Hard Money & Private Money Loan Programs
Level Up Lending: Your Gateway to Investment Property Financing
Level Up Lending is your exclusive gateway to securing financing for your investment properties. Our specialized Private Money and Non-Qualified Mortgage (NON-QM) programs have been carefully crafted to empower borrowers, offering them the tools they need to thrive in the world of real estate investment. Our primary goal is to simplify and expedite the approval process for real estate investors, allowing them to construct diverse investment property portfolios.
Explore Level Up Lending's Extensive Range of Loan Programs
As a direct Hard Money and NON-QM lender with a strong emphasis on speed and flexibility, we present an extensive array of Hard Money and Private Money Loan Programs across the nation. Scroll below to dive into our cutting-edge loan products and discover the ideal mortgage program for your investment property.
A Team Fueled by Real Estate Expertise
At Level Up Lending , we provide real estate investors like you with the financing you need now for your next real estate investment. Our team is led by skilled Real Estate Investors who have honed their expertise in private money lending and asset-based loan programs. Our diverse library of loan programs offers more flexibility than traditional lenders, enabling us to meet your unique real estate investment goals quickly, at competitive rates, and with less documentation needed.
We are dedicated to assisting real estate investors in realizing their financial aspirations.
Need Expert Guidance? Connect with Our Seasoned Loan Officers
Whether you are looking for Fix and Flip Loans, DSCR Mortgage Loans, New Construction Loans,, Rental Loans, Commercial Bridge Loans, Multi-Family Loans, or Cash-Out Refinancing, Level Up Lending offers private hard money lending to aid you in meeting your real estate investment objectives.
If you desire personalized advice for your unique loan scenario, click the button below and one of our experienced loan officers will get back to you shortly. You can also give us a call at (848)249-5636 or apply for loan pre-qualification to get started on your path to successful real estate investment. We look forward to speaking with you about how our available loan program options can grow your real estate investment business today!
Asset Based Loans for Real Estate Investors
Level Up Lending, a Private Money and NON-QM Mortgage Lender, specializes in Asset-Based Loan programs, offering a diverse range of mortgage solutions tailored to accommodate the unique circumstances and requirements of borrowers.
Tailored Loan Qualification for Your Investment Property
As an individual seeking Private Money or Hard Money Loans, both of which are asset-based loan programs, your eligibility is determined by the value or potential value of your investment property. This approach is particularly advantageous for real estate entrepreneurs who might encounter difficulties in securing a conventional loan due to factors such as credit history, cash flow, or self-employment status.
Need Expert Guidance? Connect with Our Seasoned Loan Officers
Our Hard Money and Direct Private Money loan programs cater to an extensive range of investment projects, including:
A Unique Approach to Loan Approval
In contrast to traditional mortgage lenders that heavily rely on employment verification, tax documentation, and credit scores, private money and hard money lenders like Level Up Lending place primary importance on the property’s current or potential value. This makes it the ideal choice for real estate investors who are self-employed or have encountered credit-related challenges, as loan approval is primarily determined by the Loan-to-Value Ratio (LTV), which compares the loan amount to the property’s value.
Unlock Opportunities with Level Up Lending's Nationwide Hard Money Loans
Level Up Lending offers Nationwide Hard Money Loans designed for real estate investors who seek a straightforward path to financing. These asset-based loans are tailored to the value of the asset rather than relying on credit scores, making them ideal for those looking to avoid the complexities of full underwriting.
The Simplicity of Hard Money Loans
Hard Money Loans are purely based on the Loan-to-Value (LTV) of the asset. Unlike Fix and Flip loans, they don’t involve extensive underwriting and impose no minimum FICO requirement for borrowers. The focus is on the asset’s value, offering flexibility and a swift lending process.
