Hard money loan programs
Our hard money loan programs are structured to meet your needs, regardless of what type of investor loan you’re looking for.
Lending & loan type overview
Perfecto Capital offers a wide variety of uniquely-tailored private loans for real estate investors. Our full offering includes loans for; fix n flips, short, mid and long term rental properties “BRRRR”, ground-up construction, DSCR, cash out and various bridge loans.
In addition, we offer Proof of Funds letters for real estate investors looking to purchase a property without having the required capital. Through our partnerships, we provide our clients with many services including connections to vendors and other real estate professionals.
We believe in symbiotic relationships and provide our clients a wide range of choices and consultative advice. Our goal is simple; to offer the best financing solutions and exceptional service while providing investors the ability to quickly and effectively capitalize on real estate opportunities.
Highest standard of service
Loan decisions within 48 hours
Funds can be received as
quickly as 5 days
With a streamlined process and knowledgeable staff, we keep things simple and fully transparent
Long-term relationships are at the heart of what we do. Our team of professionals will work with you to provide the highest standard of care
Money
Loan amounts range from $40,000 to $10,000,000
Choices
We provide 6 types of customizable private loans plus many other real estate services
Competitive
Our programs are designed to provide investors with very competitive rates, straightforward terms and no hidden costs
Efficiency
We know you’re busy finding deals, let us save you time. Our online application process is fast, easy and efficient. Usually takes less than 5 minutes to complete
Fix N Flip
For those looking to acquire and renovate an investment property in order to sell for profit.
- Up to 75% LTARV
- Loans from $40K to $10M
- Funding 100% of the renovation costs for peace of mind
- Interest only loans
- No prepayment penalties
- 1 -20 unit properties
- Cross-collateralization available
- Fast and reliable closing
Rental
For those seeking funding to purchase, renovate and hold a property for cash-flow.
- Up to 75% LTARV
- Loans from $40K to $10M
- Funding 100% of the renovation costs for peace of mind
- Interest only loans
- No prepayment penalties
- 1 -20 unit properties
- Cross-collateralization available
- Fast and reliable closing
- We provide easy Refi’s into long-term DSCR loans
Ground Up
Finance your new construction projects with our specialized ground up construction loans.
- Up to 70% LTARV
- Loans from $100K to $10M
- Funding 100% of the construction costs for peace of mind
- Flexibility of having interest payments built into the loan
- No prepayment penalties
- Interest only loans
- 1 -20 unit properties
- Cross-collateralization available
- Fast and reliable closing
DSCR
Benefit from our flexible DSCR requirements to quality more easily for long-term financing. Regardless if you come to us with properties you currently own to refinance or are looking to buy more deals directly via DSCR programs, you’re in the best of hands.
No one can take care of you better if you’re already an existing client looking to refinance into a new long-term loan. We already know you, we already know the property and most importantly, we have built a relationship. You’ll save money and time and we’ll continue to help you build your empire.
- Rate & Term DSCR up to 80% LTV
- Cash Out DSCR up to 75% LTV
- Loans from $100K to $2.5M
- Highly credit dependent. Minimum score of 660
- Can provide DSCR’s on rented and unrented properties
- Best rates available in the market
- Possibility of start to finish in under 3 weeks
- Fast and reliable closing
Cash Out
For those who own an investment property and desire to quickly leverage the property’s equity.
There are two types of cash-out’s, a DSCR cash-out which provides a maximum amount of money out of a property, up to 75%, and provides the investor the ability the ability to keep that money for up to 30 years but is highly credit dependent, or a hard-money cash out which provides a lower LTV of up to 50% and is a short term loan of up to 12 months, is credit flexible but dependent on investment experience.
Here at Perfecto we like to provide our clients with choices and we’ve built the company to always be client-centric.
- Cash Out program choices
- Loans from $40K to $2.5M
- Best rates available in the market
- Possibility of start to finish with either program in under 3 weeks
- Fast and reliable closing
Bridge Loans
For those who either need quick execution, cannot fully qualify for a traditional loan or desire short term “bridge” financing.
- We offer an array of loans and choices to fit your needs
- Loans from $40K to $10M
- Funding 100% of the renovation costs for peace of mind
- Interest only loans
- No prepayment penalties
- 1 -20 unit properties
- Cross-collateralization available
- Fast and reliable closing
- We provide easy Bridge Loan Refi’s into long-term DSCR loans