Res. R.E. Investor Loans

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Empowering Investors with Tailored Funding Solutions

Unlock Capital. Unlock Opportunities...

CREI Funding, a Direct Private Lender, is dedicated to helping real estate investors realize their full potential by providing fast, flexible, and reliable financing solutions for residential properties, commercial properties, rental portfolios, development projects, fix-and-flip, and wholesaling opportunities.

Whether you’re transacting, buying rental properties, transforming distressed properties, or developing residential or commercial spaces, we understand your unique needs and are here to provide the capital you need to succeed and MORE!

A Message for Real Estate Investors:

2025 is shaping up to be a promising year for residential and commercial real estate investors.

Here are Some Positive Reasons Why:

1. Market Valuations:

Property values in many areas have corrected over the past couple of years, creating opportunities for savvy investors to acquire properties at more favorable prices.

2. Demand for Housing:

The growing population, coupled with continued urbanization, is fueling a robust demand for residential housing, especially in metropolitan and suburban areas.

3. Hybrid Work Models:

Businesses are adapting to hybrid work environments, increasing demand for flexible office spaces and co-working hubs in prime locations.

4. Tourism Recovery:

As global tourism rebounds, hospitality-related investments such as short-term rentals, vacation homes, and mixed-use properties are showing strong potential in popular destinations.

5. Technology and Data Analytics:

Tools like AI and predictive analytics allow investors to assess markets and properties more accurately, identifying undervalued assets and emerging hot spots.

6. Tax Incentives:

Government incentives for energy-efficient buildings and property development in opportunity zones are enabling investors to optimize returns while supporting sustainable initiatives.

7. Strong Rental Markets:

High interest rates have deterred some prospective buyers, resulting in a larger pool of renters and higher rental yields for property owners.

8. Diversification Options:

The rise of fractional real estate investments and REITs (Real Estate Investment Trusts) is allowing investors to diversify portfolios and participate in larger-scale commercial opportunities.

These factors make 2025 an exciting year for both new and experienced investors to explore residential and commercial opportunities.

NOTE: If you, as an investor would like, we can help narrow down specific markets indicating growth potential and/or property types aligned with your investment goals!

Overview of Our Loan Programs, for Investors:

For Fix-and-Flip Investors: Rates Starting at 9.25%.

CREI Funding’s Flagship Product is offered to our client's, through what we believe to be the industry’s most advanced and competitive funding service.

Our Fix and Flip loans provide you with a reliable funding source to purchase, renovate, and rent/sell homes consisting of 1-4 units.

Quick Closing:

We offer a streamlined, common-sense underwriting process that is light on paperwork and strong on efficiency. Reap the benefits of our finely tuned, funding process for our core product.

Wide Box:

We are aggressive on leverage (up to 90%/100% of purchase/rehab and 70% of after repair value) with superficial lower/upper bounds and credit limits. From $50,000 light rehab loans in the middle of the country, to $20,000,000 fix and flips in the Hollywood Hills – we’ve funded them all.

Expert Relationship Team:

Our CREI Funding relationship team understands real estate and will get your deals funded. We provide personalized service. You will never be without direct access to a knowledgeable subject matter expert.

See More Information and Terms, Below.

Learn More About Our Terms

For Single Rental Property Investors: Rates Starting at 6.1%.

CREI Funding Single Property Rental Loans provide our clients with a reliable funding source against cash flowing 1-4 family houses.

Quick and Easy:

We are happy to Generate term sheets fast to move your deal forward as quickly as possible.

Borrower-Friendly Loan Options:

Fixed rate and hybrid ARMs, up to 10-year IO periods, easy step-down prepayment penalty options.

Flexible Rates and Terms:

With common-sense underwriting and concierge service from our team of experts, you will always offer your clients the loan that works best for them.

See More Information and Terms, Below.

Click to read more information below

For Rental Portfolio Investors: Rates Starting at 6.1%.

Whether you’re buying your first rental property or expanding your portfolio, CREI Funding provides flexible financing to help you grow.

Our affordable terms and quick approvals make it easy to turn your rental investments into a profitable portfolio.

Purchase or refinance multiple non-owner-occupied rental properties

The widest range of terms and options:

5, 10, and 30-year term, fixed rate or hybrid ARMs, partial IO available, non-recourse.

Ultra-competitive rates and leverage:

Borrower-friendly rates and full leverage available 90 days post purchase with no further rent roll seasoning required.

Flexible funding for growing portfolios:

By funding portfolios from a minimum $100K property value, up to $2MM, CREI Funding lets you accommodate your real estate needs for your growing portfolios.

See More Information and Terms, Below.

Click to read more information below

For Land Development Investors: Rates Starting at 10.99%

Ready to take on a new development? Whether residential or commercial, we offer the financing you need to secure land, get your project off the ground, and see it through to completion. Our flexible terms and fast access to capital will help you make your vision a reality.

