A Direct Lender with aggressive financing for Commercial and Residential Non-Owner Occupied Real Estate!

Hi Friends!

I am a Loan Officer with a direct lender called Capital Three Sixty! I am here to help Mortgage Brokers and Real Estate Investors get your deals financed. Below is a rundown of our programs. If you have a deal that you think fits, please email me at monty@capitalthreesixty.com. I am here to help you make money!

Purchase and Rehab (12 months) Guidelines & Pricing:
Loan Amount: $75k-$3.5M

LTV of Purchase price: up to 85% for new investors or 90% LTV for experienced investors
LTC of Rehab amount: 100%
Max Loan to ARV:  up to 75%
Minimum As-Is Appraised Value: $50k
Collateral:
 Non-owner Occupied 1-4 Family Residential Properties; Warrantable Condos; Townhomes; Planned Unit Developments (PUDs)
Term: 12 months
Rate: Starting at 9.99%
Points: Vary based on loan amount
Credit Score: 650 Minimum
No pre-payment penalty
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Bridge Loan (12-18 month) Guidelines & Pricing:
Loan Amount: $75k-$3M
Minimum As-Is Appraised Value: $75k

LTV of Purchase price: up to 80%
LTV Refinance : up to 80%
LTV Refinance cash out: up to 70%
Collateral:
 Non-owner Occupied 1-4 Family Residential Properties; Warrantable Condos; Townhomes; Planned Unit Developments (PUDs)
Term: 12-18 months extensions available
Pre-payment penalty: No Prepayment Penalty
Rate: Starting at 8.99%
Points: Vary based on loan amount
Credit Score: 650 Minimum
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Long-Term (30 yr Fixed) Rental Loan Program Guidelines & Pricing:
Loan Amount: $75k-$3M
Minimum As-Is Appraised Value: $100k

Collateral: Non-owner Occupied 1-4 Family Residential Properties; Warrantable Condos; Townhomes; Planned Unit Developments (PUDs) must be rented on long term lease
Term: 30 Years, Fully Amortized
Purchase: Up to 80% LTV
Refinance: Up to 75% of the As-Is Value
Cash-Out: Up to 70% of the As-Is Value
Vacation Rental Properties (AirBNB allowed)
Portfolio Loans for 2+ Properties (Average property value $100k)

Rate: Starting at 6.49%
Points: Vary based on loan amount
Credit Score: 650 Minimum
Programs: 30yr Fixed, 3/1, 5/1, 7/1, 10/1 ARM and Interest Only
Prepayment Penalty: 0yr to 5yr Year declining options
Borrower Liquidity: 9 Months of PITIA Reserves
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Commercial Apartments and Mixed Use Purchase and Rehab (12-18 months) Guidelines & Pricing:
Loan Amount: $250k-$5M

LTV of Purchase price: up to 80%
LTC of Rehab amount: 100%
Max Loan to ARV:  up to 70%
Minimum As-Is Appraised Value: $250k
Collateral:
 Commercial apartments 5+, Mixed use with Apartments, Condo Conversions, No limit on number of units
Term: 12 months
Rate: Starting at 9.99%
Points: Vary based on loan amount
Credit Score: 680 Minimum
No pre-payment penalty
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Commercial Apartments and Mixed Use 5-10 Units 30 yr Term Guidelines & Pricing:
Loan Amount: $250k-$5M

LTV of Purchase price: up to 75%
LTV Rate and Term refinance: up to 75%
LTV Cash out Refinance: up to 70%
Minimum As-Is Appraised Value: $250k
Collateral:
 Commercial apartments 5 – 20 units
Rate: Starting at 6.49%
Points: Vary based on loan amount
30 Year Term w/ Multiple Amortization Options
5 Year Interest-Only Option (25 Year Amortization Post-IO Period)
7 Year Interest-Only Option (23 Year Amortization Post-IO Period)
10 Year Interest-Only Option (20 Year Amortization Post-IO Period)
30yr Fixed Rate available for 5-8 units
5/7/10 Hybrid ARM
 Options (Fully Amortizing)
Credit Score: 680 Minimum
Prepayment Penalty: 3yr or 5yr Year declining

Monty Yeager
Loan Officer
Capital Three Sixty
208-794-7430
monty@capitalthreesixty.com

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