© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS
Private money, hard money and non-traditional financing for residential and commercial real estate, written on the property and the exit.
© THE CATALOGUE CA · AZ · 46 STATES
NINE WAYS TO CLOSE
Real estate investment financing, written by people who close. Loan Goat lends on the asset, the equity and the exit: residential and commercial, bridge to thirty-year, clean credit or a story to tell. The nine programs below are the whole catalogue; the twenty products the site has always carried live inside them, each with its verbatim terms card.
EXPERIENCED AND FAST HARD MONEY LENDERS THAT CLOSE IN 7 TO 10 DAYS NATIONWIDE. WE CAN FINANCE ALMOST ANY BORROWER OR PROPERTY TYPE.
loangoatinc.com
© NINE PROGRAMS 01 TO 09
The nine loan programs
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR VIEW PROGRAM
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO VIEW PROGRAM
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO VIEW PROGRAM
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR VIEW PROGRAM
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR VIEW PROGRAM
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO VIEW PROGRAM
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR VIEW PROGRAM
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE VIEW PROGRAM
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR VIEW PROGRAM
© HIS MENU, KEPT 20 PRODUCTS · 9 PAGES
HOW WE GROUP THEM
The four groups from the Loan Goat menu, with every product pointed at its new home.
PRIVATE MONEY
Residential
HARD MONEY
Residential
Commercial
NON-TRADITIONAL
Residential
VETERANS
Residential
© OUR PROCESS 5-7 DAYS TO CLOSE
OUR PROCESS
San Diego's private and hard money lender, funding in 46 states
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
AS SEEN ON
LICENSING
Company NMLS 1416824
Branch NMLS 2554618
OWNERSHIP
VETERAN OWNED
© QUESTIONS SIX ANSWERS
LOAN PROGRAM QUESTIONS
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Yes. A private lender such as Loan Goat lends its own or its investors' capital against real estate, so the decision rests on the property, the equity and the exit rather than on a bank's checklist. Investors, business owners and self-employed borrowers use hard money for purchases, refinances, rehabs, construction and bridge situations a bank is too slow for or will not touch. The terms depend on the program, so the first step is a quote on your deal.
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A hard money loan is a short-term real estate loan secured by the property itself rather than by the borrower's tax returns and pay stubs. The lender underwrites the asset, the equity and the exit, which is why it can close in days instead of months. Loan Goat writes them for purchases, refinances, fix and flips, ground-up construction and bridge situations where a bank is too slow or says no. Terms and pricing depend on the property and the plan, so the first step is a quote.
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The 70% rule is an investor's rule of thumb, not a lender's requirement: pay no more than 70% of the after-repair value (ARV) minus the renovation cost, so the margin covers financing, holding costs and profit. It is a screening tool for flips; lenders size the loan against the purchase price, the rehab budget and the ARV. Loan Goat's fix and flip program lends up to 85% of the purchase, 100% of the rehab and 75% of ARV, so a deal that passes the 70% rule usually leaves room for the down payment and reserves.
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A hard money loan has three cost layers: the interest rate, the origination points and the third-party closing costs (escrow, title, appraisal where one is required). Loan Goat publishes rates on its programs, for example 9.00% to 13.00% on the bridge loan and 9.99% to 12.00% on fix and flip, for qualified borrowers; points and fees are quoted per deal on the Letter of Intent. Rates and pricing are subject to change without notice and are not a commitment to lend.
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You qualify on the property, the equity or down payment, a credible exit and a credit profile above the program floor, not on tax returns. Experience matters less than people expect: the bridge loan requires no borrower experience, first time flippers are allowed on fix and flip, first time investors are OK on the rental DSCR loan, and ground-up construction asks for 2 previous ground-up projects. Send the address, the numbers and the plan and we will tell you the same day whether it fits.
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Until the maturity date on the note. Loan Goat's bridge loan runs one or two years, fix and flip 6 to 18 months, construction 12 to 18 months and the owner occupied bridge 11 or 12 months. Long-term programs such as the rental DSCR loan run on 30 and 40 year fixed terms and are not hard money in the short-term sense.