National Private Lending (312) 724-6302 #FIXandFLIPLoans, #BRIDGELoans, #NewConstructionLoans, and #RentalLoans & #PortfolioRentalLoans #LinesofCredit #CRE
Chicago IL
Joined October 2021
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Funding your Real Estate Deals, Real Estate Talk with @ChristianAArce Talking about how to fund your real estate business bit.ly/reifinance002 Left pointing backhand index #realestateinvesting #lending #fixandflip #rental #business #businesscredit #landlord
Lite doc or no doc still needs a property that produces.
Commercial purchase:
- $500K minimum, no maximum
- Up to 80% LTV
- Full, lite or no doc
- Non-recourse available
Buy the income you can underwrite.
#CommercialRealEstate #IncomeProperty #PrivateLending
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Expansion is a construction-and-lease-up problem with its own budget.
Storage and warehouse financing:
- Buy, build or expand
- Up to $5M
- Up to 85% LTV
- Interest-only payments
Underwrite occupancy, not just square footage.
#SelfStorage #Warehouse #PrivateLending
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A line of credit is for deal flow, not for a file that is not ready.
Real Estate Line of Credit:
- SFR to 4 units
- 700 average FICO
- Foreign nationals welcome, passport only
Each draw still has to stand on its own numbers.
#RELOC #RealEstateInvesting #PrivateLending
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Plan the refinance when you plan the build, not after occupancy.
New Construction Loan Refi:
- 1-year term, up to 18 months
- Up to 70% cash-out
- 660 min credit
Finish the house, then put the equity back to work.
#NewConstruction #CashOutRefinance #PrivateLending
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A U.S. tax return is not the only path in. The leases still have to carry the loan.
DSCR Foreign National:
- $100K to $2M
- Min. DSCR 1.00
- Up to 65% LTV
In-place rent and a real manager matter more than distance.
#ForeignNational #DSCRLoans #PrivateLending
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5 to 8 units, qualified on the building's cash flow.
DSCR Multifamily:
- $250K to $3M
- Min. DSCR 1.00
- Up to 75% LTV
- 700 min credit
Bring today's rent roll.
#Multifamily #DSCRLoans #PrivateLending
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Two to ten rentals. One loan. Same state.
DSCR Portfolio:
- $400K to $5M
- Min. DSCR 1.10
- Up to 80% LTV on purchase
- 700 min credit
Clean the rent roll first.
#DSCRLoans #RentalPortfolio #PrivateLending
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Bridge loans: 12-18 months, interest-only on draws, up to 80% of purchase, 660 min credit, SFR through commercial. Know the takeout before you close. Short-term capital for a defined gap, not permanent debt.
#BridgeLoans #PrivateLending
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Fix & Flip: 12-24 months. Experienced investors up to 100% with 680+ credit. First deal: 80% of purchase + 100% of renovation, 90% with 740+. No income docs. SFR and 1-4. Start with the sale, then the offer.
#FixAndFlip #PrivateLending
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DSCR rental loans qualify on the property's rent versus its payment, not a W-2. 30-year terms, up to 80% LTV on purchase, 70-75% cash-out, 660 min credit (680 Cook County). Clean leases and entity docs early.
#DSCRLoans #RentalProperty #PrivateLending
Today we thank every veteran who served, and every family who stood with them. Your service protects the freedoms we build on. Grateful, always, for those who wore the uniform — and for veterans who keep building after they come home.
#VeteransDay #ThankYouVeterans
Buy. Renovate. Rent. Refinance. Repeat.
Fix & Rent financing:
- 80% of purchase + 100% of renovation
- Up to 90% for experienced buyers
- 12 to 18 months
- $75K to $10M
- 660 min credit
Then refinance into a 30-yr DSCR loan.
#BRRRR #RealEstateInvesting #PrivateLending
Condotel? Short-term rental? Non-warrantable condo?
DSCR Expanded:
- Min DSCR 0.80
- Up to 80% LTV purchase
- 30 or 40-yr fixed
- 660 min credit
- $75K to $3M
- No experience required
Rentals that don't fit the standard box.
#DSCRLoans #ShortTermRental #PrivateLending
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Build it from the ground up.
Residential construction financing:
- 100% of construction costs
- 75% to 90% LTC
- $100K to $50M
- Up to 20 units
- Land advance up to 75%
- 12 to 24 months
Price the path to the CO first.
#NewConstruction #RealEstateInvesting #PrivateLending
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Ready for more doors? Multifamily financing for 5 to 30 unit investment properties:
- $350K to $5M
- Up to 75% LTV
- DSCR as low as 1.20x by market
- 700 min credit
- 30-yr fixed or ARM
Underwrite the real rent roll.
#Multifamily #RealEstateInvesting #PrivateLending
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Small commercial: $100K-$2M, purchase up to 80% LTV, refinance 75%, 660 min credit, investor DSCR from 1.15x, 75% occupancy over 90 days. Income and occupancy first. Then leverage.
#CommercialRealEstate #PrivateLending
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Build or buy? Ground-up: 100% of construction, 75-90% LTC, up to 20 units. Multifamily 5-30 units: up to 75% LTV, 30-year fixed or ARM. One trades time for basis, the other buys income day one.
#NewConstruction #Multifamily
Flip or hold? Run both exits before you offer. Fix & Flip: up to 100% for experienced investors, 12-24 months. DSCR Rental: 30-year term, up to 80% LTV, qualified on property cash flow.
#FixAndFlip #DSCRLoans
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Foundry Park: $3B, 31 acres on the old Lincoln Yards site. First phase is 709 homes, a hotel and 600 ft of riverwalk, targeting 2028-2029. New supply means new rental competition. Buy right.
#ChicagoRealEstate #PrivateLending
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The 1901 Project: $7B and 55+ acres around the United Center. Phase one is a 6,000-seat music hall and hotel, targeting 2028-2029. Not housing, so watch existing 2-4 units and mixed-use nearby.
#ChicagoRealEstate #PrivateLending
