Fix and Rent Loan Program – California
Our Fix and Rent Loan Program is designed for real estate investors who are looking to purchase, renovate, and hold properties as long-term rental investments. This program allows investors to finance both the acquisition and rehab costs, providing flexible, short-term capital to stabilize and reposition rental properties.
| Loan Amounts | $100,000 – $3,500,000+ |
| Property Type | Residential – Commercial – Multi-Family – Mixed Use |
| Loan Type | Purchase or Refinance |
| Loan-to-Value | Up to 65% on Refinance; Up to 70% of Purchase Price |
| Terms | 1–4 Years with Balloon – Interest Only Payments (Amortization Available) |
| Occupancy | Non-Owner Occupied (Business Purpose Only) |
| Underwriting | Equity-Driven – Bank Statements – No Tax Returns Required (other docs may apply) |
| Property Valuation | BPO Required on Residential; Appraisal Required on Commercial |
| Interest Rates | 1st Trust Deeds from 9.99% – 2nd Trust Deeds from 12.50% |
| Points & Fees | 2+ Points plus Underwriting & Valuation Fees starting at $3,495+ |
| Timeline to Fund | Typically 7 Business Days |
| Guaranteed Interest | 3–6 Months |
| Broker Protection | Broker Friendly – We Pay Commissions |
| FICO | Low FICO – BK – NOD – Foreign National – Self Employed Considered |
Who This Program Serves
- Investors building long-term rental portfolios
- Buyers repositioning distressed properties for cash flow
- Investors refinancing properties to fund improvements
- Multi-family and mixed-use property investors
- Developers transitioning properties to stabilized rental assets
What Makes Our Program Different
- Equity-Focused Underwriting
We lend based primarily on property value and investment potential rather than traditional income metrics. - Combined Acquisition & Rehab Financing
One loan structure to fund both purchase and renovation costs. - Speed & Certainty
Same Day Term Sheets and fast closings, often within 7 business days. - Broker Friendly
We pay commissions and protect broker relationships. - Bridge-to-Permanent Strategy
Designed to transition into long-term rental financing after stabilization.
Strategic Advantages
- Finance acquisition and rehab under one loan structure
- Preserve liquidity with interest-only payment options
- Fast funding for competitive purchase timelines
- Bridge-to-permanent rental financing strategy
Why Mortgage Vintage, Inc.?
Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans secured by California real estate.
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission – Quick Turnaround – 7 Day Fundings
✓ Fast, Flexible and Transparent Loan Process
✓ Over 30 Years Financial Industry Experience
✓ Funding Based on Committed Terms
✓ Surety of Funding through CrowdTrustDeed’s Simple and Secure Online Marketplace
✓ Se Habla Español
All loans must be secured by California real estate.
Contact:
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
