Loans Programs for Every Real Estate Investor and Every Project
Whether you're buying, renovating, or developing, Express Capital Financing has a loan program customized to fit your unique needs. We give you the best loan for your real estate investment goals.
Explore our diverse loan offerings and experience the difference with Express Capital Financing. We believe in empowering investors with the funding they need to take their dreams from the drawing board all the way through to reality. Whether you're looking for competitive Bank Rates, customized DSCR solutions, hassle-free Lite Doc Mortgages, or efficient Bridge Loans ā we offer tailored loan programs to fit every situation and budget. Our nationwide coverage, transparent processes, and dedicated support make us your perfect lending partner.
Lending Made Simple
When you need to finance a real estate project quickly, Express Capital Financing offers the flexibility and leverage a traditional lender can't match.
- Fast and reliable funding
- Dedicated, expert support
- Seamless transparency
- Loans from $150K to $50M
Our Loan Programs
We offer a comprehensive suite of loan programs with competitive rates, high leverage, and personalized structuresāall backed by our trusted expertise and fast funding solutions.
Revolutionize your fix and flip strategy with Express Capital Financing's tailored loan solutions, designed specifically for 1-4 unit properties that are not owner-occupied. Benefit from our flexible terms and experience a hassle-free process:
- No Prepayment Penalty: Enjoy the freedom to settle your loan without any additional fees.
- Access to Rehab Funds: Whether your property requires extensive rehab or is turnkey, our loans cover your needs.
- Quicker Closings: Experience swift transactions with the potential to close in as little as 5-7 days.
- Higher Leverage (LTV): Maximize your flexibility with higher leverage, giving you more financial maneuverability.
- Occupancy Flexibility: Our loans cater to both vacant and occupied properties.
- Cash-Out Opportunities: Leverage the BRRR strategy to access your initial down payment, minimizing your capital exposure.
- Experience-Based Approval: Our loans prioritize your experience rather than your credit, providing a more inclusive approach to financing.
Our ground-up construction loans are ideal for real estate investors looking to develop 1-4 unit properties or 5+ units. Specifically designed for non-owner-occupied projects, these loans always come with dedicated construction funds, making them perfect for those seeking quick financing and control over their construction projects.
- No Prepayment Penalty: Enjoy the flexibility to manage your investment on your terms.
- Access Construction Funds: Always have the necessary funds to bring your vision to life.
- Quicker Closings: Accelerate your project with loans closing in as little as 5-7 days.
- High Leverage (LTV): Maximize your investment with favorable leverage.
- Versatility for Property Types: Ideal for rebuilding broken homes or developing vacant land into a new property.
- BRRR Strategy Support: Implement the Buy, Rehab, Rent, Refinance, Repeat strategy effortlessly, optimizing your investment returns.
- Experience-Based Approval: Secure approval based on your experience rather than a stringent credit evaluation.
- Better Control and Leverage: Compared to traditional bank construction loans, enjoy greater control and leverage over your project.
Our Multi-Family and Mixed-Use Bridge Loans are ideal for real estate investors seeking quick, flexible financing for 5+ unit properties or mixed-use developments. Whether you're acquiring distressed properties, implementing the BRRR strategy, or needing quick access to rehab funds, our loans cater to your diverse needs.
- Quick Closings: Accelerate your investment journey with bridge loans that can close in as little as 2 weeks.
- Higher Leverage: Enjoy greater LTV compared to DSCR loans, providing increased financial flexibility for your projects.
- Distressed Property Support: Target distressed or vacant properties confidently, as our bridge loans are designed to meet these investment needs.
- BRRR Strategy Support: Implement the Buy, Rehab, Rent, Refinance, Repeat strategy effortlessly, optimizing your investment returns.
- Rehab Fund Access: Gain access to necessary rehab funds to enhance and add value to your multi-family or mixed-use properties.
- No Prepayment Penalties: Experience the freedom to manage your investments without the worry of prepayment penalties.
- Experience-Based Approval: Secure approval based on your multi/mixed-use experience rather than a stringent credit evaluation.
Our DSCR loans are designed specifically for 1-4 unit residential properties. Whether you're refinancing a rented property or acquiring a vacant one, our tailored solutions cater to your unique requirements.
- Lower Rate: Enjoy competitive interest rates, optimizing your investment returns.
- 30-Year Amortization: Plan for the long term with extended amortization periods.
