estate entrepreneurs and borrowers to have the best chance at success. Our company has the largest library of Private Money and NON-QM mortgage programs under one roof for nationwide real estate investors.
When a prospective borrower works with a Mortgage Loan Officer from our team, they have access to the library of our innovative, efficient, and fast mortgage programs, with a company they can trust.
Our Nationwide Private Money and non-qualified mortgage (NON-QM) loan programs are tailored to meet your real estate investment needs, regardless of what type of loan product you’re looking for your investment property.
As the Leading Nationwide Private Money Lender for real estate investors, our borrowers can rely on us to quickly finance their real estate deals and help them grow their business.
Learn How You Can Purchase an Investment Property with the right Mortgage Program and try out our
Ready to Apply for a Hard Money Loan? Find out more. Looking for a Fix and Flip Loan? Fix and Flip Loans 101.
The Nation's Leading Private Money And NON-QM Mortgage Lender
At Stratton Equities, we've created the best investment property loan options to provide an assortment of specialized mortgage programs.
As one of the Nations Leading Hard Money Lenders, we work closely with real estate investors and entrepreneurs nationwide and provide them with best-in-class options tailored to their unique investment property loan scenarios.
The mission of Stratton Equities has been to establish the largest assortment of Nationwide Mortgage Programs in the industry under one roof. Our specialized NO DOC ensure that the mortgage process is quick, easy, and convenient for every real estate investor.
Here is an overview of our specialty loan programs that can help any borrower take advantage of your next real estate investment opportunity!
When it comes to real estate investment opportunities we know how important it is to have a fast and efficient financing process for your project. At Stratton Equities, we offer Private Money and NON-QM Mortgage programs for nationwide real estate investors for both commercial and investment properties.
Unlike the grueling process of bank mortgages which can take upwards of forty-five days, Stratton Equities can approve your loan scenario and fund a Private Money loan program that will provide you with funds in an average closing time of just 3 weeks or less, No upfront fee!, No junk fees!, No tax returns! We are here to quickly assist you every step of the way.
The primary benefit of a Private Money loan program is that it allows you to do more Real Estate transactions, which is why many Real Estate Investors choose to utilize it. There is a large number of real estate investors that struggle with other sources of money such as conventional mortgages and lines of credit.
The primary benefit of Private Money is that it allows you to do more deals faster!
What Is A Private Money And NON-QM Mortgage Lender?
Private money mortgage lenders are not conventional banks but rather financial institutions that loan real estate investors the funding they need to finance their real estate investment deals.
Stratton Equities is The Leading Private Money and NON-QM Mortgage Lender, we offer the following mortgage programs:
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NON-QM Loans
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Soft Money Loans
Stratton Equities mortgage programs are specifically designed for real estate investment properties.
We concentrate on 1-4 unit, mixed-use, multi-family, commercial, storage, office, warehouse, industrial,
and apartment buildings.
Why Should A Real Estate Investor Apply For A Loan With A Private Money And NON-QM Mortgage Lender?
Real Estate Investors choose to work with these Loan Programs or Hard Money Loan Programs because of the flexibility, fast turnaround, and fewer underwriting guidelines/requirements.
When working with a Private Money Lender, like Stratton Equities, we provide the quickness real estate investors will appreciate when trying to close a loan; especially for a Fix and Flip (21-25 days), or Bridge Loans (also 21-25 days), this is faster than the lengthy time frame banks typically take to complete a loan.
Furthermore, a Private Money lender is a better choice because banks tend to not lend on rehab costs.
Additionally, when working with a private lender, Real Estate Investors will receive the freedom and ability to scale their investments beyond what banks or other Hard Money lenders can provide.
Stratton Equities finances Fix and Flip projects and rental properties. In these specific scenarios, we provide borrowers with our valuable professional insight and up to 85% LTV, 100% of the rehab costs, and 75% ARV.
This is very evident when it comes to working with multiple properties - banks will limit investors to only a few properties to loan on at a time, whereas private lenders usually will not have limits on the number of properties an investor can be working on.
Which Type Of Real Estate Investment Properties Do Private Lenders Loan On?
Stratton Equities' Private Money Loan Programs work with a variety of loan scenarios for investment properties. The majority of Private Money and Hard Money lenders work with real estate investors on commercial or residential properties. However, at Stratton Equities we work with 1-4 unit, mixed-use, multi-family, commercial, storage, office, warehouse, industrial, and apartment buildings.
