About This Service

Private and hard money financing options for real estate are available with deferred payment structures.

Benefits for Borrowers:

• Optimized Cash Flow: Eliminate monthly payments throughout the loan term to maximize short-term liquidity.
• Flexible Repayment Schedule: Full repayment of principal and interest occurs upon a qualifying liquidity event, such as property sale, inheritance receipt, or retirement distribution.
• Possible Tax Advantages: Interest deductions may be realized at the loan\'s maturity, potentially offering tax benefits. Borrowers should consult a qualified tax advisor regarding their specific situation.
• Simplified Process: This financing structure provides a more streamlined and straightforward alternative compared to products like reverse mortgages.
• Equity Preservation: Avoid equity-sharing agreements that can dilute the borrower\'s share of future property appreciation.

Loans are offered at a loan-to-value ratio of 50-55%.

Loan Program Details:

• Business purpose loans for owner-occupied and non-owner-occupied properties.
• Conventional owner-occupied financing is also available.
• 100% financing options exist through cross-collateralization.
• No tax returns are required for qualification.
• Credit challenges may be considered on a case-by-case basis.
• There are no upfront or application fees. Appraisal fees are paid directly to the appraiser.
• Employment verification is not required.

DRE #01386369
DRE #01380459
NMLS #1405803

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

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