Programs
SFR, Condo and 2-4 units
1st Liens
- Up to 75% LTV.
- Rates from 9.99%.
- 12 – 24 months loan term.
- Minimum 600 FICO, lower – exception only.
2nd Liens
- Up to 65% CLTV.
Multifamify
1st Liens
- Loan-to-Value (LTV) up to 75%.
- Interest rates starting from 9.99%.
- Loan term options ranging from 12 to 24 months.
- Minimum FICO score of 600, with exceptions considered for lower scores.
2nd Liens
- Combined Loan-to-Value (CLTV) up to 65%.
- Customized financing solutions tailored to your specific needs and circumstances.
Residential
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Commercial loan options
1st Liens
- Loan-to-Value (LTV) up to 75%.
- Starting interest rate from 9.99%.
- Loan term options ranging from 12 to 24 months.
- Minimum FICO score of 600, with exceptions considered for lower scores.
2nd Liens
- Combined Loan-to-Value (CLTV) up to 65%.
- Requires a conventional bank 1st lien, with the bank agreeing to subordinate our junior lien.
- Ideal for businesses seeking additional financing or working capital.
Commercial
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At Lending Bee Inc, we offer flexible fix-and-flip loan options for residential properties (1-4 units) to help you turn your renovation projects into profitable investments.
Loan terms
- Loan-to-Construction (LTC) up to 85%.
- Loan-to-After-Repair Value (LTARV) up to 65%.
- Starting interest rate from 10%.
- Minimum credit score of 640.
- Loan term options: 12 months, with longer terms available depending on the specific scenario.
Eligibility
- “No-experience” flippers considered on a case-by-case basis
- Marketable location is a requirement
Fix and Flip
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General guidelines
- Loan Amount: $150,000 to $25,000,000.
- Loan Term: 12 months, interest-only, with longer terms available in some cases (up to 24 months).
- Credit Score: Not credit score driven, making it accessible to a wider range of borrowers.
- Prepayment Premium: Case by case basis.
- Broker Fees: Minimum of 2 points, case by case.
- Lender Fees: Average of $2,500.
- Other Fees: Valuation and due diligence fees vary depending on the transaction.
Underwriting guidelines
- Experience: First-time investors have a maximum LTV of 65%.
- Income Verification: Simple documentation required.
- Down Payment: No source or equity required.
- Appraisal Process: We offer a streamlined process and cost, contact your Account Executive to learn more.
- Impounds: None.
- Foreign Investors: Maximum LTV of 65%.
Bridge Loans
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Process for Securing A Loan - Here's What To Expect
While the terrain of real estate investment may differ, several fundamental steps remain unchanged when applying for a hard money loan.
Pre-approval
Are you considering ways to maximize your real estate investment? Require quick, adaptable financing? LBC Capital’s hard money loans could be the answer you’re seeking. Featuring no prepayment penalties, these loans allow for early debt clearance if desired. Even with imperfect credit scores, you still have a chance to qualify. Whether it’s your first property investment or complex construction project, our loans offer a promising solution.
Points
As a borrower, you have the option to pay points, which are fees calculated as a percentage of the loan amount, to the lender. This can potentially lower your interest rate. While it may involve an additional fee upfront, it could lead to savings over time through reduced interest payments. We recommend consulting with our loan advisors to determine if this option aligns with your financial goals.
Loan Application
The loan application process involves providing detailed information about yourself, your financial situation, and the property you aim to finance. Our dedicated team meticulously reviews the submitted information, including your credit history.
Down Payment
Usually, we request a down payment to show your commitment and share the investment risk. The exact amount varies based on the loan details and your circumstances. Our Loan-to-Value (LTV) ratio can reach up to 80%.
Appraisal
Property appraisal involves assessing its market value, considering comparable property prices in the vicinity to ensure an accurate and equitable valuation.
Securing a Rate
Given the volatility of hard money loan rates, we ensure the rate you were initially quoted remains unchanged when you lock in your loan rate. Our rates start at 9.99%.
Loan Review Process
Following the appraisal, we carefully review your loan application to ensure it aligns with our lending policies and meets your investment objectives in every aspect.
Signing
Once all preparations are complete, all documents are forwarded to a title company for your signature. Any outstanding fees or funds are settled at this stage.
Fast and flexible financing for your real estate investment projects in Florida
Discover swift and adaptable financing solutions for your Florida real estate ventures with LBC Capital Our extensive array of hard money loans, secured by properties, encompasses fix and flip loans, bridge loans, and construction loans. Our dedicated team of professionals will meticulously assess your requirements and seamlessly guide you through the entire loan process. Elevate your real estate journey by reaching out to us today and unlocking the door to tailored financing success.