CONSTRUCTION LOAN

Hard money construction loans are frequently used to finance residential or commercial new construction projects. Typical construction loans run for six to twelve months, require interest-only payments – that are often bundled into the loan itself – and are funded in installments that follow a predetermined schedule of milestones. At Capital Insiders, we understand the needs of builders and developers and know timelines don’t often go as planned. Construction loans are repaid when the work is complete, and the property is either sold or refinanced.

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Bridge Loans

Bridge loans are used as a temporary source of capital until a more traditional source can be secured.

Our bridge loan program is a great short-term financing solution for investors looking for additional time to stabilize a property for an upcoming refinance or sale.

Why would someone want to use a bridge loan?
Developer: Needs capital to continue construction or development while waiting for equity financing to close.
Investor: Purchases an apartment complex and requires funds for renovation/operation while locating renters.
Buyer: Needs funds ASAP to purchase a prime piece of property.

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Refinance / Cash-Out

Cash-out refinance loans on commercial and residential real estate for business purposes are one of the most common loan scenarios we see today.

With traditional lenders limited to strict loan parameters, we at Capital Insiders, focus on equity over borrower financials. This gives the borrower the liquidity needed for their individual situation. Our underwriting guidelines for cash-out refinance loans focus on equity, not borrower credit. We have originated cash-out refinance loans for borrowers with low credit scores, prior bankruptcies, and foreclosures. If a bank turns you down for a cash-out or refinance loan, call us!

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