Exceptional Private Money Lending
Make your real estate
the focus of the industry
For Non-Owner Occupied Investment Properties
Become The Number-One Real Estate Investor In Your Area!!!
We quickly analyze your deal to make sure it fits within our parameters and get you on your way. We don’t want you to do anything that would jeopardize your deals when you are flipping houses for profit. It’s your numbers and exit strategies that must make sense in order for us to provide financing.
We offer a full service Private Hard Money platform that will help you through your entire deal from application to closing. You don’t have to make any awkward phone calls to strangers for funds or worry about drafting documents, the HUD 1 statement, or pulling title.
Whether you need fix and flip loans, a rehab ARV loan, or a cash-out refinance, Southern Valley Lending is the answer you’ve been looking for.
We look forward to funding your real estate success!
01
FIX & FLIP FUNDING
Interest Only Loans for the Purchase and Rehab of 1-4 Unit Properties
02
Is It Worth Buying?
Peel back the layers on a deal before you invest. This is the best tool to quickly determine the deal’s value and your possible profit gain!
03
Proof Of Funds Letter
If you’re making offers on real estate, a Proof of Funds Letter is a NECESSARY and POWERFUL part of an Offer Package.
Who are we
If you have a great deal and know where to go, getting funding is never difficult. Luckily for you, you’ve discovered the go-to place for quick and reliable funding on real estate investment deals.
At Southern Valley Lending we work with our customers – the leading source of private money in the nation. With over 75 years of combined experience and over 1 billion dollars in real estate loan transactions, we can work with investors from all over the nation and fund all types of loans from large commercial properties to single family home residences.
Unlike conventional bank financing, we are an asset based lender, which means your credit score is not the determining factor. Instead we look at the deal and base our underwriting on its potential. We welcome you to begin getting all the funding you need for your real estate investment needs
As a full-service Private Hard Money lender for real estate investors, we do most of the leg-work for you, while you build up your real estate portfolio and cash-flow all your deals.
Whether it’s for wholesale, rehab, or buy and hold for long-term cash investment deals, Southern Valley Lenders delivers fast and easy access to Private Hard Money.
We’re an equity-based lender which means we care more about the property’s merits, and don’t focus on poor credit, or some of the other factors conventional lenders use to rate the risk.
PROOF OF FUNDS
Give Your Offer Credibility
Easy To Generate
Close Deals Faster
$25,000 To $5,000,000
FIX AND FLIP
Non-Owner Occupied Single Family Residential (1-4 Units)
Investment Purpose: Acquisition, Cash-Out, Refinance, Rehab
90% Purchase – Up to 100% of Rehab (90% LTC) – Not To Exceed 75% of After Repair Value. Refinances up to 65% Loan to Value.
Rates: 8%-15%
Term: 6-24 Months
HARD MONEY LOANS
Get Your Loan Faster
Lenders Look At The Deal, Not You
Fund Deals When Banks Say No
More Flexible Lending Criteria
Have Questions?
Frequently Asked
Questions
Can I Use My Free And Clear Property To Fund Non-Owner Occupied Investments?
Yes! It may be used as cross-collateral or used for a cash-out refinance. That is a great strategy! If you have properties that are completely paid for with no liens against them, we can do a cash-out refinance to provide funds for other non-owner occupied investments. You can also use them as cross-collateral for your real estate investing. We use both your subject property and your free and clear property as security for the loan. In doing that, we can lend up to 65% of the as-is combined value of the two properties. That is often enough to purchase your subject property and rehab it. If you have free and clear properties, mention that on your next deal!
How Much Can You Lend?
Our decision is based on the property, the type of transaction, and your membership in any of our special programs. For most transactions we will lend up to 90% of the purchase price or 65% of the as-is or after-repair appraised value, whichever is less.
Where Can I Find A Good Deal
Look for people that have a need to sell and get to them before your competitors do. The simple answer is: wherever you have the least competition. The harder they are to find, the less competition you will have, and the better your chances for a good price. It requires work, but it is work that can end in a deal with profit as opposed to work that spins wheels but never gets a profitable deal. For instance: talk to probate or divorce attorneys, find ugly houses, contact out-of-state owners, etc. Be creative!
Will You Lend For Both The Purchase And Repairs?
Yes, for the right deals. If the numbers work and we think the deal will be profitable, we will loan on the After Repair Value (ARV). We recommend you have solid experience doing or managing such repair work. You will need to supply licensed contractor bids as well as meet certain other requirements. Bring us the deal and let’s discuss it.
What Are Your Rates And Loan Origination Fees?
Our loans are asset-based and our decisions are logic-based. That means we base our decisions about funding and rates on the perceived risk associated with the property. If you have a property under contract, submit it. Our rates are competitive in the private money market but we save our best rates for our best clients. Get started today to become one of those repeat, best clients! Get a property under contract and submit it!
Seeking further information?
Have any further questions? Reach out to us.
