Rehab / Fix & Flip / Construction / 1 to 4 Family and Mixed Use - Up To 90% Purchase & 100% Rehab

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FIX & FLIP PROGRAM / 1-4 FAMILY

(Up To 90% Purchase & 100% Toward Rehab / 1-4 Family)

**No Tax Returns Required**

Our program offers financing for purchasing  a property  as well as the construction funds to fix/rehab the property.  Up to 90% acquisition/purchase  (10% down payment) and financing up to 100% of the construction (as long as the total loan amount does not exceed 75% of the "After Repair Value"). 

Minimum Credit Score:

600 Minimum Mid-FICO Score. 

Property Types / Lending Area:

Non Owner Occupied 1 to 4 Family Investment Properties.

Lending Area: Nationwide.

Terms:

12 Months Initial Term / No Prepayment Penalties / Lending Nationwide.

(A): $100,000 to $1.25 Million = Up to 90% LTV Purchase & 100%  Rehab.

(B): $1.25 Million to $7.5 Million + = Up to 85% LTV Purchase & 100% Rehab.

(Maximum After Repair Value = 75% to 80%).

Rates:

We Offer The Most Competitive Rates Within Our Industry. 

MIXED USE FIX & FLIP PROGRAM

(Up To 85% Purchase & 100% Toward Rehab / Mixed Use)

**No Tax Returns Required**

Our Program offers financing for purchasing a property as well as the construction funds to fix/rehab the property. Up to 85% acquisition/purchase (15% down payment) and financing up to 100% of the construction (as long as the total loan amount does not exceed 75% of the "After Repair Value"). Foreign National borrower's are welcome to apply under this program. 

Minimum Credit Score:

600 Minimum Mid-FICO Score. 

Property Types / Lending Area:

Non Owner Occupied Mixed Use Properties.

Lending Area: Nationwide.

Terms:

12 Months With Option To Extend / No Pre-Pay Penalty/ Lending Nationwide.

Up to $1.25 Million (Over $1.25 Million, Please See Our "Large Balance Loan Programs").

Up To 85% LTV Purchase & Up To 100% Toward Rehab Funds.

(Maximum After Repair Value = 75% to 80%).

Rates:

We Offer The Most Competitive Rates Within Our Industry. 

GROUND UP NEW CONSTRUCTION PROGRAM

(Program For The "Advanced Investor" / 1-4 Family)

**No Tax Returns Required**

This loan program is for the "Seasoned Investor" with a proven track record of 3 or more prior completed ground up construction projects. 

Minimum Credit Score:

600 Minimum Mid-FICO Score. 

Property Types / Lending Area:

1 to 4 Family Investment Properties.

Lending Area: New York Only (Please contact us from time to time as we may expand this program and add additional  states).

Terms / Rate:

12 to 24 months.

Loan Amount: $250,000 to $2.5 Million.

Up to 75% of construction cost's.

Property must be "free & clear". (No existing mortgage liens).

We offer the most competitive rates within our industry.

BUY & HOLD RENTAL PROGRAM

(Up To 80% Loan To Value / No Income Documentation, Program For 1-4 Family Investment Only)

This loan program is for the borrower/investor that either is seeking to purchase and retain a rental investment property or is seeking to refinance a rental investment property for "Rate & Term - 30 Year Loan Term" Or "Refinance Cash Out Purposes".


Under this loan program, there is only a "One Month Seasoning Requirement", which means that after purchasing your investment property, you would be allowed to refinance out only after one month and at the current market appraised value. You would not have to wait 12 months as is the case with other lenders.

Loan Amounts:

$100,000 to $2.5 Million. 

Loan Purpose & Lending Areas:

Purchase, Refinance, (Rate / Term and Cash Out).

Lending Areas: All States Except: AK,AZ,DE,HI,ID,MN,NE,NV,ND,OR,RI,SD,VT.

The following are the only states where property must be in an LLC or Corp.: GA,NY,MA,VA.

Minimum Credit Score:

Minimum 640 mid-fico score. 

Property Types:

Non-Owner Occupied 1 to 4 Family Investment / Rental. 

Loan To Value:

Up to 80% of Purchase Price / As-Is Value.

Up to 80% Refinance No Cash Out.

Up to 75% Refinance With Cash Out.

Interest Rate / Terms:

Rates starting at 5.99%.

(Term Option #1): 30 Year Fixed Rate

(Term Option #2): 5/1 ARM - 30 Year Loan Term

(Term Option #3): 7/1 ARM - 30 Year Loan Term

1st Access Capital Advantages:

No Income Documentation, 30 Year Fixed Rate Option, Only 1 Month Seasoning After Purchase or Refinance, Up to 80% LTV, Rates as Low as 5.99%. 

LOAN REQUEST FORM