Loan Programs

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SUNSET EQUITY OFFERS RENTAL LOANS, BRIDGE LOANS, COMMERCIAL LOANS, FIX AND FLIP LOANS IN LOS ANGELES, CALIFORNIA & OTHER STATES OF THE USA.

HIGHLIGHTS

OUR LOAN AMOUNTS

$100,000 TO $10,000,000

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OUR TERMS

6-24 MONTHS (LONGER TERMS CONSIDERED ON A CASE BY CASE BASIS)

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PREPAYMENT PENALTY

NO PREPAYMENT PENALTY

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LOAN TYPES

1ST POSITION LIENS FOR NON OWNER OCCUPIED (NOO) PROPERTIES ONLY

LOAN TO COST (LTV)

UP TO 80% LTV or 70% of ARV

LOAN ORIGINATION FEES

VARIES DEPENDING ON LENGTH OF TERM

What We Offer

Fix and Flip

Fix and Flip

Loan Amount – $100,000+
LTC – Up to 75%
Construction – 100% Construction / Rehab
Loan Term – 12 – 18 Months / No Prepayment Penalty
FICO – 680+
Purpose of Loan – Purchase, Refinance, Fix and Flip
Collateral – SFR, Townhomes, Condos, 2-4 Units
Geography – Nationwide
Borrower – Single Purpose Entity
Recourse – Full PG
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Rental

Rental

Loan Amount – $100,000+
LTV – Up to 80% on Purchase, Up to 80% on R/T, Up to 70% Refinance
DSCR – 1.2+
Loan Term – 30yr FRM or 30yr FRM with I/O option
FICO – 680+
Purpose of Loan – Purchase, Refinance, Cashout
Collateral – SFR, Townhomes, Condos, 2-4 Units
Geography – Nationwide
Borrower – Single Purpose Entity
Recourse – Full PG
Amortization – Interest Only or Full Amortization

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New Construction

New Construction

Loan Amount – Up to $5,000,000+
LTC – Up to 75%
Construction – 100% Construction / Rehab
Loan Term – 12 - 18 Months No Prepayment Penalty
FICO – 680+
Purpose of Loan – Ground Up
Collateral – SFR, Townhomes, Condos, 2-4 Units
Geography – Nationwide
Borrower – Single Purpose Entity
Recourse – Full PG
Amortization – Interest Only / No Prepay
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Commercial Bridge Loan

Commercial Bridge Loan

Loan Amount – $500,000+
LTC – Up to 75%
Construction – Value added
FICO – 680+
Interest Rate – Varies
Purpose of Loan – Purchase, Refinance,
Renovation, Bridge, Cashout
Collateral – Multi-Family, Mixed-Use,
Retail, Office, Light Industrial / Warehouse
Geography – Nationwide
Borrower – Single Purpose Entity
Recourse – Full PG
Amortization – Interest Only / No Prepay
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Fix and Flip Loan

What is a Fix and Flip Loan?

In this day and age, as property prices continue to rise, Fix and flip projects have become a prominent form of real estate income. A fix and flip investment entails purchasing a property, renovating and repairing the property, and reselling the property for a higher price to attain a profit. So who funds these loans? Fix and flip loans are actually difficult to fund because they are usually short-term loans. That’s why rather than using conventional methods of acquiring a loan from the bank, a lot of fix and flippers choose to acquire their loans from private lenders.

Here at Sunset Equity, we have extensive knowledge on the real-estate industry which allows us to fund even the most difficult fix and flip deals. We offer fix and flip loans all over the U.S with rates starting a 7.49%.

We know that getting access to capital can be difficult for those involved in fix and flips. By choosing Sunset Equity we are able to fund your portfolio very quickly and efficiently. We also have other benefits such as no prepayment penalties, no income requirements, and minimal paperwork. This is why Sunset Equity is the leading private equity firm to fund your fix and flip today! Contact us now to learn more!

Commercial Loans

What are Commercial Loans?

Any property that has a commercial use can be used as collateral for a commercial loan. At Sunset, we lend on all types of commercial property from office buildings and strip malls to large shopping centers (with or without an anchor tenant) that is located within the continental United States. We also provide rehab and construction financing on Commercial property and can easily roll a bridge loan into permanent financing.

Commercial Property Types

Multi-Family

Office

BRIDGE LOANS

What is a Bridge Loan?

Bridge Loan is a term used by Private money lenders when originating a non-traditional bank loan. The term bridge is a term used by people in the industry to bridge the gap between purchase and disposition via refinancing or sale. The Lenders rely upon originating bridge loans mainly on borrower’s assets and equity in the underlying collateral. These bridge loans are most suited for a fix and flip investor that needs further financing either until the closing of a transaction or resell the property usually within less than a years’ time.

Construction Loan

Sunset provides construction and Rehabilitation loans to investors. These loan operate as line of credit where the borrower may access those funds for construction purposes. The caveat is that these loans are only drawn when certain portion of the project is completed as it operates for construction reimbursement. The disbursement of funds is done through a fund control to ensure work has been properly performed.

No Payment on Construction Holdback

No payment on construction hold back is HUGE. Imaging having to pay on money that you do not have access to. For instance if you borrow 1 million for construction portion of your project at 9%, you would have to pay $90,000 per year on monies that you did not use. Assuming if the purchase money loan is too 1 million, then you effective interest rate is 18%. At Sunset you do not pay for construction hold back to the extend that it’s not used.

AUCTION LOAN DETAILS:

LOAN SIZE: $100K – $10M

LTV: Up to 65% LTV

LOAN TERM: 12 months

CREDIT SCORE: Min. 600 FICO

LENDING AREA: Nationwide – 50 States

OCCUPANCY: Non-Owner Occupied

LOAN TYPE: Live Auctions & Online Auctions

PROPERTY TYPE: Single Family Home, Condo

BORROWER PROFILE: Individual, LLC, Limited Partnership Or Corporation

Ready To Get Your Loan?

Fast Closing. Fast Growing.

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