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Soft Money Loan Programs for Real Estate Investors


Welcome to Stratton Equities' Soft Money Loan Programs – where flexibility meets affordability. Catering to a wide spectrum of real estate investors, our soft money loans bridge the gap between traditional bank financing and hard money loans, ensuring you get the best of both worlds. Whether you're a seasoned investor or just starting, explore our offerings designed to boost your real estate potential.

Why Opt for Stratton Equities' Soft Money Loan Programs?

At Stratton Equities, we are Nationwide Leading Direct Private Money and NON-QM mortgage lenders. Our private money loan programs for Real Estate Investors are structured to meet your investment property goals. We now provide the innovative Soft Money Loan for prospective borrowers looking to apply for a mortgage loan program. 

As one of the premier private money and NON-QM mortgage lenders for real estate investors, we are always looking for unique loan products to quickly finance real estate investment properties and help real estate entrepreneurs build their portfolios.

Soft money loans offer a unique blend, combining the best attributes of conventional financing with the agility of hard money. With Stratton Equities, experience quick approvals, moderate interest rates, and terms tailored for your project's success.

Why Opt for Stratton Equities' Soft Money Loan Programs?

Soft Money is an innovative new approach to private money lending which combines the benefits of both hard money loans and more traditional loans.

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. 

The combination of lower rates and a longer-term makes the soft money loan a better fit than a hard money loan for many borrower’s situations, particularly those interested in investing in a commercial or a more long-term property. Stratton Equities can approve a soft money loan and provide funding to the borrower in 2-3 weeks.

If you're a Real Estate Investors looking to apply for a soft money loan, please keep in mind that only borrowers with high credit scores (over 650) are eligible for this type of term loan


Unlike conventional investment property loans that max out at 70% LTV, a NO-DOC Soft Money Loan Program maxes at 80% LTV and with no PMI. This allows the borrower to put less money down on their purchase.

Our team of experienced Loan Officers are here to work with you every step of the way! Apply Now for a Soft Money Loan today!

Stratton Equities - Soft Money Lending

While the hard money loan is still the preferred option for many real estate investment scenarios, a soft money loan will become increasingly the loan used by first-time real estate investors, borrower’s looking to build their credit score, and investors with a good credit history who are looking for lower rates.

Stratton Equities funds soft money loans on single-family, multi-family, mixed-use, and commercial - real estate investment properties. 

soft money asset-based loan combines the benefits of hard money loans with lower risk, higher rates, and a term loan time-frame - soft money loans fit many borrowers far better with lower costs, lower rates, and longer terms (5/1 ARM, 30 year fixed).


The interest rates on an asset-based soft money loan are usually higher than those of traditional qualified mortgages.


Interest rates for soft money loans start at 6.99%, and Stratton Equities’ library loan products offer real estate investors the best rates in the mortgage industry.


Direct private money lenders usually charge higher interest rates due to the greater risk associated with these loans, and the incredible speed in which they are able to process and fund transactions.


Soft money loans are longer term (5/1 ARM, 30 year fixed) loans and are the best opportunity to aid any real estate entrepreneur in developing their success.

Want more information on soft money loans? Check out What is a Soft Money Loan?


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

What's the difference between Hard Money vs. Fix and Flip Loans?

Found an investment property and interested in applying for a soft money loan?

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