About This Service

Private and hard money financing options are available for real estate investments, featuring deferred payment structures.

Key Features and Benefits

• Enhanced Cash Flow: Borrowers are not required to make monthly payments throughout the loan term, which optimizes short-term liquidity.
• Adaptable Repayment Schedule: The full amount of interest and principal is due upon a qualifying liquidity event, such as the sale of the asset, receipt of an inheritance, or a retirement fund distribution.
• Possible Tax Efficiency: Interest may be deductible at the loan\'s maturity, potentially offering tax benefits based on the borrower\'s individual situation. It is recommended to consult with a tax professional.
• Simplified Procedure: This financing model provides a more direct and expedient alternative to products like reverse mortgages.
• Equity Protection: The structure avoids equity-sharing agreements, thereby preserving the borrower\'s full entitlement to future property appreciation.

Loan Parameters

• Loan-to-Value (LTV) Ratio: 50-55%
• Product Types: Private money and bridge loans with terms of 12 to 36 months.
• Eligible Properties: Business-purpose loans for both owner-occupied and non-owner-occupied properties.
• Additional Offerings: Conventional owner-occupied loans, commercial loans, and commercial bridge purchase loans.
• 100% Financing Option: Available through cross-collateralization.

Streamlined Qualification

• No tax returns necessary.
• Credit challenges may be considered on a case-by-case basis.
• No upfront or application fees; only a third-party appraisal fee is required.
• No employment verification needed.

Licensing Information

DRE #01386369
DRE #01380459
NMLS #1405803

Contact Information

Contact Mary Ann at 310-507-9147 or visit www.AllCaliforniaLoans.com

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