Inflow Capital understands what real estate investors need
to succeed in today’s competitive marketplace.
Quick Turnaround Time
No Upfront Fees
Multi-Financing Products
Direct Lender
Renovation Loans
This loan product is a great short-term financing solution for investors looking to purchase and rehab a property in disrepair, with the ultimate objective to sell or refinance upon completion.
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Property Types: Single Family, Condo & Townhouse, 2-4 Units, Multifamily, Commercial
Loan Amounts of $100,000 – $3,000,000
Loan Term of 12-month
600+ Credit Score
Up to 90% Loan to Cost
Small Balance Commercial Loans
The Small Balance program is a great longer-term financing solution for seasoned real estate investors looking to purchase or refinance income-producing commercial properties without the headaches of traditional bank financing.
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Property Types: Multifamily (5+ Units), Mixed Use, Retail, Office & Light Industrial
Loan Amounts of $200,000 - $5,000,000
Loan Terms of 3, 5, 7, 10 year fixed with up to 30 year amortization
600+ Credit Score
Debt Coverage minimum of 1.20X
Bridge Loans
Our bridge loan program is a great short-term financing solution for investors looking for additional time to stabilize a property for an upcoming refinance or sale.
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Property Types: Multifamily, Mixed Use, Retail, Office, Light Industrial & Investment (1-4 Units)
Loan Amounts of $200,000 – $5,000,000
Loan Term of 12-18 months
600+ Credit Score
Debt Coverage minimum of 1.20X
Ability to refinance into small balance commercial program
FAQ’s
What’s is your loan process?
Why should I use a private lender?
Private lenders provide investors flexibility and creative structures that traditional financing cannot offer. Additionally, private lenders can analyze and fund loans much faster than traditional financing without a drawn-out, cumbersome process.
How do you structure your renovation loans? What is loan-to-cost?
Inflow Capital will lend up to 80% of the total cost of a renovation product (change to project). The total cost represents the purchase price and the rehab costs associated with the project. The Loan to cost must be no higher than 70% of the After-Repair-Value (ARV) of the property.
Do you lend to individuals?
Inflow Capital loans are commercial transactions, so they are not for individuals. Our loans are for real estate investment companies.
Do you provide proof of funds?
Inflow Capital will evaluate proof of funds on a case by case basis if the property is within Inflow Capital lending criteria and a fully completed loan application is submitted. Inflow Capital does not provide blanket proof of funds. Additionally, Inflow Capital can only evaluate deals that are under contract.
Forms & Documents
Renovation
For initial review, please submit the completed loan application, valid purchase and sale agreement and a recent credit report.
Loan Application
IFC’s loan application for renovation loans is the primary document we use to evaluate and underwrite your project. Make sure to complete all sections with current information for each potential loan.
Scope of Work
For all renovation loans, the scope of work is a critical document to understanding the renovation budget for your project. Make sure to complete all sections to ensure a full overview of the current status.
REO Schedule
Please provide your Real Estate Owned Schedule to complete an overview of your real estate experience and holdings. Make sure to complete all relevant sections with up to date information for your current potential loan.
Small Balance/Bridge
For all Small Balance and Bridge loans, please provide a completed loan application, purchase & sale agreement (if purchase) and a current REO Schedule.
Loan Application
IFC’s loan application is designed for Small Balance and Bridge loans on your real estate properties . Make sure to complete all sections with current information for each potential loan.
REO Schedule
Please provide your Real Estate Owned Schedule to complete an overview of your real estate experience and holdings. Make sure to complete all relevant sections with up to date information.
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