These mortgage programs are perfect for private investors who cannot obtain a bank loan from a traditional financing (conventional bank) source due to their employment history, investing experience, and credit score.
What are the types of Loan Programs for Private Investors in the Real Estate Market?
There are two types of loan products; Asset Based loans and term loans. An Asset Based loan is a mortgage program that is always a Bridge Loan with a loan term of 12-24 months.
Asset based lending is based on the liquid assets of the borrower, as well their credit score, but not the salary they earn or employment history. Specific programs include; bridge loan, Hard Money loan, multifamily, 1-4 family, and commercial. The loan amounts for this type of loan is $100K-$5M and are not to be used as personal loans.
Benefits of Asset Based Loans:
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These loans are typically faster than a traditional loan, and require less documentation and paperwork.
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In addition to closing faster than a term loan, these loans have fewer underwriting guidelines and higher interest rates.
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The cash flow Asset Based lending offers can bridge the gap between expenditures and incoming cash receipts for your business.
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The loan proceeds can be used as needed, and is not tied to a certain purpose (such as equipment purchase.)
A Term Loan is a type of loan that requires no proof of income or tax records from the borrowers. Instead, this loan is based on credit history, real estate investment experience, and liquid assets, which are then processed through underwriting.
The relationship between the borrower and the Private Money lender, is based on the loan agreement that the borrower can afford loan payments and will make them. A Term Loan is perfect for self-employed individuals or individuals without a regular income source. Specific Term Loan Programs; NO-DOC Loan, Soft Money Loan, Stated Income Loan, No-Income Verification Loan, Cash-out Refinance Loan, and Rental Loan.
Benefits of Term Loans:
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Fast approval process, making it well suited to the quick turn-around associated with real estate investing.
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It can be utilized on an array of property types, including, Single-family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, and Warehouse.
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Loans up to 80% of value, with rates starting at 6.50%, and with loan amounts ranging from $100K – $5M.
Private Money or a NON-QM (non-qualified mortgage) mortgage program is a type of loan that is for investment properties only, it is for private investors looking to invest in the real estate market, and cannot be used on owner-occupied properties.
For real estate investors leaning towards the residential side of investing, private lenders can work with investors on either single-family properties or Multi-Family
At Stratton Equities we also focus on Fix and Flip and Rental Properties, providing the borrowers with up to 80% of the purchase and repair costs of the investment properties, in addition to an experienced and professional team that help our borrowers further grow their businesses.
Each of our specialized mortgage programs features unique characteristics, ranging from loan size and term to various interest rates and credit score qualifications. To discover which option is right for your loan scenario - calculate your loan in our Mortgage Calculator.
What Are The Benefits Of Private Money Loan Programs?
Whether you wish to flip a property or obtain a Bridge Loan, working with a Private Money mortgage is a simple, quick solution for getting the real estate funding you need for your investment property.
- Less Underwriting
- Closes Faster (21-25 days)
- Less Guidelines
- Access to Endless Capital = Opportunity to Endless Deals
If you have an investment property and would like to speak to one of our Loan Officers, Apply Now!
With Private Money rates starting at 6.50%. It’s clear to see why Stratton Equities is the top choice for ambitious real estate investors.
Contact Us, call us at 800-962-6613, E-mail Us, or Apply for loan pre-qualification today.
If you have an investment property and would like to speak to one of our Loan Officers, Apply Now!
Everything you need to know about Hard Money Loans: Hard Money Made Easy 101.
Nationwide Property Types For Private Money Loan Programs For Real Estate Investors
A borrower can obtain a Private Money loan, nationwide, on most property types. Working with Stratton Equities is a superior choice, based on our library of various mortgage programs, including Private Money rental loans rates (starting at 6.50%), a professional and passionate team, and a quick loan approval process.
However, with so many specialized mortgage programs under one roof, it may seem difficult to pinpoint precisely which of Stratton Equities' programs is right for your real estate investment scenario.
How do you know which Specialized Mortgage Program is right for you? Stratton Equities can provide Private Money program for the following property types:
- 1-4 Family
- Mixed Use
- Multi-Family
- Commercial
If you have an investment property and wish to speak with one of our Loan Officers, call Stratton Equities
at 800-962-6613 or Apply for loan pre-qualification today!