OUR LOAN OFFERINGS
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FIX AND FLIP LOANS
Our fix and flip loans offer quick approvals, competitive rates, and tailored solutions to help you turn properties into profits. Whether you're a seasoned investor or just getting started, we provide the funding you need to renovate and resell homes quickly.
PROGRAM OVERVIEW
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Property Type- Residential (1-4 Units)
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Loan Amount- $50,000-$5,000,000
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Loan to Cost- Up to 90% of Purchase/100% of Rehab Cost
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Max Loan to ARV- 75%
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Term Length- 12 months, up to 18 months at lenders discretion.
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Recourse- Full Recourse
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Minimum Fico Score: 660
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DSCR LOANS
Our DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors looking to grow their portfolios with ease. With DSCR loans, qualification is based on the income potential of your property not your personal income making them ideal for experienced investors or those with complex financial profiles.
PROGRAM OVERVIEW
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Property Type: Single Family, 2-4 Units, Townhomes, PUD, Warrantable Condos.
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Loan Amounts: $100,000-$50,000,000
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Max LTC: Purchase/ Rate & Term Refinance(80%) Cash out Refi(75%)
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Term Lengths: 5,10, & 30 Years
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Minimum Fico Score: 660
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DSCR PORTFOLIO LOANS
Secure the financing you need for your rental property. Whether you're looking to finance a single-family rental, 2-4 unit properties, condos, or townhomes, we have the solution. Our clear and flexible DSCR portfolio loan terms are designed to meet your needs, with underwriting based on your property's cash flow rather than your personal income.
PROGRAM OVERVIEW
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Property Type: Single Family, 2-4 Units, Townhomes, Warrantable Condos.
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Loan Amount: $250,000-$50,000,000
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Loan Types: 30 Year Fixed Rate Mortgage(Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs(Partially or Fully Amortizing) Maximum Loan to AS IS Value: Purchase/Rate & Term Refinance(80%) Cash Out Refinance (75%)
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Term Lengths: 5,10 & 30 Years
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Minimum Guarantor Fico Score: 660
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Lease Requirements: Minimum Occupancy Rate of 90% by Unit Count Leased Units Lower of (i) In- Place Rent & (ii) Market Rent Unleased Units 90% of Market Rent(Purchase Loans Only)
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GROUND UP CONSTRUCTION LOANS
Our ground-up construction loans are tailored for developers and investors looking to bring new construction projects to life. Whether you're building a residential, commercial, or mixed-use property, we provide the flexible financing you need to start from scratch and see your project through to completion.
PROGRAM OVERVIEW
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Property Type: 1-4 Unit Residences
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Loan Amount: $50,000-$50,0000,000
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LTV: Up to 90% of Purchase, 100% of construction
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Loan Terms: 12-18 Months
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After Repair Value: Up to 75%
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Recourse: Full Recourse
WHO WE ARE
At US Capital Advisors , we are committed to helping investors achieve their dreams. With 20+ years of experience in the real estate mortgage industry, we provide personalized financing solutions designed to meet the unique needs of each client. Our team of dedicated experts offer a range of mortgage options, from construction loans to refinancing.
What sets us apart is our client-first approach. We understand that the process of securing a mortgage can be complex, which is why we guide you every step of the way, offering clarity and transparency. Our mission is to make the mortgage experience simple, straightforward, and stress-free.
Whether you're buying your first investment or expanding your real estate portfolio, we are here to provide the expert advice, competitive rates, and reliable service you can count on. At US Capital Advisors, we don’t just offer loans; we offer lasting relationships built on trust, integrity, and a genuine desire to help you succeed.
CONTACT OUR TEAM
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Have a question or need assistance? Reach out to us for personalized support.
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