Loan Guidelines

Loan Types
- Renovation Loan – Fix & Flips / Fix & Holds / Condo Conversion
- New Construction – Ground up
- Commercial Bridge
Property Types (Non-Owner Occupied)
- Single Family
- Multifamily
- Mixed-use
- Commercial
Loan Parameters
Borrower Profile:
Builders, Flippers, Investors, and Real Estate Developers
New Construction:
Yes! – We Fund 100% of Construction Costs
Loan Size:
$150,000 – $3,500,000
Loan Term:
12 – 18 months – Extensions Available at Lender Discretion
Lending Areas:
Massachusetts, Florida, New Hampshire, Rhode Island, Maine (other states on a case-by-case basis)
Interest Rate:
as low as 10% – Interest Charged on Outstanding Balance
Origination Fees:
As low as 2% – split 1 upfront and 1 at Exit
Loan To Value:
Up To 75% – As-Renovated
Payment:
Interest Only / Payments Due Every 30 Days
Closing:
Close in as little as 5 – 7 Days – Subject To Clean Title
Collateral:
First Mortgage, Real Estate Only
Credit Requirements:
Borrower Friendly Credit Requirements
Documentation:
Stated Income / Stated Asset
Appraisal:
Not Required unless a Commercial Property
Your Title Goes Here
Easy application process that can be completed in minutes
Your Title Goes Here
Fast approval and money in your
hands as soon as 2 days
Your Title Goes Here
Payment plans that only charge
interest on the money drawn
RECENT TRANSACTIONS
Recent Projects Funded by EMCAP Lending
Loan Amount:
$1,600,000
Loan Type:
New Construction
Property Location:
Massachusetts
Loan Amount:
$260,000
Loan Type:
Renovation & Cash Out
Property Location:
Massachusetts
Loan Amount:
$1,310,275
Loan Type:
Condo Conversion
Property Location:
Massachusetts
Loan Amount:
$2,460,000
Loan Type:
Commercial Bridge
Property Location:
Massachusetts