By capital / December 29, 2021

Looking for Financing Specifically for Multi-Family & Mixed-Use Properties?

Campos Capital Group offers short-term bridge financing, fix and flip financing, & long-term rental financing for 5+ unit apartments & mixed-use properties.

Loan Criteria

Collateral:

Multi-family apartment buildings (5+ units); mixed-use properties (residential space that is greater than 50% of square footage)

Term:

18 Months (extended terms available)
30 Years (amortization options available)

Loan Amount:

Short-Term: $250K – $10M ($1M max per unit)
Long-Term: 
$250K – $3M

FICO:

Short-Term: 620 minimum
Long-Term: 680 minimum

LTV:

Stabilized Bridge
Purchase: Up to 80% of the As-Is value
Refinance: Up to 75% of the As-Is value
Cash-Out: Up to 65% of the As-Is Value

Fix & Flip

Purchase: Up to 85% of the purchase price + 100% of renovation costs
Refinance: Up to 75% of the As-Is value + 100% of renovation costs
Cash-Out: Up to 65% of the As-Is value + 100% of renovation costs

Long-Term

Purchase: Up to 75% of the As-Is value
Refinance: Up to 75% of the As-Is value
Cash-Out: Up to 70% of the As-Is value

Loan Program Typical Leverage & Rates

STABILIZED BRIDGE

Maximum Loan-to-Value

 Purchase

 

Up 80% of the As-Is value

 

 

Refinance

 

Up to 75% of the As-Is value 

 

Cash-Out

 

 

Up to 65% of the As-Is value

 

FIX & FLIP

Maximum After-Repair Value

Maximum Loan-to-Value

Experienced Customer -(Completed 3+ Flips or Owned 3+ Rentals in the last 3 Years)

Purchase

Light Rehab

Refinance

Cash-Out

Up to 75% of the ARV

Up to 65% of the ARV

Up to 60% of the ARV

Up to 85% of purchase price + 100% of rehab costs

Up to 75% of As-Is value + 100% of rehab costs

Up to 70% of As-Is value + 100% of rehab costs

Purchase

Heavy Rehab*

Refinance

Cash-Out

Up to 65% of the ARV

Up to 60% of the ARV

Not permitted

Up to 75% of the purchase price + 100% of rehab costs



Up to 65% of As-Is value + 100% of rehab costs

Not permitted

New Customer -(Completed < 3 Flips or Owned < 3 Rentals in the last 3 Years)

Light Rehab

Refinance

Up to 65% of the ARV

Up to 70% of purchase price + 100% of rehab cost

*Rehab budget is greater than or equal to 100% of As-Is value (for purchase & refinance) or purchase price (of a purchase), involves more than a 20% expansion of the property of at least 750 sq ft, or involves a change of use.

Long-Term Rental

Fico

Maximum Loan-to-Value (LTV)

Maximum Loan-to-Cost (LTC)

Purchase

700+

Up to 80% of the As-Is value

Up to 80% Loan-to-Cost

680 – 699

Up to 75% of the As-Is value

Up to 80% Loan-to-Cost

Fico

Maximum Loan-to-Value (LTV)

Refinance

700+

Up to 80% of the As-Is value

680 – 699

Up to 75% of the As-Is value

Fico

Maximum Loan-to-Value (LTV)

Cash-Out

700+

Up to 80% of the As-Is value

680 – 699

Up to 75% of the As-Is value