Types:  Fix-N-Flip, Buy-N-Hold, Blanket


{Fix-N-Flip Line of Credit}

  • Loan Purpose: Buy, rehab and sell
  • Interest Rate: 6.99% and up
  • Loan Amount: $100k -$2.5MM
  • Term: 12 months with optional extensions
  • Borrower Type:LLC, LLP, Corp, Individual (restrictions apply)
  • Max LTV: 75% ARV (After Repair Value)
  • Max LTC (Cost is purchase amount): 90%
  • LTC vs. LTV: which ever is less will be used
  • Rehab/Construction Financing:  up to 95%; max 75% ARV
  • Property Types: Non-Owner Occupied on SFR, 2-4 units, Condos, Town homes, Multifamily 5-20 units)


{Buy-N-Hold - single asset}

  • Loan Purpose: SFR Purchase, Refinance or take Cash Out
  • Interest Rate: 6.50% - 9.00%
  • Loan Amount: $100k -$1.5MM
  • Minimum Property Value: $134k
  • Term: 30- year FIXED-RATE, FULL AMORTIZATION
  • Borrower Type: LLC or Individual (State restrictions apply)
  • Max LTV: Time Owned Constraint
  1. < 90: 80% LTC
  2. > 90 days: Full Appraised value
  • Max LTC (Cost is purchase price amount):
  1. < 90 days: 80% LTC
  2. > 90 days: Full appraised value
  • LTC vs. LTV: which ever is less will be used
  1. Purchase: Use lesser of LTV or LTC calculation
  2. Refinance: Use LTC until property has seasoned for 90 days, then use LTV
  • Cash Flow Requirement:
  1. $150k Value: Max 70% Property Debt-to-Income Ratio (PDTI)
  2. > $150k value: Max 85% PDTI
  • Property Types: Non-Owner Occupied on SFR, 2-4 units, Condos, Town homes


{Portfolio - must have 3+ properties}

  • Loan Purpose: Take cash out of an existing portfolio to buy more properties, or to Refinance or consolidate multiple rental loans
  • Interest Rate: 5.50% - 7.50%
  • Loan Amount: $700k +
  • Minimum Property Value: $134k; $30k Multifamily
  • Term: 5 or 10 years w/ balloon due. Option to amortize to 30 yrs with interest-only option available
  • Borrower Type: LLC 
  • Max LTV: 75% LTV for fully amortized loans; 70% for Interest Only
  • Max LTC (Time owned constraint): 
  • < 90 days: 80% LTC
  • > 90 days: Full appraised value
  • LTC vs. LTV: which ever is less will be used
  • Purchase: Use lesser of LTV or LTC calculation
  • Refinance: Use LTC until property has seasoned for 90 days, then use LTV
  • Cash Flow Requirement: Fully amortized Debt Service 1.15; I/O = 1.20x
  • Property Types: Non O/O on SFR, 2-4 units, Condos, Town homes, Multifamily.

​​* NOTE: Min. Credit Score is: 620 fix-n-flip; 660 buy-n-hold

​* Application fees will be applied

* New 15 year F-n-F loan. 8.99-11.99% 3-4 points. 80% purchase + up to 100% rehab. Limited to FL, MD, WA, NY, NJ, MO, OH, AK, TX and VA

General Contact Form

Investor Loan

Copyright 2018 Capital Palm Partners, Inc. All rights reserved.

Tel: 1-407-278-1466​

Capital Palm Partners, Inc.

8546 Palm Parkway, Ste 240,  Orlando, FL 32836

T:) 407-278-1466  |  Email: corporate@capitalpalm.com​​