HARD MONEY LOANS

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At SL Global, we specialize in providing Hard Money Loans tailored for real estate investors who need fast, reliable financing. Whether it’s purchasing a property, refinancing, cashing out equity, or accessing emergency funds, our Hard Money Loans offer solutions within 5-7 days—perfect for time-sensitive investment opportunities.

What Are Hard Money Loans and Who Can Benefit?

Hard Money Loans are designed for investors seeking rapid funding with minimal complications. These loans provide a competitive edge in competitive markets, enabling investors to act quickly and secure properties without the delays of conventional financing. Whether you’re purchasing a property or tapping into the equity of an existing investment, Hard Money Loans can help you seize unexpected opportunities or meet urgent financial needs.

Why Choose Hard Money Loans?

Investors often use Hard Money Loans to renovate or improve distressed properties, increasing their value and potential profitability. Once upgraded, these properties can be refinanced into long-term loans with lower interest rates, creating a path to sustainable growth. At SL Global, we are dedicated to helping investors unlock the potential of their real estate ventures with fast, flexible financing solutions.

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FIX AND FLIP LOANS

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At SL Global, we provide financing solutions tailored for real estate investors, including Fix and Flip loans that cover up to 100% of the purchase price and up to 100% of renovation costs, as long as the total loan does not exceed 75% of the property’s after-repair value (ARV). These loans empower investors to revitalize properties and maximize resale value for a profitable return.

Who Can Benefit from Fix and Flip Financing?

Our Fix and Flip loans are designed for real estate investors who need fast, flexible funding to secure and renovate properties. With our streamlined process, you can confidently make competitive “all-cash” offers and enjoy seamless, quick closings. These loans are ideal for short-term projects and provide an accessible alternative to conventional financing.

Key benefits include:

• Minimal Requirements: No need for income, asset, or employment verification. Credit score and prior experience are less critical.
• Fast Funding: We prioritize efficiency to ensure your projects stay on track.
• Flexible Terms: Perfect for short-term financing needs with higher rates offset by the ease of access.

At SL Global, we take pride in simplifying the loan process with practical underwriting and efficient closings. We highly value partnerships and referrals, offer broker protection, and remain committed to delivering exceptional client satisfaction every step of the way.

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BRIDGE LOANS

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Who Benefits from a Bridge Loan and How It Works?

Bridge Loans provide a fast and efficient way to unlock cash from a property with minimal documentation. At SL Global, we offer Bridge Loans that can be funded in as little as 5-15 days, making them an ideal solution for investors in need of quick capital.

What Are Bridge Loans and Who Should Consider Them?

Originally designed to bridge the financial gap between selling one property and purchasing another, Bridge Loans have evolved to serve a variety of needs. Many investors use them to tap into a property’s equity, accessing cash quickly for down payments on other properties or funding investment opportunities and business ventures.

Key Advantages Include:

• Rapid Funding: Perfect for investors who need immediate cash to secure opportunities.
• No Need for Equity Partners: Maximize your profits and avoid the complications of shared ownership by choosing a Bridge Loan over equity financing.
• Flexibility: Make competitive “all cash” offers on properties to stand out in the market.

Why Choose Bridge Loans?

• Flexible Terms: Loan-to-value ratios range from 60% to 80%, with terms from 3 months to 3 years and interest-only payment options.
• Minimal Requirements: No credit score minimums, making these loans accessible to a broader range of investors.

Whether you’re looking to fund a new investment, make a cash offer, or avoid delays associated with traditional financing, Bridge Loans offer a flexible and efficient pathway to achieving your goals. At SL Global, we’re committed to providing the fast, straightforward funding solutions you need to seize your next opportunity.

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LONG TERM RENTAL/DSCR LOANS

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Who Benefits from a Long-Term Rental/DSCR Loan and How Does It Work?

At SL Global, we understand the challenges real estate investors face when seeking financing for rental projects. Traditional lenders often base approval on personal income, which can be problematic for investors who claim tax deductions, reducing their net income on paper. That’s where DSCR (Debt Service Coverage Ratio) loans come in—designed specifically for investors to simplify the financing process and prioritize the cash flow of the property itself.

What Are DSCR Loans and Who Should Use Them?

DSCR loans are an excellent option for both new and experienced investors looking to purchase or expand their rental property portfolios. Unlike conventional loans, DSCR loans focus solely on the rental income generated by the property rather than the borrower’s personal income or employment history. This approach offers flexibility, faster approvals, and streamlined qualifications.

How Does a DSCR Loan Work?

The Debt Service Coverage Ratio measures a property’s ability to generate sufficient income to cover loan payments. It is calculated by dividing the total rental income by the debt service (monthly loan payments).

• A DSCR of 1.0 indicates the property earns just enough to cover loan payments, but most lenders prefer a DSCR of 1.25 or higher to account for additional expenses like repairs, maintenance, and other obligations.
• A higher DSCR makes investors more appealing to lenders, potentially qualifying them for larger loan amounts and better interest rates.
• Some lenders may allow exceptions for DSCRs below 1.0 with higher down payments, but this is rare.

