Mortgage Lender Lake Forest, CA | theLender

BRRRR

Buy
Renovate
Rent
Refinance
Repeat

Reduce your R’s by working with theLender!

Work with theLender to streamline your next BRRRR project. Eliminate having to work with multiple lenders through our BRRRR Express Property Financing.

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BUY
Buy your investment property with theLender’s Investor Bridge Loan
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RENOVATE
Renovate the property using the funds from our Investor Rehab Loan
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RENT

Rent the property to a tenant.

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REFINANCE
Refinance your initial investment by refinancing your Bridge / Rehab Loan with theLender’s cash-out DSCR loan (No renter required)
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REPEAT
Repeat and use the proceeds from the cash-out refinance to capitalize your next BRRRR project

Rehab & Bridge Program Highlights

Finance up to 80% of purchase price

Finance up to 100% of rehab budget

Max 75% of ARV (After Repair Value)

Stated income and no DTI requirement. No minimum FICO requirement. No minimum DSCR requirement on 1-year term.

No prepayment premium on 1-year term

Quicker valuation process, full appraisals only required on case-by-case basis

Interest-only payments

Up to 80% LTV

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1 YEAR TERM
  • UP TO 80% LTV AND 85% LTC
  • NO PREPAYMENT PREMIUM

This is a great program for investors that fix & flip properties quickly.

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2 YEAR TERM
  • UP TO 80% LTV AND 85% LTC
  • THE 2 YEAR PROGRAM HAS A 6 MONTH PREPAYMENT PREMIUM

If you have a larger fix & flip project that you know will take longer than 1 year, theLender also has you covered. Avoid the stress of securing a refinance in the middle of your project. Use our 2-year fix & flip loan. We offer acquisition and renovation costs on 2-year loans just as we do on our 1-year loans.

DSCR Program highlights

Title can be held in an LLC, S-corp, C-corp or trust

No personal income needed to qualify

No limit on number of financed properties (4+ requires board review)

Allows single-family, condos, 2-4 units, townhomes

Loan Terms - 30 YR Fixed, 40 YR Fixed with I/O, & 7/6 ARM. *Interest-only options available

In-house underwriting ( STR and LTR allowed, no tax returns, W-2's or paystubs)

Purchase, R/T refinance or cash-out refinance

Purchase max 85% LTV (minimum FICO 680)

Refinance max 75% LTV (minimum FICO 660)

Qualify Today For BRRRR

Financing

With theLender getting your loan process started is easy! Simply click below and schedule a call with one of our investor loan experts to review your scenario and get pre-qualified.

BRRRR

Buy
Renovate
Rent
Refinance
Repeat

It’s normal to have questions when you’re considering a lender. Our team is passionate about educating our clients so they can make smart, informed decisions. Just start the conversation and we will do the rest!