HARD MONEY & PRIVATE MONEY LOAN PROGRAMS

Stratton Equities is the leading financing solution for borrowers looking to purchase an investment property, all of our mortgage programs are made for real estate investors to succeed. It makes it much easier for investors to get approved and qualified to continually purchase a whole portfolio of investment properties.

 

As a Direct Hard Money Lender & NON-QM (non qualified mortgage) Lender that specializes in fast and flexible lending processes, we offer the largest library of Hard Money and Private Money Loan Programs Nationwide.

Scroll down for an overview of our innovative loan products and discover which mortgage program is best for your investment property.

 

If you have a loan scenario that you’d like to review with a member of our loan officer team, enter your information into our Mortgage Calculator or Apply Now!

Our team is owned and operated by Real Estate Investors with experience in private money lending and working with asset based loan programs.

 

We are passionate about helping all Real Estate investors succeed and receive the funding for their real estate investment goals.

Asset Based Loans for Real Estate Investors

Stratton Equities is a private money and hard money lender that works with Asset Based Loan programs providing more mortgage options to offer borrowers. This presents any real estate investor a loan option to suit their unique circumstances and loan scenario. 

 

As a borrower working with a Private Money Loan or Hard Money Loan, both asset based loan programs establish loan qualification on the value or potential value of an investment property. This is ideal for real estate entrepreneurs who may have trouble qualifying for a conventional loan due to credit history, cash flow, and self-employed status, are ideal candidates for an Asset Based Loan program. 

Our Hard Money and Direct Private Money loan programs support the following investment projects:

Unlike a traditional mortgage lender, who relies on proof of employment, tax documentation, and credit score. A private money and hard money lender, like Stratton Equities, bases loan approval on the value or potential for value of a property, making this ideal for real estate investors who might be self-employed, have poor credit, or other circumstances which make traditional mortgage approval difficult. Approval is based on the Loan-to-Value Ratio (LTV), which compares the loan amount to the value of the property.

Are you a Broker? Find out more - Why Should Brokers Work with an Asset Based Lender?

Private Money and Hard Money Loan Program Summary

A Hard Money Loan (is an asset-based loan, which means the financing is based on the Loan to Value (LTV) of the Asset. Unlike the Fix and Flip loan, it doesn’t go through full underwriting and there’s no minimum FICO requirement for the borrower, as it doesn’t have many guidelines and criteria.

What are the 3 Steps to Processing a Hard Money Loan​?

  • Rates Starting at 7.25%

  • $100K – $5M

  • Up to 75% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 9-24 Month Terms

  • Interest Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

Fix and Flip loan programs are tailored to provide real estate investors with quick access to funding. Like all our direct private money lending programs we ensure a hassle free and reliable loan process.

Find out more: Fix and Flip Loans 101

  • Rates Starting at 7.25%

  • $100K – $5M

  • Up to 90% LTV /  75% ARV

  • 100% of the Rehab

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Mixed-Use, Office, Retail

  • Fixed rates/Adjustable

  • 9-24 Month Terms 

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

Our bridge loans provide funds to real estate investors with shorter investment horizons and exit strategies. A bridge loan is defined as a short-term (12-24 months) real estate loan that closes faster than term loans or conventional loans. It's great for Real Estate Investors because not only does it close quickly, but the guidelines are more lax, therefore there is less underwriting and documentation needed.
  • Rates Starting at 7.25%

  • $100K – $5M

  • Up to 75% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 9-24 Month Terms

  • Interest Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

Our rental portfolio loans allow you to access long-term financing at a fixed rate. You can use our loans to unlock your existing equity, consolidate other debt or purchase new rental properties. Our loan products are flexible to meet the needs of different rental property investors. 

Our single asset and blanket rental loans provide liquidity & long-term peace of mind to owners of stabilized rental properties.

  • Rates Starting at 4.375%

  • $100K – $5M

  • Up to 85% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 5, 7, 30 Year Fixed 

  • Interest Only Option Available

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

A Cash Out Refinance with a no documentation mortgage loan is where the borrower can take cash-out of their property from having equity and utilize their funds as they would like. 

Typically these private money loan programs are NO-DOC loans and require no income verification when applying.

  • Rates Starting at 4.375%

  • $100K – $5M

  • Up to 80% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 12 months, 5, 7, & 30 year terms 

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

A NO-DOC mortgage loan is a type of asset based loan program that does not require income verification or tax returns from the borrower. Instead, this type of private money loan is approved on the confirmation to the lender that the prospective borrower can afford the loan payments. 

  • Rates Starting at 4.375%

  • $100K – $5M

  • Up to 85% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 5, 7, 30 Year Fixed 

  • Interest Only Option Available

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

A soft money loan requires more underwriting than a hard money loan, allowing it to have lower rates and greater security. It is based on both the borrower’s credit score and the property’s LTV, and is usually a term loan rather than a bridge loan.

 

In the context of lending, the term ‘soft money’ implies that this type of loan falls somewhere between a hard money loan and a traditional mortgage. 

  • Rates Starting at 4.375%

  • $100K – $5M

  • Up to 85% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 5, 7, 30 Year Fixed 

  • Interest Only Option Available

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

Commercial Private Money Loans are the perfect solution for real estate investors looking to purchase a commercial investment property such as; office buildings, retail property, mixed use, industrial, warehouse, and multifamily housing including apartment complexes. 

  • Rates Starting at 5.25%

  • $200K – $5M

  • Up to 80% LTV

  • Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 5, 7, 30 Year Fixed 

  • Interest Only Option Available

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

stated income loan or no income verification loan, is one of the leading private money loan programs available to real estate investors, allowing the borrower to secure funding without needing to qualify on their debt-to-income ratio.

 

Unlike conventional mortgages, a stated income loan is easier to be approved versus a traditional loan, and is a way for self employed borrowers who would not qualify for a traditional financing to achieve their investment dreams. 

  • Rates Starting at 4.375%

  • $100K – $5M

  • Up to 85% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed-Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 5, 7, 30 Year Fixed 

  • Interest Only Option Available

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

If you have a loan scenario and are ready to speak to one of our loan officers, reach out today at info@strattonequities.com or Apply for Loan.

Looking to see if we loan in your state? Stratton Equities is a nationwide direct private money lender, click here to find out more about What Private Money Lenders Look For. 

See Where We Lend & check your state today! Find out more about our Specialized Mortgage Programs.

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