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!
Loans for Real Estate Wholesalers
Earnest Money Deposits
We provide comprehensive property management services to ensure your commercial real estate investment is well-maintained, attractive, and profitable.
Transactional Funding
We specialize in leasing commercial properties, including office spaces, retail stores, and warehouses, with a focus on finding the right tenants for your property.
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)
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.
Ground Up (Residential 1-4 Units)
Fix & Flip (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
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
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)
Rental Portfolio
Stabilized Bridge Loan (No DSCR)
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)
Stabilized Bridge Loan (No DSCR)
Stabilized Bridge Loan (No DSCR)
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:
- 700
FICO: 70% if property owned > 6 months
- 660-699
FICO: 65% if property owned > 6 months
MINIMUM DSCR:
- N/A
FICO:
- Minimum 660
PROPERTY CONDITION:
- C2 or better
COLLATERAL RESTRICTION:
- Property value within 90th percentile of market
- No rural, exotic, or unique properties
Contact Us, to Get Your Next Real Estate Deal Funded, TODAY!
Imagine having a Funding Partner who not only understands Your Wants, Desires, and Goals; but, will Help You to Achieve them, every step of the way.
At NO COST to you... You will receive Care, Respect, and a Friend. Also, at No Cost to you... You will receive Consultation and as a Client we Provide a Service to Boost Your Personal and Business Credit.
Contact Us, TODAY and Let's Discuss Moving Your Next Deal Forward!