Working Capital Loans for Owner-Builders / Investors
InvestmentCapital.Loan | Traditional Bank (A Construction Loan) |
|
---|---|---|
Loan to Value: | 100% $15,000 – $350,000 |
70 – 80% of appraised value |
Loan Amount Eligibility: | 2.5 X Annual Income | Varies |
Income to Debt Ratio: | 40% | 40% |
Out of Pocket: | None | 20 – 30% of appraised value |
Fees Paid Out: | Lender and broker fees paid out of loan proceeds |
Lender and broker fees paid out of loan proceeds |
Restrictions: | No Collections General Contractor NOT Required |
Required General Contractor |
Terms: | P&I loan (36 – 120 mo.) No prepayment penalty |
12-18 months Interest only construction loan |
Credit Report: | Soft Credit Report pulled from Experian (Min. 720 FICA score) |
Full Credit Report from 3 credit bureaus |
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