All posts by Beau Eckstein
Short-Term Bridge Financing
Emerge Lending Group offers short-term bridge financing options for real estate investors for a multitude of non-owner occupied properties. Cross-collateralization options are available. A six-month extension is available for our 18-month bridge loan (a 2% fee will apply).
BASIC LOAN CRITERIA
Term
12 Months & 18 Months
Loan Amount
$50k to $2.5M+
LTV
Up to 85% of the Purchase Price;
Up to 70% Refinance;
Up to 65% Cash-Out
Property Types
1-4 Family & Multi-Family Non-Owner Occupied Real
Estate; Condos; Townhomes; 5+ Unit Apartments; Mixed-
Use Properties
FICO
600 minimum
Emerge Lending Group specializes in working with business owners and real estate investors.
We lend on real estate in 45 States. For our owner-occupied program that is for California properties only at this time.
We offer 1st and 2nd trust deeds. The important consideration is that the use of funds are for your business and not for personal use on our owner-occupied private money lending programs.
We offer many lending products here is a list of some of the loan options.
- Fix & Flip
- Bridge loans
- 2nd TD construction loans
- Consumer bridge Loans
- Ground-up construction loans
- 30-year rental loans
- Unsecured lines of credit & term loans
- Cross liens
- 2nd TD
- Owner-occupied business loans 1st & 2nd TD
Property Types:
- Single Family
- Multifamily
- SFR rental portfolio
- Land
- Commercial
To find out more about Beau Eckstein and Emerge Lending Group please call Beau at 925.852.8261.
You can also reach Beau Eckstein directly at Beau@emergelending.com
Long-Term Rental Loans
Emerge Lending Group is committing to your future investments with our Long-Term Rental loan program. This program offers a 30-year term and rates starting at 5.99% to ensure that our customers have true long-term financing options.
BASIC LOAN CRITERIA
Term
30 Years
Loan Amount
$75k to $1M
LTV
Purchase – Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance – Up to 75% of the As-Is Value
Cash-Out – Up to 75% of the As-Is Value
Property Types
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
FICO
660 Minimum
Property Value
”As-Is” Appraised Value Must Be Greater Than $100k
Property Debt-To-Income Ratio (PDTI)
75% and 85%, based on property value
Emerge Lending Group specializes in working with business owners and real estate investors.
We lend on real estate in 45 States. For our owner-occupied program that is for California properties only at this time.
We offer 1st and 2nd trust deeds. The important consideration is that the use of funds are for your business and not for personal use on our owner-occupied private money lending programs.
We offer many lending products here is a list of some of the loan options.
• Fix & Flip
• Bridge loans
• 2nd TD construction loans
• Consumer bridge Loans
• Ground-up construction loans
• 30-year rental loans
• Unsecured lines of credit & term loans
• Cross liens
• 2nd TD
• Owner-occupied business loans 1st & 2nd TD
Property Types:
• Single Family
• Multifamily
• SFR rental portfolio
• Land
• Commercial
To find out more about Beau Eckstein and Emerge Lending Group please call Beau at 925.852.8261.
You can also reach Beau Eckstein directly at Beau@emergelending.com
See us on Instagram: https://www.instagram.com/emergelending/
Follow us on Facebook: https://www.facebook.com/Emerge-Lending-Group-325566501136117/
We're on Bigger Pockets, too: https://www.biggerpockets.com/co/emerge-lending
Fix & Flip Exposure Line of Credit
Fix & Flip Exposure Line of Credit
Emerge Lending Group offers an exposure line with streamlined approval for the After-Repair Value Loan Program with guaranteed leverage and fixed rates. This product is available to investors with a portfolio of 10 or more flips per year.
BASIC LOAN CRITERIA
Term:
12 Month Revolving Investment Periods
Exposure Limit:
$1M – $10M
LTV:
Up to 90% Loan-to-Cost;
Up to 80% of the As-Is Value;
Not to Exceed 75% of the ARV
Property Types:
Non-owner occupied 1-4 Family Residential Real
Estate; Condos; Townhomes; Multi-Families (5+);
Mixed-Use Properties
FICO
660 minimum
Emerge Lending Group specializes in working with business owners and real estate investors.
We lend on real estate in 45 States. For our owner-occupied program that is for California properties only at this time.
We offer 1st and 2nd trust deeds. The important consideration is that the use of funds are for your business and not for personal use on our owner-occupied private money lending programs.
We offer many lending products here is a list of some of the loan options.
• Fix & Flip
• Bridge loans
• 2nd TD construction loans
• Consumer bridge Loans
• Ground-up construction loans
• 30-year rental loans
• Unsecured lines of credit & term loans
• Cross liens
• 2nd TD
• Owner-occupied business loans 1st & 2nd TD
Property Types:
• Single Family
• Multifamily
• SFR rental portfolio
• Land
• Commercial
To find out more about Beau Eckstein and Emerge Lending Group please call Beau at 925.852.8261.
You can also reach Beau Eckstein directly at Beau@emergelending.com
Loan Program: Fix and Flip
Emerge lending group offers loan programs for your real estate needs.
Emerge Lending Group’s ARV program offers to finance for up to 90% of the purchase price + up to 100% of the renovation costs, not to exceed 75% of the after repair value. Prior real estate investing experience is preferred but this program is available to first-time investors.
BASIC LOAN CRITERIA
Term: 12 Months
Loan Amount: $50k to $2.5M+
LTV:
Up to 90% of the Purchase Price +
100% of Renovation Costs
Not to exceed 75% of the ARV
Property Types:
Non-owner occupied 1-4 Family Residential Real Estate; Condos; Townhomes; Multi-Families (5+); Mixed-Use Properties
FICO: 600 minimum
Emerge Lending Group specializes in working with business owners and real estate investors.
We lend on real estate in 45 States. For our owner-occupied program that is for California properties only at this time.
We offer 1st and 2nd trust deeds. The important consideration is that the use of funds are for your business and not for personal use on our owner-occupied private money lending programs.
We offer many lending products here is a list of some of the loan options.
• Fix & Flip
• Bridge loans
• 2nd TD construction loans
• Consumer bridge Loans
• Ground-up construction loans
• 30-year rental loans
• Unsecured lines of credit & term loans
• Cross liens
• 2nd TD
• Owner occupied business loans 1st & 2nd TD
Property Types:
• Single Family
• Multifamily
• SFR rental portfolio
• Land
• Commercial
To find out more about Beau Eckstein and Emerge Lending Group please visit https://emergelending.com/ or call 925.852.8261.
You can also reach Beau Eckstein directly at Beau@emergelending.com
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Fix & Flip Deals
Can you really buy a property with 100% financing? Yep! Definitely. Listen to Beau as he gives you a walk through on how to get a 100% financed Fix and Flip Deal.
PRIVATE MONEY LENDING TIP: Beau talks about the capital stack and the how-to on structuring a 100% Financed Fix and Flip Deals.
To achieve a 100% Financed Fix and Flip Deal, you got to first mortgage at 70% of the purchase price and your equity partner brings in 30%. Voila, you get a 100% fix and flip deal!