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Bridge 1st Position: Runway to Sell

Loan Min & Max Interest Rate LTV Max Origination
$30k to $3.5M 9.95% to 11.875% 1.5 points plus broker
no lates, no derogatories
LTV max up to 70% no rate add.
LTV max up to 75% add .25 to rate.
LTV max up to 80% LTV add .5 to rate		 1.5 Point up front, or 2 points as exit fee.

Bridge 1st Position: JCAP Bridge

Loan Min & Max Interest Rate LTV Max Origination
$30k to $5M
Loans from $3M to $5M have a note that the loan must be approved in committee.		 11.75% to 12.5% 70% LTV Jcap 1.5+ points, plus broker

Bridge 2nd Position: JCAP Bridge

Loan Min & Max Interest Rate CLTV Max Origination
$30k to $500k
Loans $501k to $1M by exception only		 13.375% to 13.875% up to 60% LTV 2 Point up front, or 3 points as exit fee.

Rehab/Construction 1st Position: JCAP Bridge

Loan Min & Max Interest Rate Purchase Loan to Value(LTV) Max After Repair Value LTC Originaton
$30k to $5M
Loans from $3M to $5M have a note that the loan must be approved in committee. 		11.75% - 12.5% 70% LTV Jcap 1.5+ points, plus broker

Rehab / Construction 2nd Position: JCAP Bridge

Loan Min & Max Interest Rate As is CLTV Max After Repair Value LTC Origination
$30k to $500k
Loans $501k to $1M by exception only.		 13.375% to 13.875% up to 60% LTV 2 Point up front, or 3 points as exit fee.

Commercial 1st Position: JCAP Bridge

Loan Min & Max Interest Rate LTV Max Origination
$30k to $3.5M,
$3M to $5M by exception 		JCAP Points
1.5 to 2 Points

"Probate Loans: 1st Position loans for properties still locked in probate."

Loan Min & Max Interest Rate CLTV Max Origination
$30k to $500k by exception 12.875% - 13.875% up to 65% LTV no rate add
up to 70% LTV add .25 to rate
 Jcap 1.5+ points (min $3600), plus broker.

Ground-Up Construction Bridge

Loan Min & Max Interest Rate CLTV Max After Repair Value LTC Origination
$30k to $500k by exception 12.875% - 13.875% up to 65% LTV no rate add
up to 70% LTV add .25 to rate
 Jcap 2+ points (min $3600), plus broker.

Premier Bridge 1st Position

Loan Min & Max Price Range Origination LTV Max
$30k to $3.5M 9.95% to 10.95% 1.5 points plus broker
no lates, no derogatories
High end SFRs only.

ProductOccupacyloan purposeLoan AmountCredit Score

General Pricing Range

Bridge 1st: Runway to Sell: 9.95% + and 1 point Bridge 1st: 11.75% - 12.5%, and 1.5 points (min origination $3.6k) plus broker(s) Bridge 2nd: 12.875% - 13.875%, and 2 points (min origination $4k) plus broker(s) All loans Interest Only payments. No prepayment penalty. Usually, 12- month note Rehab loans:
  • 3-month note
  • Points can be moved to exit fee, but increase by 50%+
  • Property needs to be complete and listed.
  • 680+ credit
  • Loan limits: $30k to $3.5M loans.
  • $3.5M to $5M with exception.
  • $500k max loan to 65/70% CLTV.
  • $750k max to 55/60% CLTV.
  • We tend to go up to 65/70% max LTV/CLTV on refi - 70/75% LTV on purchase.
  • 11.75% - 12.5% new first with holdback, 1.5 points plus broker.
  • Usually go up to 75% of the costs (purchase price/value + costs spent + budget to finish).
  • No greater than 65% of ARV. (See below on more details of LTC).
  • Purchase loan up front is usually 70% LTV max.
  • Interest Only payments. No prepayment penalty. 12 - 18 month note.

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