FIX AND FLIP

After Repair Value Loan Criteria

- Collateral: Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties

- Loan Amount:

o $50k – $100MM (above $3M check with US) for 1-4 Family, Condos, & Townhomes

o $250k – $100MM for multi-family (5+)/Mixed-Use

- Term: 12 months (6-Month Extension Available)

- LTV:

o Purchase (assumes experienced, but first timers welcome):

▪ Stabilized: Up to 75% of Purchase Price

▪ Light Rehab: Up to 92.5% of Purchase Price + 100% of Renovation Costs; Not to Exceed 75% of the ARV, loan capped at 92.5% total loan to cost (purchase + rehab)

▪ Moderate Rehab: Up to 90% of Purchase Price + 100% of Renovation Costs; Not to Exceed 72.5% of the ARV, loan capped at 92.5% total

loan to cost (purchase + rehab)

▪ Heavy Rehab: Up to 80% of Purchase Price + 100% of Renovation

Costs: Not to Exceed 60% of the ARV, loan capped at 90% total loan to cost (purchase + rehab)

o Refinance: Up to 70% As-Is + 100% of Renovation Costs; Not to Exceed 60% of the ARV

o Cash-Out: Up to 60% As-Is + 100% of Renovation Costs; Not to Exceed 55% of the ARV

- Rates: Starting at 9.99%

- Minimum ARV $100,000, or as is value if no rehab

- Credit Score: Ideally one score of at least 660, none below 620

LONG TERM RENTALS

- Collateral: Non-owner Occupied 1-4 Family Residential Properties; Condos; Townhomes; Portfolios, and short-term rentals

- Term: 30 Years

- Amortization Options: 30-Year Fixed; Interest only, and ARMs

- Loan Amount: $55-$100MM

- LTV for 1–4-unit properties:

o Purchase: Up to 80% of purchase price (700+ score)

o Refinance: Up to 80% of the As Is Value (700+ score)

o Cash-Out: Up to 75% of the As Is Value (700+ score)

- Rate: As low as 5.6833% for 1-4 family properties with buydown - Credit Score: 660 minimum

- Prepayment Penalty: 0-5 years, shorter prepay periods will have higher rates

- Minimum DSCR of 1.05 for credit of 720+, 1.10 for credit of 700+, 1.15 for credit of 680+

Long term Rental for Multi-family properties

- Collateral: 5–9-unit buildings

- Term: 30 years

- Amortization Options: Hybrid ARM 5/1, 7/1, or 10/1; 30-Year Fixed; 5-, 7-, or 10-year Interest-Only

- Loan Amount: $250,000-$100MM

- LTV:

o Purchase: Up to 70% of purchase price (700+ score with experience) o Refinance: Up to 70% of the As Is Value (700+ score with experience) o Cash-Out: Up to 65% of the As Is Value (700+ score with experience) - Rate: As low as 6.00% with buydown

- Credit score: 680 Minimum

- Prepayment Penalty: 3-5 years, shorter prepay periods will have higher rates

- Minimum DSCR: 1.20

GROUND UP CONSTRUCTION

Ground Up Construction

- Collateral: Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Apartment buildings.

- $100K-$100M loan sizes

- Term – 12, 18, or 24 months

- Initial advance up to 75% of as is value

- Max loan amount up to 75% of the ARV or 90% LTC

- Minimum property value $150K (based on ARV)

- Minimum Credit score 650, US Citizens only

- Rates as low as 10.99%.

Vortex Net Marketing Pricing Sheet

Private Money Family Office Lending

● Loan Amounts: Up to $20 Billion

● Minimum Loan: $50,000

● Loan Types: Residential, Commercial & Development Deals, Business Loans

Interest Rates:

● Commercial and Development Deals Over $50 Million: 4.5%

Required Documents for Real Estate Loans: Fix and Flips, Land, Ground up,

Refinance, and Purchase

1. Credit Report

2. Resume

3. Three Months of Bank Statements

4. Executive Summary

5. Project Details

6. Copy of Three FICO Scores

Additional Information:

● No credit check until loan terms are agreed upon.

● Private Money Family Office financing solutions tailored to large-scale real estate investments.

For further inquiries, please contact Vortex Net Marketing.