Residential Fix and Flip (Purchase and Refi):

Express Capital Financing is a direct private capital provider for residential and commercial real estate assets. We fund debt and/or equity structured transactions for unique or difficult situations. We have access to a conduit lending platform as well that allows us to fund deals that may not fit on our balance sheet but are still successful projects. This provides flexibility for you, and allows us to always evaluate each deal individually and provide the best rate/terms available.

Guildelines Criteria
Minimum Loan $75,000
Maximum Loan No Max
Maximum LTV 90% of purchase price 100% of rehab 70% of ARV 85% of the as is value
Purpose Purchase
Refinance
Lien Position 1st only
Timing (estimated) Term Sheet: 24-48 hours Closing: 2 weeks
Term 6-18 months
Location Nationwide
Interest Rates Starting at 8%-12%
Rehab Holdback Only incurs interest as the monies are drawn upon
Origination Fees 2.00-4.00 points
Amortization Interest only
Recourse Recourse
Borrower Entity Individual or Entity
Property Types Single Family 2-4 Units, Multifamily, Retail, Mixed Used, Office, Industrial and Warehouse

Commercial Fix and Flip (Purchase and Refi):

Guildelines Criteria
Minimum Loan $75,000
Maximum Loan No Max
Maximum LTV 80% of purchase price 100% of
rehab
70% of ARV
75% of the as is value
Purpose Purchase
Refinance
Lien Position 1st only
Timing (estimated) Term Sheet: 24-48 hours Closing: 2 weeks
Term 6-18 months
Location Nationwide
Interest Rates 8.0% – 12.90%
Rehab Holdback Only incurs interest as the monies are drawn upon
Origination Fees 2.00-4.00 points
Amortization Interest only
Recourse Recourse
Borrower Entity Individual or Entity
Minimum Credit Score 550 or higher