Products

Choose the right offering for you

The business of finding and securing an investment property loan to expand your real estate portfolio doesn’t have to be a challenge. Thanks to 5 Arch Funding’s certainty and speed of execution, the funding portion of your next fix and flip or rental property project can be expedited. Our borrower-centric programs provide solutions across your investment strategy and asset class from Single Family Residences to Multifamily. We have the smart capital solution. When time is money, it’s time to lock in with a company that not only works for you but with you!

Find out more: Fix and Flip Loans | Rental Property Loans | Multifamily Loans

 

Borrower Types
Individual or Entity
Personal Guaranty
Generally Required
Property Types
Investment - SFR (1-4), Condos (limited)
Loan Amount
$100,000 - $15 Million+
Loan To Value
Up to 85%
Rates
As low as 7.25% / 9.177% APR1
Loan Term
6 Months - 24 Months
Prepayment
3 Months

Underwriting Guidelines

Credit Score
620+
Operating History
1 Year
Prior Transactions
2x12
Bankruptcy or Foreclosure/Short Sale
0x48
Asset Class
Single Asset Loan
Borrower
IRA, Individual or Entity No first-time investors
Guarantor
Full Recourse — Individual Non-Recourse — IRA (minimum FICO of 620)
Loan Amount
Min: $100k Max: 15m+
Loan To Value
Up to 60% I/O or 75% Amortized
Collateral
SFRs (1-4 units) Townhomes Condos
Interest Rate[1]
4.85% / 5.026% APR2 based on spread + swap rate
Term
30-year term
Amortization
30-year amortization 5/1 or 7/1 Hybrid ARM (caps – 3%/1%/5%)
Prepayment
3%-2%-1%
DSCR Min
1.15
Foreign National
Allowed (up to 70% LTV) with additional docs
Costs to Borrower
Orgination fee, doc fee, and valuations
Product Criteria
Business Purpose Loans • Borrower Experience Required • No Bankruptcy or Foreclosure / Short Sell within the last 4 years • No rural properties

Underwriting Guidelines

Credit Score
650+
Operating History
2 Years
Prior Transactions
N/A
Bankruptcy or Foreclosure/Short Sale
0x48
Borrower Types
Individual or Entity
Personal Guaranty
Generally Required
Property Types
Multifamily up to 100 units
Loan Amount
$500k-$20m per property
Loan to Value
Up to 80%
Rates
As low as 7.99% / 8.95% APR3
Loan Term
12 Months + 1 Extensions (1 pt for additional 6 months)
Prepayment
3 Months

Underwriting Guidelines

Credit Score
620+
Operating History
1 Year
Prior Transactions
N/A
Bankruptcy or Foreclosure/Short Sale
0x48

Are you an International Investor?

To qualify for the programs above, foreign-owned entities must be actively registered in the state where investment activity is to occur, with an open bank account at a state or federally-chartered bank. Additional internal screening of the entity’s principals may apply.

  1. 5 Arch Funding Corp./NMLS ID # 1039184. Arizona Mortgage Broker License # 0933148; Oregon Mortgage Lending License Number ML-5475. In California, loans are made under the California Real Estate Law, DRE Corporation License # 01928500. *9.177% APR is based on a $500,000 loan with a term of one year at an interest rate of 7.25% and an origination fee of 2%. Interest-only payments for 11 months, with final payment of all principal, remaining interest and fees. Rate is based on a loan secured by real property in California; higher rates apply to loans secured by real property in states other than California. Terms may vary based on your particular situation. 5 Arch Funding Corp. makes first lien mortgage loans. In Georgia, 5 Arch Funding Corp. only loans to entities.

  2. 5 Arch Funding Corp./NMLS ID # 1039184. Arizona Mortgage Broker License # 0933148; Oregon Mortgage Lending License Number ML-5475. In California, loans are made under the California Real Estate Law, DRE Corporation License # 01928500. *5.026% APR is based on a $500,000 loan with a term of five years at an interest rate of 4.85% and an origination fee of 1%. Interest-only payments for 59 months, with final payment of all principal, remaining interest and fees. Interest-only payments for 11 months, with final payment of all principal, remaining interest and fees. Rate is based on a loan secured by real property in California; higher rates apply to loans secured by real property in states other than California. Terms may vary based on your particular situation. 5 Arch Funding Corp. makes first lien mortgage loans. In Georgia, 5 Arch Funding Corp. only loans to entities.

  3. 5 Arch Funding Corp./NMLS ID # 1039184. Arizona Mortgage Broker License # 0933148; Oregon Mortgage Lending License Number ML-5475. In California, loans are made under the California Real Estate Law, DRE Corporation License # 01928500. *8.95% APR is based on a $500,000 loan with a term of 1 year at an interest rate of 7.99% and an origination fee of 2%. Interest-only payments for 11 months, with final payment of all principal, remaining interest and fees. Terms may vary based on your particular situation. 5 Arch Funding Corp. makes first lien mortgage loans. In Georgia, 5 Arch Funding Corp. only loans to entities.

  4. Rates and Points may decrease/ increase depending on standard underwriting criteria.

  5. 5 Arch RateMatchSM is the service mark of 5 Arch Funding Corp. Some restrictions apply. For more information, see http://www.5arch.com/ratematch. 5 Arch Funding Corp. does not guarantee to match the rates of other financial institutions. 5 Arch RateMatchSM is available only for similar loan products made by private lenders for real estate investors. 5 Arch RateMatchSM is not available against depository institutions or for unrelated loan products.

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