Why Choose DSCR Loans?

The Debt Service Coverage Ratio measures a property’s ability to generate sufficient income to cover loan payments. It is calculated by dividing the total rental income by the debt service (monthly loan payments).

• Simplified Qualification: Focuses on property cash flow instead of personal income or employment history.
• Faster Approvals: Streamlined process means you can close quickly and focus on your investment.
• Portfolio Growth: Ideal for expanding your rental property holdings without the hurdles of conventional financing.

To apply, you’ll need to provide documentation such as a signed lease agreement showing current rental income or a property appraisal to verify its potential cash flow. At SL Global, we’re here to guide you through the process, helping you secure the financing you need to maximize your real estate investment opportunities.

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CONSTRUCTION/LAND DEVELOPMENT LOANS

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Who Benefits from a Construction Loan and How It Works?

Construction loans are a temporary financing solution designed for construction firms, developers, and builders to fund various stages of the construction process. Typically lasting 18-36 months, these loans cover early development, entitlements, and vertical construction once permits are secured. With a structured draw schedule, funds are released in phases to ensure contractors and subcontractors are paid on time, promoting steady progress throughout the project.

Who Should Consider a Construction Loan?

Construction loans are ideal for borrowers and developers working on projects such as:

• Multifamily housing
• Single Family homes
• Affordable housing developments
• Medical and business offices
• Industrial buildings
• Retail outlets
• Storage facilities

These loans provide the flexibility to cover a range of expenses, including:

• Payroll and operational costs
• Materials procurement
• Land acquisition
• Land development

How Do Construction Loans Work?

Unlike traditional loans that disburse the full amount at closing, construction loans release funds incrementally based on a draw schedule outlined in the loan agreement. For example:

• The first draw may cover land acquisition costs.
• Subsequent draws could be allocated for milestones such as foundation work or framing.

Before each disbursement, an inspector typically verifies the completion of the specified milestone, ensuring funds are used as intended and projects remain on track.

Key Benefits of Construction Loans

• Pay-As-You-Go Interest: Borrowers only pay interest on the funds drawn, not the total loan amount. For instance, if you have a $1 million loan but have accessed $200,000, interest is calculated on $200,000.
• Interest-Only Phase: Many lenders offer an interest-only period to ease cash flow during construction.

At SL Global, we work closely with developers and builders to tailor construction loans to their specific needs, ensuring projects are completed on time and within budget. Let us help you bring your vision to life with flexible and efficient financing.

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COMMERCIAL MORTGAGE LOANS

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Who Benefits from a Commercial Loan and How It Works?

A commercial real estate loan is specifically designed to help businesses and investors acquire, develop, or improve commercial properties. Unlike residential loans aimed at individual homeowners, these loans cater to properties intended for business use, including office buildings, retail spaces, warehouses, multifamily housing, and hotels.

Who Can Benefit from a Commercial Loan?

These loans are ideal for:

• Businesses looking to purchase or expand their physical locations.
• Investors seeking to acquire income-generating properties.
• Developers focused on new construction or major renovations.
• Property owners looking to refinance or restructure existing debt.

How Commercial Loans Work

A commercial real estate loan functions differently from residential loans and involves the following elements:

• Purpose: Funds can be used to purchase property, refinance an existing loan, develop land, or renovate commercial spaces.
• Lenders: Available through banks, credit unions, private investors, or CMBS (Commercial Mortgage-Backed Securities) lenders.
• Loan-to-Value (LTV): Lenders typically finance a percentage of the property’s appraised value—commonly up to 80%. For example, on a $1 million property, a lender might loan up to $800,000.
• Interest Rates: Rates can be fixed or variable and are generally higher than residential mortgage rates due to the higher risk.
• Repayment Terms: Terms usually range from 5 to 20 years, often with balloon payments at the end. Some loans may feature longer amortization schedules than their terms.
• Fees: Borrowers can expect origination fees, appraisal costs, and potential prepayment penalties.
• Collateral: The commercial property itself serves as collateral. In case of default, lenders can foreclose on the property.
• Qualification: Lenders assess creditworthiness, business profitability, and the property’s potential income. Key metrics include the Net Operating Income (NOI) and Capitalization Rate (Cap Rate) to determine property value and loan limits.
• Recourse vs. Non-Recourse Loans:
• Recourse Loans: The borrower is personally liable for repayment.
• Non-Recourse Loans: Lenders can only recover the property as collateral in case of default.

For Construction Loans

Funds are released incrementally based on a draw schedule tied to construction milestones, ensuring steady progress and financial oversight.

Why Choose a Commercial Loan?

Commercial loans provide the capital necessary to seize opportunities in the business real estate market, whether acquiring new properties, expanding portfolios, or undertaking large-scale renovations. At SL Global, we work closely with borrowers to ensure transparent, efficient financing tailored to their unique needs, helping them maximize the potential of their investments.