Borrowers looking to refinance N/O/O SFR, Condo and 2-4-unit properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.

• No Income Proof Needed
• All Loans are N.I.V. (No Income Verified)
• LTV up to 80%
• No DTI Ratios
• No DSCR calculated on residential collateral
• Rates as low as 5.99%
• Up to a 2 Point Rebate
• Loan Amounts from $50,000 – $5,000,000
• Lending to LLC’s, S-Corp, Trust or Individuals.
• Property Types Include: SFR, Condo, 2-4 Units
• Interest Only Option Available
• Foreign Nationals – OK
• 100% Gift Funds – OK

Every borrower deserves a loan and with our bridge loan product. Those borrowers looking to refinance N/O/O SFR, 2-4-unit properties, 5+ unit multi family, Mixed Use or Office & Retail have just that. We even finance properties in rural areas and those with minor to significant deferred maintenance. With an increased loan amounts and just about any credit profile ACG is the home for your next bridge loan request. Our bridge products are usually used by Real Estate owners that only want to borrow money for a short period of time (up to 60 months), then want to exit out of our loan to obtain bank financing.

• No Income Proof Needed
• All Loans are N.I.V
• No Income Stated on 1003
• No DTI Ratios
• No DSCR calculated on residential properties
• Rates as low as 6.99%
• LTV up to 80%
• Loan Amounts from $50,000 – $15,000,000
• Lending to LLC’s, S-Corp, Trust or Individuals.
• Property Types Include: SFR, Condo, Condotels, 2-4 Units, Multifamily, Mixed-Use, Office, Retail
• Interest Only Option Available
• Foreign Nationals – OK
• 100% Gift Funds – OK
• Properties with Deferred Maintenance
• Rural Properties
• Short Term and Long Term Bridge Options are Available
• No source & seasoning of down payment options
• Up to 2 point rebate

Sometimes a great opportunity comes up in the market. Our Fix and Flip loan allows borrowers to purchase a distressed property or refinance an incomplete property without the need for draws and escrow accounts.

• No Income Proof Needed
• LTV’s up to 90%
• Up to 100% of rehab funds available
• 12-month term available case by case
• No Prepayment Penalties
• Loan amounts up to $2,000,000.
• Flipper must show ability to complete rehab.
• FICO’s down to 500 – OK