Click to read more information, below

For Larger Scale Commercial Property Investors:

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Loans for Professional Residential Real Estate Investors

Fix & Flip (Residential 1-4 Units)

LOAN AMOUNT:

Min. - $50,000
Max. - $3.5M

TERM LENGTH:

12 Months
Up to 18 Months at our discretion

MAX LTC:

Up to 90% of the Purchase Price
Up to 100% of Rehab Cost

MAX LOAN TO ARV:

Up to 75%

FICO:

Min. IR = 1 Month
If past Bankruptcy, Foreclosure, or FICO < 620: 12 Month IR

EXPERIENCE:

All Levels Considered (leverage based on experience)

RECOURSE:

Full Recourse
Pledge of Shares

PROFIT TEST:

Min. 30% ROI
If fail must pass 1.20 DSCR test on a Market 30-Year FRM.

Let's Get You Going, on this, Today!

Ground Up (Residential 1-4 Units)

Fix & Flip (Residential 1-4 Units)

LOAN AMOUNT:

Min. - $50,000
Max. - $3.5M

PROPERTY TYPES:

Residential (1-4 Units)
Townhouses
Condominiums

PROPERTY COUNT:

Min. 1
Max. 2

TERM LENGTH:

12 months and up to 18 months, at our discretion.

MAX LTC:

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 85% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing

MAX LOAN TO ARV:

Up to 70%

FICO:

680 Mid-Score

EXPERIENCE:

Previous real estate experience required: 1-2 Ground ups
GCs if experience if permits tie to Ground ups
Guarantors with no experience permitted on a case by case basis

RECOURSE:

Full Recourse

PROFIT TEST:

Minimum 30% ROI
If fail, must pass 1.20 DSCR test on a market 30-year FRM

Let's Get You Going, on This, Today!

Experienced Developer Program

Fix & Flip (Residential 1-4 Units)

LOAN AMOUNT:

Min: $50,000
Max: $3.5M

PROPERTY COUNT:

Min. 1
Max. 10

PROPERTY TYPE:

Residential 1-4 Units
Townhomes
Condos

TERM LENGTH:

12 months, Up to 24 at Lender Discretion

MAX LTC:

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 90% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/ permits post-closing

MAX LOAN TO ARV:

Up to 70%

FICO:

680 Mid-Score

EXPERIENCE:

Previous real estate experience required: 3+ similar Ground Up builds + heavy rehabs with expansion. Professional development / builder.
Guarantors with no experience permitted with experienced guarantor that meets the above experience criteria

RECOURSE:

Full Recourse

PROFIT TEST:

Minimum 30% ROI
If fail, must pass 1.20 DSCR

Let's Get You Going, On This, Today!

Single Property Rental

Stabilized Bridge Loan (No DSCR)

LOAN AMOUNT:

Min: $75K
Max: $2M

PROPERTY TYPES:

Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD

TERM LENGTH:

30-Year term, Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)

LOAN TYPES:

30-Year Fixed Rate Mortgage (Fully Amortizing)
5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)

MAX LTC:

If owned < 3 months, 80% of Total Cost Basis

MAX LOAN TO ARV:

Up to 80% on purchase and rate & term. Up to 75% on cash-out

EXPERIENCE:

Not Required

FICO:

660 Minimum

RECOURSE:

Full Recourse only

LEASE REQUIREMENTS:

Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
Unleased Units: 90% of Market Rent (Purchase Loans only)

Let's get your deal, funded with this loan!

Rental Portfolio

Stabilized Bridge Loan (No DSCR)

MIN. PROPERTY VALUE:

$100,000

MAX. LOAN AMOUNT:

$2M

PROPERTY TYPES:

Non-Owner Occupied:

Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD

TERM LENGTH:

30-Year term, Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)

LOAN TYPES:

30-yr Fixed Rate Mortgage (Fully Amortizing)
5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing) MA

MAX LTC:

If owned < 3 months, 80% of Total Cost Basis

MAX LOAN TO ARV:

Up to 70%

FICO:

Mid-Score 680

RECOURSE:

Full Recourse with Pledge of Equity of Borrowing Entity

LEASE REQUIREMENTS:

Minimum Occupancy Rate of 90% by Unit Count
Leased Units: Lower of (i) In Place Rent & (ii) Market Rent
Unleased Units: 90% of Market Rent (Purchase Loans only)

Let's fund your deal with this loan!

Stabilized Bridge Loan (No DSCR)

PURPOSE:

To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale

LOAN AMOUNT:

Min: $75,000
Max: $1,500,000 / larger loans allowed at lender discretion

TERM LENGTH :

12 months, up to 18 at lender discretion

PROPERTY TYPES:

Single Family/2-4 Unit/ Townhomes/PUD/Warrantable Condos

MAX LTC:

85% of purchase price + verified completed capex if property owned < 6 months

MAX LTV:

FICO: 70% if property owned > 6 months

660-699

FICO: 65% if property owned > 6 months

MINIMUM DSCR:

FICO:

Minimum 660

PROPERTY CONDITION:

C2 or better

COLLATERAL RESTRICTION:

Property value within 90th percentile of market
No rural, exotic, or unique properties

Let's Fund Your Deal with this loan!

