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
$75,000 - $5 Million
Loan To Value
Up to 75%
Rates
As low as 7.99% / 8.619% APR
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: $75k Max: within conforming limits
Loan To Value
Up to 75% (amort) No I/O
Collateral
SFRs (1-4 units) Townhomes Condos
Interest Rate[1]
5.25% - 6.037% 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
up to $10 Million per property
Loan to Value
Up to 80%
Rates
as low as 7.99% / 9.99% APR
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. Rates and Points may decrease/ increase depending on standard underwriting criteria.

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