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Which Refinance or Refi Cash-Out Loan Is Best for You?

(1) Low Rate Multifamily FHA/HUD, Fannie Mae & Freddie Mac Loans:

  • Nationwide 
  • Refinance, Refi Cash-Outs & Purchase Loans
  • $1 Million to $100 Million+
  • Multifamily, mixed-use, mobile home parks, affordable, student and senior housing 
  • Term: 30+ Years
  • 2.75% to 4.25%
  • No or low points
  • Refinance or Refi Cash-Out up to 80% of appraised value
  • Fully Amortizing with no balloons
  • Nonrecourse
  • No tax returns required
  • Primary locations with 50,000+ population within 5 miles 
  • For stabilized, well maintained, 90%+ occupied last 3 months with annual leases paid monthly
  • Debt Service Coverage Ratio 1.25X+
  • Must have recent similar multifamily investment exprience 
  • 680+ middle credit score
  • Net worth (combined for all key principals) greater than loan amount  
  • Liquidity (combined for all key principals) greater than 10% of loan amount
  • No bankruptcy or foreclosures in last 5 years
  • Assumable 
  • Takes longer to close than private money and hard money bridge loans
  • No upfront Eagle fees; we are paid when your loan is funded at closing.

(2) Low Rate Residential Rental Portfolio or Single Rental Property Private Money Loans for credit worthy investors with stabilized properties who want a better alternative than bank financing…

  1. Nationwide
  2. Single rental loans: $250,000 to $10 Million per property
  3. Portfolio rental loans: ($40,000+ per property with $1 Million total loan minimum)
  4. Interest rate: 4.25 to 6.25%+
  5. Term: 30 year fixed
  6. No baloon payments 
  7. 30 year amortization for low monthly payments
  8. Refinance or cash-out 65% to 75% of appraised value 
  9. No tax returns, W-2s, 4506T or income verification required
  10. 680+ FICO credit score
  11. Foreign Nationals welcome!
  12. PRE APPROVAL LOI within 24 business hours
  13. Loans close in 4 weeks
  14. No upfront fees

(3) Low Rate Multifamily, Commercial and Mixed-Use Private Money Loans for credit worthy investors with stabilized properties

  • Nationwide
  • Multifamily, commercial and mixed-use properties
  • $500,000 to $100 Million Nationwide 
  • 3.1% to 3.73% 30 year fixed
  • 2.92% to 3.35% 5 year fixed
  • Interest only option
  • Refinance up to 80%; Cash-out up to 75%
  • Mezzanine financing available
  • Amortization: 30 years
  • Flexible prepayment options
  • Primary locations with 50,000+ population within 5 miles 
  • For stabilized, well maintained, 90%+ occupied last 3 months with annual leases paid monthly
  • Debt Service Coverage Ratio 1.25X+
  • Borrower must have recent experience owning similar multifamily property(s) 
  • 700+ middle credit score required for all principals
  • Tax returns required 
  • Net worth (combined for all key principals) greater than loan amount  
  • Liquidity (combined for all key principals) greater than 10% of loan amount
  • No bankruptcy or foreclosures in last 5 years
  • Low loan costs
  • Points: 2 to 3
  • PRE-APPROVAL LOI in 24 business hours
  • Loans funded 4 weeks after we receive your completed loan docs
  • Non-recourse option
  • No upfront Eagle fees..we are paid when your loan is funded at closing

(4) Small Balance Multifamily, Commercial and Mixed-Use Loans for non-bankable borrowers

  1. Nationwide
  2. $500,000 to $1.5 Million ($1 Million+ only in major MSA’s)
  3. 7.99%+
  4. Term: 5 to 25 years
  5. Refinance or Refi Cash-out up to 70%
  6. Amortization: 30 years
  7. Prepayment: 5/4/3/2/1 declining
  8. Primary locations with 50,000+ population within 5 miles 
  9. Requires property 80%+ occupied last 3 months with annual leases paid monthly
  10. Debt Service Coverage Ratio: 1.25X+
  11. Borrower must have recent experience owning similar multifamily property(s) 
  12. 600+ middle credit score
  13. Tax returns required 
  14. Net worth (combined for all key principals) greater than loan amount  
  15. Liquidity (combined for all key principals) greater than 10% of loan amount
  16. No bankruptcy or foreclosures in last 3 years
  17. Low loan costs
  18. Points: 3+
  19. PRE-APPROVAL LOI in 24 business hours
  20. Loans funded 4 weeks after Eagle receives your completed loan docs
  21. No upfront fees..we are paid when your loan is funded at closing.

(5) Bridge and Hard Money Loans: used by real estate investors and developers to:

  • Refinance expiring balloon loan to a permanent loan with better terms
  • Refi cash-out to make repairs so property qualifies for permanent loan   
  • Refinance expiring term until refinance with a FHA/HUD, FNMA or Freddie Mac loan 
  • Carry a subdivision development until the homes are sold
  • Stabilize a multifamily property so it’s cash flow and debt obligations qualify for a permanent loan
  • Cash-out to finish a rehab or construction project that’s exhausted its financing
  • Nationwide  
  • $500,000 to $100 Million
  • Multifamily & mixed-use
  • Term: 12 to 36 months
  • 7.99% to 10.75%
  • Interest only
  • Prepayment penalties: minimal 
  • Refinance 60 to 70% of appraised value
  • Finance Rehab & Construction up to 85% LTC up to 70% of ARV
  • 620+ credit
  • Payoff past due property and income taxes
  • Loans close 4 weeks after Eagle receives your completed loan docs

Get Your Free Refinance or Refi Cash-Out Loan PRE-APPROVAL LOI in 24 Business Hours by clicking the blue Refinance and Refi Cash-Out Loan Link. Will take you less than 4 minutes to click through. No upfront fees, Social Security Numbers, credit checks or credit cards are required.

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