Residential investment financing should fit the property, borrower, leverage, business plan and exit strategy. J3 reviews the transaction first, then evaluates financing paths that may fit.
Availability, eligibility and terms depend on the specific borrower, property and capital provider.
Short-term financing for acquiring and improving investment properties intended for resale or refinance. Review typically centers on purchase economics, scope of work, projected value, experience, liquidity and exit strategy.
Short-duration financing for acquisitions, renovations or transition periods when permanent financing may not yet fit the property or timeline.
Financing for rental investments where the property’s ability to support debt service is a central underwriting consideration.
Capital for qualifying residential construction projects, evaluated around land or acquisition basis, plans, budget, experience, timeline and exit.
Longer-duration financing for stabilized investment properties, including acquisitions and refinances where the property and borrower fit available programs.
Fix and flip financing is typically short-term capital used to acquire and renovate an investment property before resale or refinance. Eligibility and terms depend on the borrower, property, project and capital provider.
A DSCR loan is rental-property financing in which the property’s income relative to its debt obligations is an important underwriting factor. Requirements vary by lender and transaction.
Bridge or hard money financing is generally short-duration capital used when speed, property condition, renovation or a transition to longer-term financing makes conventional permanent debt less suitable.
Some financing programs can include eligible rehabilitation costs. The amount and structure depend on the project, leverage, borrower qualifications and lender guidelines.
Ground-up construction financing is typically advanced against an approved project budget and construction plan, often through draws as work progresses. Structure varies by lender.
J3 evaluates refinance requests for qualifying investment properties, including transitions from short-term financing to longer-duration rental or commercial debt where appropriate.
Common items include borrower and entity information, property details, purchase or payoff documentation, budgets, leases or rent information, liquidity documentation and other transaction-specific materials.
Submit the opportunity and select the funding type that fits your transaction.