Residential Real Estate Investor Development Financing

Our Expertise & Dedication

With over 35 years of experience in the residential and commercial real estate financing industry, we have the knowledge and expertise to not only fund your deal or project but help you to analyze the perfect strategy and property, to transact, for your portfolio and/or real estate business interests.

We are 100% dedicated to becoming your #1 funding partner, helping you to repeatedly achieve success beyond what you can imagine.

Ground Up Program

NOTE: For Ineligible properties that fall outside of our Private Lending Program, we can accommodate you with other financing sources, for example, our SBA Loan Programs.

Eligible Permitted Property Types:

Non-owner Occupied 1-4 unit residential
Townhomes
Condos

Ineligible:

Mixed use properties
5+ unit multifamily properties
Condotels
Co-ops / TICs
Commercial Property
Log Homes
Properties Subject to Oil and/or Gas Leases
Operating Farms, Ranches, or Orchards
Vacation or Seasonal Rentals
Rural properties

Experience:

Previous real estate experience required: 1-2 Ground ups.
GCs if experience if permits tie to Ground ups
Guarantors with no experience permitted on a case-by-case basis

Loan Amount:

Min: $50,000
Max: $3,500,000

Reserves/Escrows:

Interest Reserve:
Minimum 1 month

Term Length:

12 months, up to 18 at Lender Discretion.

Property Count:

Min: 1
Max: 2

Maximum Loan to Cost:

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction.
Max 85% of total project costs.
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing.

Maximum Loan to ARV:

Up to 70%

Recourse:

Full Recourse

Let's Get You Funded, so that you can start Building

Experienced Developer Program

NOTE: For Ineligible properties that fall outside of our Private Lending Program, we can accommodate you with other financing sources, for example, our SBA Loan Programs.

Eligible Permitted Property Types:

Non-owner Occupied 1-4 unit residential
Townhomes
Condos

Ineligible:

Mixed use properties
5+ unit multifamily properties
Condotels
Co-ops / TICs
Commercial Property
Log Homes
Properties Subject to Oil and/or Gas
Leases
Operating Farms, Ranches, or Orchards
Vacation or Seasonal Rentals
Rural properties

Maximum Loan To Cost:

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 90% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing

Maximum Loan To ARV:

Up to 70%

Recourse:

Full Recourse

Reserves/Escrows:

Interest Reserve:
Minimum 1 month

Experience:

Previous real estate experience required:
3+ similar Ground-up builds + heavy rehabs with expansion.
Professional development / builder.
Guarantors with no experience permitted with experienced guarantor that meets the above experience criteria

Loan Amount:

Min: $50,000
Max: $3,500,000

Term Length:

12 months, Up to 24 at Lender Discretion

Property Count:

Min: 1
Max: 10

Let Us Help You Get Your Development Project Off and Running, Today!!

Welcome to Our Residential Real Estate Investor Loan Progs.

Empowering Investors with Tailored Funding Solutions

Unlock Capital. Unlock Opportunities...

Your #1 Partner in Residential & Commercial Real Estate Investor Financing.

A Message for Real Estate Investors:

2025 is shaping up to be a promising year for residential and commercial real estate investors.

Here are Some Positive Reasons Why:

1. Market Valuations:

2. Demand for Housing:

3. Hybrid Work Models:

4. Tourism Recovery:

5. Technology and Data Analytics:

6. Tax Incentives:

7. Strong Rental Markets:

8. Diversification Options:

Overview of Our Loan Programs, for Investors:

For Fix-and-Flip Investors: Rates Starting at 9.25%.

Quick Closing:

Wide Box:

Expert Relationship Team:

For Single Rental Property Investors: Rates Starting at 6.1%.

For Rental Portfolio Investors: Rates Starting at 6.1%.

Ultra-competitive rates and leverage:

Flexible funding for growing portfolios:

For Land Development Investors: Rates Starting at 10.99%

For Larger Scale Commercial Property Investors:

Loans for Real Estate Wholesalers

Earnest Money Deposits

Transactional Funding

Loans for Professional Residential Real Estate Investors

Fix & Flip (Residential 1-4 Units)

Fix & Flip (Residential 1-4 Units)

Fix & Flip (Residential 1-4 Units)

Ground Up (Residential 1-4 Units)

Fix & Flip (Residential 1-4 Units)

Fix & Flip (Residential 1-4 Units)

Experienced Developer Program

Fix & Flip (Residential 1-4 Units)

Single Property Rental

Stabilized Bridge Loan (No DSCR)

Rental Portfolio

Stabilized Bridge Loan (No DSCR)

Stabilized Bridge Loan (No DSCR)

Stabilized Bridge Loan (No DSCR)

Stabilized Bridge Loan (No DSCR)

Stabilized Bridge Loan (No DSCR)

Residential Real Estate Investor Development Financing

Our Expertise & Dedication

Ground Up Program

Experienced Developer Program

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