Why Choose Hard Money Loans for Investment Properties
- Speedy Funding
When you’re eyeing a promising investment opportunity, time is of the essence. Traditional mortgage processes can be sluggish, involving extensive paperwork and underwriting. In contrast, these options are known for their rapid approval and funding. In some cases, you can receive the funds you need in a matter of days, allowing you to seize time-sensitive investment prospects. - Property-Centric Approach
With Hard Money Loans, it’s all about the property. We assess the investment property’s value, condition, and potential. This is a departure from traditional lenders who might prioritize the borrower’s credit history over the property’s merits. This property-centric approach provides investors with an opportunity to secure financing based on the asset’s potential, regardless of their credit score. - Ideal for Renovations and Flips
If your investment strategy involves acquiring properties for renovation or flipping, these solutions are a natural fit. These options are tailored to such real estate ventures, and they often come with the flexibility to fund both the purchase and the renovation costs. This simplifies the financing process for investors looking to add value to their properties. - Versatile Financing
Hard Money Loans aren’t limited to specific property types. Whether you’re interested in single-family homes, multi-family units, commercial spaces, or mixed-use properties, these options can cater to your needs. This versatility enables investors to diversify their portfolios and explore various real estate sectors. - Personalized Solutions
At Level Up Lending, we pride ourselves on offering personalized solutions. We work closely with each investor to understand their unique goals and financial scenarios. This allows us to tailor the terms and conditions of the loan to meet your specific needs, ensuring a seamless and supportive lending experience.
Level Up Lending’s Soft Money Loans: Lower Rates, Higher Security
Soft Money Loans involve a more comprehensive underwriting process, resulting in lower interest rates and heightened security. These loans are structured around both the borrower’s credit score and the property’s Loan-to-Value (LTV) ratio, typically offering term loans rather than bridge loans. Our Soft Money Loans blend the advantages of hard money loans with reduced risk, favorable interest rates, and structured term loans.
- Property Types: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Office Spaces, Retail Spaces, Industrial Facilities, Warehouses, and more.
- Rates Starting at 6.99%
- Loan Amounts: $100K – $5M
- Up to 75% Loan-to-Value (LTV)
- Blanket Loan Options Available
- Interest Only Option Available.
- Fixed Rates/Adjustable: Options for 5/1 ARM and 30-Year Fixed.
- Foreign Nationals Eligible
- Prepayment Flexibility: No prepayment penalty option available.
Level Up Lending’s Nationwide Fix and Flip Loans: Your Swift Path to Real Estate Success
Our Fix and Flip loan programs are designed to offer real estate investors quick and hassle-free access to funding for their property transformation projects.
- Property Types: Available for Single-Family Residences (1-4 Units) and Multi-Family Residences (5-24 Units). No mixed-use properties.
- Generous Loan Amounts: Up to $4 million for Single-Family Residences and up to $7.5 million for Multi-Family Residences.
- Simple Terms: Enjoy a 12-month interest-only period with no prepayment penalties.
- Expedited Process: Non-TRID loans enable faster closings.
- Convenient Rehab Draws: Choose options for no interest on rehab draws until requested, with timely processing.
- Extensive Rehab Support: Heavy rehab options available, with 100% rehab financing available.
- Expedited Processing of Rehab Requests
- Competitive LTV, ARV, and LTC: Up to 85% LTV, 65% ARV, and 85% LTC available.
Level Up Lending’s Nationwide Bridge Loans: Accelerate Your Real Estate Investment
Our bridge loans provide real estate investors with quick financing solutions for shorter investment horizons and exit strategies.
- Property Types: Applicable to Single-Family Residences (1-4 Units) and Multi-Family Residences (5-24 Units), with some exceptions for mixed-use properties.
- Generous Loan Amounts: Up to $4 million for Single-Family Residences and up to $7.5 million for Multi-Family Residences.
- Convenient Terms: Enjoy a 12-month interest-only period with no prepayment penalties.
- Fast Processing: Non-TRID loans enable quicker closings.
- Short-Term Solution: Bridge Loans provide interim financing before long-term options are secured.
- Renter-Occupancy Flexibility: Renter-occupancy is not mandatory.
- Competitive LTV: Benefit from up to 80% Loan-to-Value.
- Jumbo Loan Options: Jumbo loan financing is available to meet your specific needs.
A Simple and Efficient Solution from Level Up Lending
Our Multi-Family Loan Program is designed to make financing your projects easy and efficient. We offer loans to Multi-Family investment projects for up to 24 months (with two 6-month extensions), offering flexibility for your projects.
