Lending Programs
for Real Estate Investors
As a nationwide lender, our team of seasoned Real Estate Investors is dedicated to helping you meet your financing needs. Our advanced technology streamlines the loan process, making it as fast and predictable as funding your investments with cash.
Our Premire product
Investor Fix & Flip
Finance up to 92.5% loan to cost
Single-Family & Multi-Family Properties
No Prepayment Penalties
Close in as little as 5 business days
Our product offerings
Choose Your Loan
CONSTRUCTION
Finance up to 85% loan to cost; 65% for the value after completion
Single-Family, Townhomes & ADUs
No Prepayment Penalty
Withdraw funds in as little as 1 business day
short-term rental
Finance up to 75% loan to value; 70% for cash-out
Single-Family & Multi-Family Properties
Low or No Prepayment Penalty Options
Must be listed on Airbnb, VRBO, or similar
DSCR/RENTALS
Finance up to 85% loan to value; 75% for cash-out
Single-Family & Multi-Family Properties
Low or No Prepayment Penalty Options
Minimum DSCR 0.75, long-term established tenants
BRIDGE
Finance up to 75% loan to value; 65% for cash-out
Single-family & multifamily properties
No Prepayment Penalties
Multi-year bridge loan
RENTAL PORTFOLIOS
Finance up to 75% loan to value; 70% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Minimum of 3 properties
BANK STATEMENT
Finance up to 80% loan to value; 75% for cash-out
30-year term with competitive pricing
Low or No Prepayment Penalty options
Qualify based on Statement Analysis
Eligibility Criteria
Value-add financing (Fix & Flip)
Credit Score
680 minimum FICO and no serious delinquencies in the past 2 years.
Max Loan Ratios
Up to 90% Loan to cost and 75% Loan to after-repair value (depending on experience)
Loan Term
12 – 18 Months
Prepay Penalty
None
Loan Amount
$100,000 – $1,500,000 per property; minimum $50,000/unit on 2+ units
Property Type
Single family, 2-4 unit, or 5-8 unit. Manufactured housing and mixed use not eligible.
Property Value
As-is value (or purchase price if applicable) greater than $100,000
Purpose
Short-term mortgages to buy and renovate properties
Location
Property cannot be rural. MSA population must be greater than 75,000.
Located in states outside of AK, HI, NV, ND, SD, WY.
Minimum Liquidity
Down payment, closing costs, three months of mortgage payments, and 15% of renovation budget; $25,000 minimum.
Eligibility Criteria
Long Term Rental Financing
Credit Score
680 minimum FICO and no serious delinquencies in the past 2 years.
Minimum DSCR
Minimum debt service coverage ratio of 1.10.
Max LTV
Up to 80% for purchase or refinance, 75% for cash out refinance.
Loan Term
30 years
Loan Amount
$100,000 – $1,500,000 per property; minimum $50,000/unit on 2+ units
Property Value
As-is value (or purchase price if applicable) greater than $100,000
Property Type
Single family, 2-4 unit, or 5-8 unit. Manufactured housing and mixed use not eligible.
Prepay Penalty
5-yr step-down (5-4-3-2-1); can be reduced to as low as 2 years
Location
Property cannot be rural. MSA population must be greater than 75,000. Located in states outside of AK, HI, NV, ND, SD, WY.
Minimum Liquidity
Down payment, closing costs, six months of mortgage payments.
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JNDInvestorLoans.com is a division of JND Family Investments LLC. This website is not endorsed by, directly affiliated with, maintained, authorized, or sponsored by Facebook or Google. This website contains affiliate links to mortgages offered in partnership with Vontive, NMLS ID 1716495 (“Lender”). This is not a commitment to extend mortgage credit. Mortgage products, programs, eligibility criteria, pricing, and terms are subject to change without notice and at the sole discretion of the lender. All data and information is provided “as is” for informational purposes, may not be accurate, and may be subject to change without notice. Unless otherwise communicated in writing, all data and information Lender provides is “as is” without any warranty whatsoever. Additional disclosures and information, including state licensing of Lender, is available at www.vontive.com., our affiliate association means we may earn a commission if you click on a link and make a purchase. This comes at no additional cost to you. We only recommend products and services that we trust and believe will add value to our website visitors. Your support through these links helps us maintain the site and continue providing valuable services.