As the market changes, so do we! EZ Group Financial continues to adapt to the ever-changing rental market. With our newly developed bridge financing options on properties nationwide, our team will find the best option to reach your investment goals.
Key Facts About Our Stabilized Bridge
- As-is appraisal only, no ARV
- For 1-4 unit properties, SFR, Townhomes, and Condos
- Minimum 660 FICO
- Foreign Nationals eligible
- Minimal experience required
- 12- or 18-month (case-by-case) property loan terms Stabilized Bridge
| Stabilized Bridge - No DSCR | Stabilized Bridge - DSCR Exit | |
|---|---|---|
|
MAX LTC
|
85% of purchase price + verified completed capex if property owned <6 months |
85% of purchase price + verified completed capex if property owned <6 months |
|
MAX LTV
|
700 FICO: 70% if property owned >6 months 660-699 FICO: 65% if property owned >6 months |
70% LTV |
|
MIN DSCR |
N/A |
1.10 Exit DSCR based on lower of in place rent and market rent |
|
MIN FICO
|
660
|
660
|
|
PURPOSE |
To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale |
To provide bridge financing on a property that is currently rented or soon to be rented, but is not yet ready for permanent financing
|
|
LOAN AMOUNT |
Min: $75,000 Max: $1,500,000 / larger loans allowed at lender discretion |
Min: $75,000 Max: $1,000,000 for SFR, $2,000,000 for 2-4 unit / larger loans allowed at lender discretion |
|
TERM LENGTH
|
12 Months, up to 18 at lender discretion |
12 Months, up to 18 at lender discretion |
|
PROPERTY TYPES |
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos |
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos |
|
PROPERTY CONDITION |
C2 or better |
C4 or better with no deferred maintenance |
|
COLLATERAL RESTRICTIONS |
Property value within 90th percentile of market No rural, exotic, or unique properties |
No rural, exotic, or unique properties |
OVER $8 BILLION IN LOANS FOR REAL ESTATE INVESTORS
Why Choose EZ Financial Group Stabilized Bridge Loan?
- Stabilized bridge loans offer rapid capital access, enabling swift financing for investors, particularly in time-sensitive scenarios where traditional options are limited or entail lengthy approval processes.
- By securing a stabilized bridge loan, investors can capitalize on exclusive investment prospects unavailable through traditional financing. This increases the potential for higher investment returns, particularly if the property’s value surges during the stabilization phase.
- Stabilized bridge loans offer flexible repayment terms, enabling investors to customize the loan structure to their unique requirements. This can involve interest-only payments or the ability to postpone principal payments, alleviating financial strain and enhancing cash flow throughout the stabilization phase.
GET STARTED
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