- Property Types: Mixed-Use and 5+ Unit Multi-Family Properties
- Competitive Rates: Starting at 5.5%
- Up to 75% Loan-to-Value (LTV)
- DSCR (Debt Service Coverage Ratio): Minimum of 1.25
- Loan Term: 30 Year Term Available
- Loan Size: Minimum $500,000
- Credit Score (FICO): Minimum Credit Score of 680
Elevate Your Investment Goals with Level Up Lending’s Nationwide DSCR Loans
Our DSCR Mortgage Loans cater to the unique needs of self-employed and W2 borrowers who encounter challenges with traditional lending solutions when purchasing investment properties.
- Property Types: Single-Family Homes, Condos, Townhomes, Multi-Family Units, Commercial Properties, Mixed-Use Buildings, Office Spaces, Retail Spaces, Industrial Facilities, and Warehouses
- Competitive Rates: Starting at 6.99%.
- Loan Parameters: Ranging from $100K to $5M, with up to 80% Loan-to-Value (LTV) and the option for Blanket Loans.
- Flexible Terms: Choose between fixed rates or adjustable, with 5/1 ARM or 30-Year Fixed options. You can also opt for interest-only payments.
- Inclusive Lending: These loans are accessible to foreign nationals, with a no prepayment penalty option.
Level Up Lending Can Help You Leverage Your Property’s Equity for New Investment Opportunities
A Cash Out Refinance Loan allows borrowers to access cash from their property’s equity and use it as they see fit. Unlike traditional bank loans, these are NO-DOC programs, requiring no income verification during application.
- Property Types: Single-family homes and 2-4 unit Multifamily Properties, providing flexibility in your investment choices.
- Interest Rate: Starting at 4.49%, to help you maximize your cash flow and financial flexibility.
- Loan Term: 30-year Fixed-Rate Term Available
- Seasoning Requirement: Minimum seasoning of 6 months leased for your investment property. This ensures that your property has a rental history, contributing to a smoother loan approval process.
- DSCR (Debt Service Coverage Ratio): Minimum DSCR of 1.1 to evaluate your property's cash flow and its ability to cover the mortgage payments. This requirement ensures a strong financial foundation for your investment.
- Max Loan to Value: Up to 75% LTV.
- Credit Score (FICO): Minimum Credit Score of 680
- No Income Verification: Our NO-DOC program requires no income verification during the application process, streamlining the approval process for self-employed individuals or those with irregular income sources.
Unlock Your Property’s Equity with Level Up Lending.
This refinancing option empowers homeowners to modify their mortgage rate, loan term, or both, resulting in improved financial stability.
- Property Types: Our Rate-and-Term Refinance is available for Single-Family Residence (1-4 Units) and Multi-Family Units (5-24 Units) with no mixed-use.
- Loan Amount Limits: Up to $4 million for Single-Family Residence (1-4 Units) and up to $7.5 million for Multi-Family Units (5-24 Units).
- Flexible Payment Options: 12-month interest-only option with no prepayment penalties.
- Faster Closing: Benefit from Non-TRID compliance for faster closing.
- Rehab Financing: Explore rehab options and experience prompt processing of rehab requests.
- Cash-Out Option: Cash-out up to 70% Loan-to-Value (LTV).
- Financing Solutions: Financing solutions available up to 75% LTV, 65% After Repair Value (ARV), and 85% Loan-to-Cost (LTC).
Rehab Refinance
Transform Your Property and Boost Its Value with Level Up Lending’s Rehab Financing.
- Prompt Processing: We understand the urgency of renovation projects. Our team ensures quick and efficient processing of rehab requests, so you can start enhancing your property without unnecessary delays.
- Access to Additional Funds: With our Cash-Out Option, you can access up to 70% Loan-to-Value (LTV) of your property's value to fund renovation costs, allowing you to take on more extensive projects.
- Flexible Financing Solutions: We offer financing solutions up to 75% LTV, 65% After Repair Value (ARV), and 85% Loan-to-Cost (LTC), providing the flexibility needed to cover various aspects of your renovation.
- Value Enhancement: Whether you're flipping properties or improving your primary residence, our Rehab Financing helps enhance your property's value, potentially leading to higher resale values or improved living conditions.
- Professional Guidance: Our team of experts is available to provide guidance and support throughout your rehab project, ensuring a smooth and successful renovation process.
