HARD MONEY LENDING

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Fix and Flip

Complete Rehab
Remodel
Buy and Hold

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Residential

Single Family
Residence Condominium
ApartmentDuplex, Triplex, Quadraplex

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Commercial

Office and Retail
Multi-FamilyStorage,
Hospitality, Industrial

What We Offer

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Non-Prime O/O Consumer Purpose

For the owner occupied borrowers with less than perfect credit, challenges with proof of income or just need to close quickly. ACG offers consumers the ease of finance with lower than expected rates compared to hard money products. This program varies between traditional income documentation to alternative forms of proof of income documentation. Athas even finances borrowers with fico scores as low as 300! Our maximum DTI is as high as 55% with LTV’s as high as 80%. We offer a creative solution for hard to finance owner occupied homes.

More Details

Alternative Doc: VOE only, 1099 only, P&L only (no bank statements) & 1-month personal bank statement
Traditional Alt Doc: 12 and 24 months personal or business bank statements
Traditional Full Doc: W2’s & Paystub, 1040’s
$50,000 – $7,000,000
Lending to Individuals and Trusts
5/25, 7/23 arms and 30 year fixed
DTI’s up to 55%
LTV’s up to 95%
Rates as low as 4.75%
100% Gift Funds – OK
Gift of equity-OK
Foreign Nationals with US Credit – OK
Foreclosure Bailout – OK
Non-Warrantable Condo – OK
Condotels – OK
Lease Option Buyout using current
Appraised value – OK
Rural Properties – OK
Green Card Holder – OK
No FICO – OK
Sub 500 FICO – OK
Foreclosure bailout – OK
No liquid cash reserves needed up to 90% ltv

Rate Sheet

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Non-Prime N/O/O Business Purpose

Borrowers looking to refinance N/O/O SFR, 2-4 unit properties, 5+ unit multi family, Mixed Use or Office & Retail can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.

More Details

No Income Proof Needed
All Loans are N.I.V. (No Income Verified)
LTV up to 80%
No DTI Ratios
No DSCR calculated on residential collateral
Rates as low as 5.99%
Up to a 2 Point Rebate
Loan Amounts from $50,000 – $5,000,000
Lending to LLC’s, S-Corp, Trust or Individuals.
Property Types Include: SFR, Condo, 2-4 Units
Interest Only Option Available
Foreign Nationals – OK
100% Gift Funds – OK

RATE SHEET

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Non-Prime Bridge

Every borrower deserves a loan and with our bridge loan product. Those borrower looking to refinance N/O/O SFR, 2-4 unit properties, 5+ unit multi family, Mixed Use or Office & Retail have just that. We even finance properties in rural areas and those with minor to significant deferred maintenance. With an increased loan amounts and just about any credit profile ACG is the home for your next bridge loan request.

More Details

No Income Proof Needed
All Loans are N.I.V
No Income Stated on 1003
No DTI Ratios
No DSCR calculated on residential properties
Rates as low as 6.99%
LTV up to 80%
Loan Amounts from $50,000 – $15,000,000
Lending to LLC’s, S-Corp, Trust or Individuals.
Property Types Include: SFR, Condo, Condotels, 2-4 Units, Multifamily, Mixed-Use, Office, Retail
Interest Only Option Available
Foreign Nationals – OK
100% Gift Funds – OK
Properties with Deferred
Maintenance
Rural Properties
Short Term and Long Term Bridge
Options are Available
No source & seasoning of down payment options
Up to 2 point rebate

Rate Sheet

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Fix and Flip

Sometimes a great opportunity comes up in the market. Our Fix and Flip loan allows borrowers to purchase a distressed property or refinance an incomplete property without the need for draws and escrow accounts.

More Details

No Income Proof Needed
LTV’s up to 75%
12-month term available case by case
No Prepayment Penalties
Loan amounts up to $2,000,000.
Flipper must show ability to complete rehab.
FICO’s down to 500 – OK

Rate Sheet

Why Were Different.

We take great pride in customer service and believe in being open, direct and transparent with our clients. Solid communication is paramount to a successful transaction and allows us to fund even under the most complex of circumstances. Since 2006, we have strengthened the company’s vision and have grown accordingly. We are continuously reinforcing our relationships with brokers, borrowers, and real estate agents. Please contact us for all of your financing needs as we are here to help. It’s fast, easy and free to get a quote.