Warning, we have recently become victims of scammers using a robodialer to call consumers pretending to be from A to Z Capital. We do NOT use robodialers and do not solicit or request money via phone. PLEASE do NOT send any money to any caller. Hang up immediately. You may call us directly at 561-609-6699 for further information. We do NOT have any other numbers and we are based in Florida.

FIX ‘N’ FLIP

Our Florida Fix and Flip rehab loan is for the real estate investor who wants to purchase and renovate a Florida residential or commercial real estate investment property. The Fix-N-Flip loan offers 80% financing of the purchase price and 100% of the rehab costs.

♦ Private investors looking to invest capital see bottom of this page:

EXCEPT

All investor loan transactions must close in the name of a business entity

MINIMUM 600+ CREDIT SCORE REQUIRED FOR FUNDING APPROVAL.

For Illinois, Maryland and New Jersey: Minimum credit score of 725 required for clients with a loan amount of $150,000.00 or less.

To qualify for funding approval, you must provide most recent 2 months bank statements that reflect an ending balance that covers the following specific transaction related items:

*Any LARGE DEPOSITS will be required to document the source of said deposits.

Minimum dollar amount of loan origination fee is $4,500.00

See bottom of this page for list of required documents

Single Family residences and 2-4 units. Non owner-occupied only. No primary residence or vacation homes. No condo’s.

80% of purchase and 100% of rehab not to exceed 75% of the After Repair Value (ARV)

Funding Scenario Example

Plus lender fees and closing cost
Borrower is responsible for down payment of total project cost, plus lenders fees and closing cost.

Funding can only be approved in a business entity name. There is no seasoning requirement on the age of the business entity. Entities include: LLC, LLP, S-Corp, C-Corp.

After completing a pre-qualification application we can also promptly provide you with a proof of financing letter(s) to assist you in making offers on prospective investment properties. To obtain a proof of financing letter you must provide a copy of your most recent bank statementreflecting a balance of the minimum required funds to close.

Minimum $15,000.00 In Liquid Checking/Savings Account Required For Funding Approval!
You must clearly document that you have the funds to close, which includes; down-payment, lender fees and closing cost. Loan files are not submitted for underwriting approval without proof of funds to close.

On average we can close in about 12-15 business days from the time we receive ALL REQUIRED DOCUMENTATION. Delays in closing are normally due to appraisal/property value, title issues, etc.

Minimum loan amount is $75,000. There is NO MAXIMUM loan amount.

A traditional full property appraisal is ALWAYS required to underwrite and fund a investor loan for this product. We will order an expedited appraisal at time of submission of loan file for underwriting approval. Cost of appraisals vary based on geographical market but can typically range from $450.00 – $695.00.

No verification or documentation of personal or business income is required. Borrower will have to produce copy of of last years personal tax return to document that income taxes are being paid. Income is NOT used as bases for qualifying.

Single family residences and 2-4 residential units. No condo’s.

Purchase and rehab transactions only.

Interest rates range on average from 9.99% to 12% depending on credit score and number of prior completed fix and flip transactions within last 12 months. See guidelines above.

Property Insurance Requirement

All fix and flip transactions require a “builders risk” property hazard insurance policy with coverage for 12 month term.

Seller may contribute up to 3% of the agreed purchase price towards buyer closing cost expenses or concessions in the contract to purchase.

Subordinate financing is NOT allowed, which includes 2nd mortgages and seller held financing.

There is no maximum loan amount

13 months

Fixed monthly payment, interest only

None

Business Entity Borrower (Must close in the name of a business entity)

♦ Private Investors – EARN 10% TO 12% INTEREST INVESTING IN INCOME PRODUCING FIRST TRUST MORTGAGE DEEDS INSURED WITH TITLE INSURANCE AND HAZARD INSURANCE.

You can invest with as little as $75,000. Many of our investors invest with their IRA funds. Please note, however, that investing in first trust deeds involves taking on some risk, and a severe and prolonged decline in real estate values is possible.

Please call our office for full details. (561) 609-6699.

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    ADDRESS

    63739 street lorem ipsum City, Country

    PHONE

    +12 (0) 345 678 9

    EMAIL

    [email protected]

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