Level Up Lending’s ATR-IN-FULL Loan: Financial Flexibility
With a thorough assessment of liquid assets, you may be eligible for Level Up Lending’s Ability to Repay (ATR) program, offering an invaluable alternative for individuals with irregular income.
Consumer Purpose Loans:
- Property Type: Owner-Occupied Only.
- Qualify with Liquid Assets: Utilize your liquid assets for qualification, no current employment required.
- Minimal Documentation: Only two months of statements needed for qualifying accounts.
- Purchase: Up to 75% Max LTV.
- Refinance: Up to 70% Max LTV.
- Credit Score (FICO): Minimum Credit Score of 600.
Business Purpose Loans:
- Property Types: 1 to 4-unit properties.
- Qualify using rents (cash flow).
- Diverse Rental Options: Condotels, Airbnb, and Daily Rentals are permitted.
- Yield Spread / LPC Available.
- Close in Corporate (LLC): But not required.
- Purchase: Up to 80% Max LTV.
- Credit Score (FICO): Minimum Credit Score of 575.
Condotel Financing with Level Up Lending: Unlock Opportunities
Condotels uniquely offer the advantages of being a sound financial investment and a gateway to an enhanced lifestyle.
- Condotel Defined: A property blending condominium ownership with hotel-style rentals.
- Resort, Airbnb, Daily Rentals acceptable.
- Up to 103 LPC for Non-Owner Occupied.
- Purchase and Refinance: Up to 70% Max LTV.
- Credit Score (FICO): Minimum Credit Score of 575
- Max Loan $4M.
- No Size Restrictions: No minimum square feet requirement.
- Documentation Options: Choose between Full Doc and Bank Statements.
- LLC Support: LLC or corporate closing available.
Level Up Lending’s 12-Month Bank Statement Loan: The Investment Solution for Business Owners, Self-Employed, and Gig Workers
- Qualify with Deposits: 100% on Personal Account Deposits and 50% on Business Account Deposits (12 consecutive months).
- Purchase: Max 90% LTV.
- Refinance: Max 80% LTV.
- Eligibility: Self-Employed and 1099 Borrowers.
- Credit Score (FICO): Minimum 600 FICO.
- Loan Amounts: Up to $4M.
- Reserves Not Required: No reserves needed.
- Streamlined Process: No 4506T, No K1’s, and No P&L’s.
- No MI: No mortgage insurance.
Explore Foreign National Loans: Your Gateway to U.S. Real Estate
- Qualification: Letter of good standing with the current financial institution or international credit report.
- Property Types: 1 to 4-unit properties.
- Short-Term Rentals: Allowance for short-term rentals.
- No Income Verification: No income, job, or credit required.
- Reserves Not Required: No reserves needed.
- Loan Options: 5-year/7-year ARM & 30-year Fixed.
- Purchase: 70% Max LTV.
- Refinance: 65% Max LTV.
- Loan Amounts: Up to $3M.
Make a strategic financial move today and position yourself favorably in today’s economic landscape.
- Property Types: Owner-Occupied, Non-Owner Occupied, and 2nd Homes.
- Interest-Only Terms: Choose between 5-year IO on a 30-year term or 10-year IO on a 40-year term.
- LTV: Max 90% LTV.
- Credit Score (FICO): Minimum 650 FICO.
- Loan Amounts: Up to $4M for owner-occupied properties..
- Debt Service Coverage: I/O payment is used for DSCR ratio.
- Property Types: Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos.
- Eligibility: Non-Owner Occupied only.
- No Income Verification: No income or job verification required.
- Credit Score (FICO): Minimum Credit Score of 575
- Loan Amounts: Up to $3M.
- Fixed Terms: 30-year Fixed program with a 3-year pre-pay option.
Nationwide Lending for Real Estate Investors – Reach Out to Level Up Lending Today!
Level Up Lending is your go-to destination for property investment financing. Our dedicated team has the experience to guide you from start to finish and we’re wholeheartedly invested in your success at every phase of your journey. Don’t hesitate to contact us for more information or to start your investment project.
Contact our loan officers at [email protected] or simply give us a call at (848) 249-5626. Take the crucial first step by initiating your loan pre-qualification application today.
Experience the full potential of your real estate investments with Level Up Lending, your trusted Nationwide Hard Money and Private Money Lenders!