Easy Credit Investment LoanNo minimum credit score
30-year fixed-rate permanent financing for investors with derogatory credit and high equity. Max 50% LTV means fast approvals with flexible underwriting.
Up to $5M
High loan amounts
30-Year Fixed
Permanent financing
No Min FICO
Credit flexible
Built for high-equity investors
Not a bridge loan. This is 30-year permanent financing designed for investors with past credit issues who have substantial equity in their properties.
No Minimum Credit Score
Past bankruptcies, foreclosures, or credit issues? No problem. We focus on your equity, not your credit score.
30-Year Fixed Rate
True permanent financing, not a short-term bridge. Lock in your rate for the long term with full amortization or 5-year I/O options.
Fast Approvals
Bankruptcy discharge 1 day OK, mortgage lates acceptable, 1-day title seasoning. Simple documentation.
Long-term permanent financing
Flexible credit requirements for high-equity real estate investors.
Up to $5 Million
Loan amounts from $75K to $5MM for residential, multi-family, and commercial properties.
Max 50% LTV
Conservative loan-to-value ratio means fast approvals and flexible underwriting.
No Minimum Credit Score
Bankruptcies, foreclosures, judgments, tax liens - all OK. We focus on equity, not credit.
30-Year Fixed or I/O
30-year fixed full amortization or 5-year interest-only period with 25-year amortization (30-year total term).
Multiple Property Types
1-4 units, 5+ multi-family, mixed-use, office, retail, warehouse, self-storage, automotive.
Simple Documentation
Easy qualification process. Foreign investors welcome. LLC ownership permitted.
Flexible Terms
Shorter terms available. 5-year declining prepayment penalty. Rate buydowns allowed.
Competitive rates & terms
Loan Structure
- 30-year fixed term (permanent financing)
- 30-year full amortization
- 5-year I/O + 25-year amortization (add 0.25%)
- Shorter terms available
- Loan amounts: $75K - $5MM
- Max 50% LTV on all property types
Flexible Qualification
- No minimum credit score required
- Bankruptcy discharge 1 day OK
- Mortgage lates acceptable
- 1-day title seasoning
- Foreign investors welcome
- First-time investors welcome (1-4 units)
FICO-based pricing
FICO 750+
- 1-4 Units: From 8.115%
- Multi-Family: From 9.49%
- Commercial: From 9.99%
FICO 700-749
- 1-4 Units: From 8.615%
- Multi-Family: From 9.99%
- Commercial: From 10.49%
FICO 699 & Below
- 1-4 Units: From 9.365%
- Multi-Family: From 10.74%
- Commercial: From 11.24%
Perfect for these scenarios
Credit Recovery
Recent bankruptcy, foreclosure, or short sale? High equity lets you access permanent financing while rebuilding credit.
High-Equity Properties
Own properties free and clear or with minimal debt? Unlock liquidity with conservative 50% LTV long-term financing.
Permanent Hold Strategy
Planning to hold for the long term? Get 30-year fixed permanent financing instead of constantly refinancing bridge loans.
High equity? Get permanent financing.
No minimum credit score. Max 50% LTV. 30-year fixed permanent financing up to $5M for high-equity investors.