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Real Estate Loans.

1031 EXCHANGE WITH BRIDGE LOAN PROGRAM.

A 1031 Exchange is a tax-deferred strategy that allows investors to replace one investment property with another without paying immediate capital gains tax. It is commonly used to upgrade or optimize real estate portfolios while preserving investment value. This approach helps investors grow their assets more efficiently over time. A bridge loan can also be used to access the equity of an existing property to help purchase a new one quickly and smoothly.

Fix And Flip Financing.

The real estate market is experiencing strong activity, with many investors achieving high returns through fix and flip projects. To take advantage of these opportunities, quick and flexible financing is essential. Fix and flip financing helps investors purchase, renovate, and resell properties efficiently. This type of funding supports fast decision-making and smooth project execution, making it easier to complete real estate investments successfully.

10/40 Fixed-Rate Interest Only Loans.

10/40 fixed rate interest-only loans offer a flexible financing option for homeowners and property investors looking to leverage their home equity. These loans allow borrowers to benefit from low, interest-only payments for an extended period while maintaining control over their monthly cash flow. The structure helps make monthly payments more affordable while still keeping long-term financial planning in mind. Borrowers also have the flexibility to switch to fully amortized payments without facing any penalties, providing added convenience and control.

Foreign National Loan Program.

The Foreign National Program is designed to address the unique challenges faced by foreign nationals when applying for financing. It helps simplify the process of credit and asset verification for international borrowers. With a team of experienced professionals, the program ensures smoother processing and timely loan approvals. This makes it easier for clients to secure funding with minimal hassle and delays.

Asset Depletion / Asset Qualifier Program.

Borrowers with strong credit but no consistent monthly income can use their assets to qualify for a mortgage. This program allows financial assets to be considered as a source of repayment ability, making financing more accessible. Compared to traditional asset depletion methods, the Asset Qualifier program can effectively increase the qualifying monthly income. This is because the assets are divided over a shorter draw period, typically 5 years, improving borrowing capacity and flexibility.

Industry Leading Investment Property Loans.

We understand the unique needs and challenges faced by property investors in today’s competitive market. That’s why we provide innovative financing solutions tailored to different investment strategies and goals. Our approach focuses on common-sense underwriting that makes the loan process smoother and more efficient. We aim to offer investors greater flexibility with more financing options and competitive rates. By simplifying approvals and reducing unnecessary delays, we help ensure a seamless funding experience. Our goal is to support investors in achieving their property ambitions with confidence and ease.

12-Month and 24-Month Bank Statement Mortgage.

We offer loan programs designed for self-employed borrowers with unique financial needs. Our Bank Statement Mortgage program uses common-sense underwriting based on real cash flow instead of traditional income proof. Pre-qualifications are typically completed within 24 hours for faster decisions. This helps reduce surprises and gives more confidence during the loan process.

Ground-Up Construction Loans.

Our Ground-Up Construction loans are built for experienced builders who need flexible financing to move quickly. We offer fast pre-qualifications, flexible terms, and a loan process that keeps things moving, so you can help your clients start building without unnecessary delays.

Meet boost.

Homebuyers across the country are facing a challenging market — high prices, and even higher interest rates are on everyone’s minds.

BOOST (Bridge Option Offering Seamless Transition) bridges the gap for buyers to overcome these obstacles by equipping them with the fast funding they need to close their next property successfully.

Jumbo Loans Up to $3,500,000.

Condotel Loans.

You can now offer borrowers financing for condotels with flexible program options and reliable service. The industry-leading Bank Statement Program calculates income and provides a pre-qualification within 24 hours. Purchase loans offer up to 75% LTV, while rate-and-term refinances go up to 70% LTV with a 740 minimum FICO. Cash-out refinances are available up to 65% LTV with a 740 minimum FICO. These programs are available for investment properties and second homes only.

Non-Warrantable Condos.

Now you can stop turning away business and offer borrowers financing for their non-warrantable condos – all with the program options and service levels that you’ve come to expect from LendSure. Expand your Real Estate Agent network by offering these sought-after loan solutions.

Up to 50% commercial space permitted
New construction buildings permitted
Allowed on Investor Cash Flow Program
Industry-leading Foreign National Program

DSCR “Ease of Use”.

The Ratio is Your Income: No additional income documentation required.
Simplified Documentation: Only a completed Schedule of Real Estate Owned (SREO) is needed.
No External Ratings: Mortgage ratings on other properties are not required.
Limited Verification: No need to verify taxes and insurance on other properties.
Investor-Friendly: Close multiple loans for the same investor simultaneously.
Efficient Execution: Fast closings with minimal conditions.

Profit & Loss (P&L) Program.

Now self-employed borrowers can qualify for loans based on their business’s Profit & Loss (P&L) statement. Our new streamlined P&L Loan Program is a great solution for business owners with fluctuating seasonal income or cash businesses.

Easy review with no bank statements required for loan amounts up to $1,000,000
Loan amounts up to $1,500,000 with two months business bank statements
LTV up to 80%, depending on borrower FICO score
Cash-out up to $500,000 for LTV up to 65% and $350,000 for LTV up to 75%

Expanded Approval Loans.

“Expanded Approval” enhanced loan programs are designed to provide more flexible and accessible financing options for a wide range of borrowers. These programs offer higher loan-to-value ratios, allowing funding of up to 85% LTV, along with larger loan amounts of up to $3,000,000.

They include 12-month and 24-month bank statement options with fast pre-underwriting decisions in as little as 24 hours. Both personal and business bank accounts can be used, and multiple documentation types are accepted, including full documentation, self-employed full doc, bank statements, or asset depletion qualification.

Additionally, these programs support non-warrantable condos and condotels, giving more property eligibility and flexibility. Competitive pricing and broader qualification criteria make it easier to serve a wider range of financing needs.

Alt-A Loan Programs.

Our Super Prime / Alt-A program offers borrowers with excellent credit highly-competitive rates, unsurpassed funding times, and loan options that are not available through conventional lenders.

LTV up to 90%
Full Doc, Full Doc Self Employed, 12-Month or 24-Month Bank Statements, Asset Depletion and Qualifier
No adders for Fixed-Rate loans
Loan amounts as high as $3,000,000, dependent on purpose and LTV
Cash-Out up to $1,000,000
Highly competitive rates and unsurpassed funding times
Financing options for non-warrantable condos