- Fixed Rate Options: Benefit from clear and predictable payment structures.
- Ideal for Cash-Out Refinancing: Perfect for investors transitioning from a fixer-upper to cash-out refinancing.
- Easy to Qualify: Qualify effortlessly without the constraints of debt-to-income ratios.
- Beginner Friendly: Whether you're a seasoned investor or a newcomer, our DSCR loans are accessible based on credit history.
- Quick Closings: Experience faster transactions, outpacing traditional bank timelines.
- No Loan Quantity Limits: Enjoy unparalleled flexibility with the ability to have as many loans as your portfolio demands.
Our DSCR Portfolio loans are ideal for seasoned investors managing 1-4 unit residential portfolios, offering lower closing costs and consolidated payments. Perfect for optimizing cash flow, transitioning from traditional financing, and efficiently scaling property portfolios.
- Lower Closing Costs for Portfolios: Enjoy reduced closing costs compared to individual transactions when managing a portfolio.
- Non-Recourse Security: You won't need to sign a personal guarantee for loan amounts over $500k.
- Consolidated Payments for Simplified Management: Handle a single payment for your entire portfolio, streamlining your financial management.
- Lower Rate: Enjoy competitive interest rates, optimizing your investment returns.
- 30-Year Amortization: Plan for the long term with extended amortization periods.
- Fixed Rate Options: Benefit from clear and predictable payment structures.
- Ideal for Cash-Out Refinancing: Perfect for investors transitioning from a fixer-upper to cash-out refinancing.
- Easy to Qualify: Qualify effortlessly without the constraints of debt-to-income ratios.
- Beginner Friendly: Whether you're a seasoned investor or a newcomer, our DSCR loans are accessible based on credit history.
- Quick Closings: Experience faster transactions, outpacing traditional bank timelines.
- No Loan Quantity Limits: Enjoy unparalleled flexibility with the ability to have as many loans as your portfolio demands.
Our Lite Doc Commercial Mortgages are ideal for investors seeking flexible financing for 5+ unit residential properties, mixed-use properties, and various commercial properties, including retail, light industrial, and warehouses. These loans are especially beneficial for those requiring a streamlined application process, competitive rates, and a quicker closing timeline.
- Lower Rates: Enjoy competitive rates that are more favorable than bridge loans.
- 30-Year Amortization: Plan for the long term with extended amortization periods.
- Fixed-Rate Options: Lock in your interest rate, for payment stability and predictability
- Versatile Property Types: Accommodate a range of commercial assets, including 5+ units, mixed-use, and various commercial properties like retail, office spaces, warehouses, and more.
- Tax-Driven Rate Improvement: The option to provide tax returns for better terms.
- Easy Qualification: Qualify effortlessly without the need for extensive documentation.
- Quick Processing: Enjoy faster loan processing compared to traditional banks.
- Multiple Loans Accepted: Secure financing for multiple properties, without the limitations imposed by traditional banks.
Our Full Doc Commercial Mortgages cater to investors with strong financial qualifications, providing the dual benefits of lower rates compared to Lite Doc Commercial Mortgages and faster closing times than traditional bank loans for diverse commercial assets.
- Competitive Rates: Enjoy lower rates compared to Lite/No Doc Commercial Mortgages.
- 30-Year Amortization: Plan for the long term with extended amortization periods.
- Rate Stability: Fixed-rate options provide security, ensuring your rate and payment remains unchanged.
- Ideal for Highly Qualified Investors: Perfect for investors with strong financial qualifications seeking better rates.
- Inclusive Qualification: Not experience-based, making it accessible for both seasoned investors and newcomers with credit-based approval.
- Expedited Process: Experience faster closing times compared to traditional bank loans.
- Scalability: No limit on the number of loans, allowing you to build a diverse and expansive portfolio without restrictions imposed by banks.
Why Real Estate Investors Choose Express Capital Financing
Express Capital Financing is here to help you get the financing you need when you need it. We can work with investors who have less-than-perfect credit scores, unique property types, or unconventional financial situations. Each loan is assessed individually, resulting in personalized loan structures to meet your specific needs.
Quick Funding
Get fast, reliable financing to seize opportunities with unmatched speed.
Maximum Leverage
Maximize your real estate portfolio effortlessly with higher leverage.
Unmatched Flexibility
Enjoy tailored loans that flexibly adapt to your needs and goals.
