Date

Hard Money Lending | 3 Options | Valor Lending Group | Typically without an appraisal**

Are you buying a new investment property?

Are you buying a new investment property and need to pull cash out of other real estate owned for the down payment?

Do you need cash out from a current property owned to pay off a business purpose?

Do you need cash out from a current investment property to improve that investment property?

*Valor Bridge Owner Occupied:

Do you need to pull cash out of your primary residence for a business purpose?

• Property being used as the borrower primary residence
• terms of up to 11 months
• Max LTV of 72% on 1st TD | Max CLTV 65% on 2nd TD
• No Prepayment Penalty
• Interest Only starting in the 9s

*Owner occupied for California Properties ONLY

Valor Investment Property | Non owner occupied:

Property being used as the borrowers investment property

• Terms 1 to 2 year
• Max LTV of 80% | note: Are you buying below market value? We can use the higher “as is” value with as little as 10% down!
• No Prepayment Penalty
• Interest Only starting in the 7s

Valor Cross- Collateral Loan:

Do you have a portfolio with properties that have available equity? 

• Cross for 100% financing  when crossing other real estate owned at 65% CLT for 100% Financing
• Terms of 1-2 years
• Max CLTV of 65%
• No Prepayment Penalty
• Interest Only starting in the 9s

**no Appraisal Subject to lender discretion on a case by case basis

Needs for Quote (email Olivia the following):

1. Property Address:
2. Purchase Price (for Purchase):
3. Current “as is” Value:
4. Current Balance (for Refinance):
5. Current Monthly Rents (confirm if long term or short term Airbnb leases):
6. Monthly Taxes and Insurance:
7. Approx Credit Score:
8. Vesting in and Entity or Individual name:

Other Programs Available:

• Hard Money Loans
• Fix and Flip Loans
• Save your Deal | We Save Deals

Please give me a call if you have any question and we look forward to the opportunity to serve you!