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Loan Terms
Guidelines

Private Money is an excellent investment tool for maximizing cash flow and leverage when scaling your real estate portfolio.

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CA Solutions and Services currently lends to business entities for investment purposes only, such as LLC or Corp. 

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Private money loans are asset-based loans that typically come with a short maturity . These short-term loans have higher interest rates and fees than traditional ones, but offer much quicker access to funds and interest only rates for real estate investors.

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Private money is and excellent real estate tool, as long as you understand how to take advantage of what it offers in order to profit from  it. They can be used for acquisition financing and/or renovation and can be customized depending on each unique situation.

Loan Terms

Bridge Loan

Short-term funding that helps investors purchase or improve a property while waiting for another to sell.

 

  • Max Allowed:  Loan to cost (LTC) Max 90%

  • Loan to value: Max 75% with Approval

  • No Minimum FICO score

  • Minimum Loan Amount: $30,000

  • Loans Max: 12 Months

  • Up to 90% LTV on "as is" and up to 75% ARV

Fix and Flips

Fast financing for purchasing and renovating investment properties, with terms designed for single-family rehab projects.

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  • Loan to Cost: Max 90%

  • Loan to Value: Max 75% with Approval

  • No Min. FICO score

  • Minimum Loan Amount $30,000

  • Loans Max: 12 Months

  • Up to 90% LTV on "as is" and up to 75% ARV

DSCR Rental Loans

Flexible rental-property financing based on the property’s cash flow—not your personal income. Great for purchase, renovation, refinance, or cash-out strategies.

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Cross-Collateral allowed on 2 or more properties. Portfolio loans available on a case-by-case basis.

  • Approval based on the Property Cashflow

  • Origination Points Starts As Low As 1.5%

  • No Minimum FICO score

  • Interest Rates Starts As Low As 5.99%

  • Loan amount $75K to 2 Million (up to 80% LTV)

Construction Loans

Capital for land acquisition and new builds, giving investors the funds needed to launch and complete construction projects.

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  • Collateral: Non-Owner Occupied Single Family Properties

  • Term: 12 to 24 Months

  • Minimum Property Value $150K** (** As-Completed Value)

  •  Loan Amount: As is – up to 75%

  • Leverage Based on Experience Documented in the past 3 years

  • Rates Starting at 8.5%

  • Loan Amount$100K* – $3M (*Based on Loan Amount)

  • Credit Score: 650 Minimum

  • ARV up to 85%

JV Partnership

Joining forces is a lucrative way to get your deal done. A joint venture with CA Solutions and Services will get you.

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  • Up to 100% Rehab Costs

  • 75% of LTV

  • Closing Costs Covered

  • Reliable Partnership for Future Deals

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Only applicable for Fix and Flips, Refinance and Bridge Loans.

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