Real Testimonials, Real Success Stories
Discover the impact of Express Capital Financing through the eyes of those who have experienced the power of our investor-friendly terms, efficient funding, and unwavering support, resulting in successful and profitable real estate investments.
Loan FAQs
If youāre considering investing in commercial real estate, it's important to weigh the potential benefits and challenges that come with it. Consider these pros and cons:
Pros:
Steady Income:Ā Commercial properties offer consistent rental income, ensuring a reliable cash flow.Ā
Capital Appreciation: Ā Over time, commercial real estate values tend to increase, allowing for equity growth.
Inflation Hedge:Ā Commercial real estate can outpace inflation, safeguarding your investment's value.
Tax Advantages:Ā Deductions for expenses and depreciation lower your tax burden and boost returns.
Leverage:Ā Control substantial assets with relatively small capital, maximizing investment potential.
Cons:
Liquidity:Ā Commercial real estate is less liquid, meaning it may take time to sell or access your funds from a property.Ā
Maintenance Responsibility:Ā Property ownership requires ongoing maintenance, repairs, and tenant management.
Market Risk:Ā Property values are sensitive to economic fluctuations, so stay informed and be prepared.
High Entry Costs:Ā Commercial real estate often requires a significant initial investment.
Interest Rate Sensitivity:Ā Rising interest rates can impact borrowing costs and profitability.
Ultimately, successful real estate investors carefully weigh these pros and cons to align their commercial real estate investments with their financial goals and risk tolerance. By understanding both the rewards and challenges, you can make informed decisions that will help you achieve long-term success in the vibrant world of commercial real estate.
Private money lending is a valuable tool that offers flexibility, speed, and funding for real estate investors dealing with projects that don't meet traditional lending criteria. It serves as an ideal solution in the following situations:
Quick Closings: When a real estate investment opportunity requires a fast closing that traditional banks cannot accommodate, private lenders offer quicker access to funds.
Renovation Projects: For properties needing significant rehabilitation, which might not qualify for conventional loans, private money can provide the necessary financing.
Short-Term Financing Needs: If you plan to flip a property quickly or need bridge financing while securing long-term funding, private lending is an ideal solution.
Non-qualification for Traditional Loans: Investors who may not meet the stringent requirements of banks due to credit issues or unconventional income sources can turn to private lenders.
Private money lending is an invaluable resource for real estate investors seeking flexible and speedy financing solutions that traditional banks can't provide. Here are some of the advantages of private money lending:
Quick Funding:Ā Private money lenders offer quick access to funds, allowing investors to take advantage of time-sensitive investment opportunities.
Flexibile Financing Solutions:Ā If you're planning to flip a property, bridge the gap until long-term financing is secured, or require funds for a specific period, private lenders can offer the flexible terms you need.
Easier Approval: Private money lenders focus more on the value of the investment property rather than intricate credit requirements. This makes it easier for borrowers with less-than-ideal credit scores or non-traditional income sources to secure financing.
Unique Projects & Renovations: Private money lenders are often more open to financing unique or unconventional real estate projects that traditional lenders might consider risky or not fit their lending criteria.
Investor-Centric Approach: Private money lenders, like Express Capital Financing, prioritize your success, offering investor-friendly terms, competitive rates, and personalized solutions that align with your investment goals.Ā
By considering private money lending, you give yourself the freedom to explore unique opportunities, pursue creative projects, and overcome financing obstacles that traditional institutions may impose.
As a leading hard money lender catering to real estate investors, we understand the unique advantages that commercial real estate loans offer. Here's why real estate loans can make a substantial difference in your investment strategy:
Leverage: With commercial loans, you can control larger properties with a smaller upfront investment, maximizing potential returns.
Liquidity Preservation: Financing purchases preserves cash reserves for unforeseen expenses or new investment opportunities, providing flexibility in changing market conditions.
Tax Benefits: Commercial loans offer potential tax deductions on interest payments, improving cash flow for reinvestment.
Risk Distribution: Diversify your portfolio by investing in multiple properties using commercial loans, spreading risk and creating a stable investment profile.
Capital for Further Investments: Financing frees up cash for other ventures, allowing you to pursue additional opportunities and increase overall returns.
From maximizing your returns to maintaining financial flexibility and spreading risk, these advantages of commercial real estate loans empower you to achieve your investment goals with confidence.