We are a full-service All-in-one Hard Money Lender solution that specializes in residential and commercial investment properties.
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What is ARV?
The After Repair Value (ARV) is a critical concept for real estate investors and professionals. It estimates the future market value of a property once renovations and repairs have been completed. Instead of focusing on the property’s current condition, ARV allows investors to envision its potential worth after improvements, helping uncover hidden profit opportunities in properties that may appear worn or outdated.
What is LTV?
Loan-to-Value (LTV) measures the loan amount compared to the property’s current or appraised value. It is calculated by dividing the loan amount by the property’s value, expressed as a percentage. LTV is important for determining risk—lower LTV ratios often result in more favorable loan terms because they indicate lower risk to the lender.
What is LTC?
Loan-to-Cost (LTC) refers to the percentage of the loan amount in relation to the total project cost, which includes both the purchase price and the cost of renovations. This metric helps lenders and investors evaluate how much of the project is being financed versus the borrower’s own investment. The higher the LTC, the more financing is covering the project costs, which can impact loan terms and interest rates
What means Purchase Price As-Is refers to the agreed-upon price for a property in its current condition, without any repairs, upgrades, or improvements being made by the seller. In this context, the buyer accepts the property “as-is,” meaning they take on any defects or necessary repairs that might be required after the sale is completed. This price does not account for any future renovations or changes to the property and reflects its present market value based on its existing state.
For investors, the “as-is” purchase price is typically lower than a fully renovated or repaired property but may require additional costs to bring it up to its full potential.
Explore Top Dollar’s Programs
An operating system for capital markets functions.
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We Offer a Wide Range of Fix & Flip loan Options
Property Type: Single-family homes, multi-family units, and residential properties eligible for fix-and-flip projects.
Programs available for EXPERIENCED, NEW or FOREIGN investor with no credit
Key Features
Rates as low as 7.50% – Competitive interest rates to maximize your returns.
Loans from $75K to $3MM – Flexible loan amounts to suit projects of any size.
Up to 80% of After-Repair Value (ARV) – Finance the project and realize post-renovation value.
100% of Rehab Costs Covered – We fund the full renovation, freeing up your cash flow.
6, 8, 9, 12, 18, and 24 Month Terms – Choose flexible loan terms tailored to your project timeline.
Interest-Only Payment Options – Keep monthly payments low during renovations for better cash flow management.
- Refinance Options available
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RENTAL INVESTMENT
Available for: single Family 1-4 units (SFR) - Portfolio Rental 5+ units (Blanket loan) - Short term Rentals
Programs available for EXPERIENCED, NEW or FOREIGN investor with no credit
Key Features
- One rental property, one loani
- Loans from $50K to $2.5M
- Flexible term and interest rate options - Interest Only or Fixed
- Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
- No personal income requirements
- Rates as low as 6.3%
- No pre-payment penalty options available Refinance options available
- Refinance Options available
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NEW CONSTRUCTION
Best For: Investors interested in land intended for ground up building of 1-4 unit non-owner occupied properties looking for non-bank financing solutions.
Our Ground Up Construction Loan product is a quick, smart and effective alternative for financing construction costs prior to transitioning into a long-term loan.
DETAILS:
- The approval for this loan is based on ground up construction experience, $15,000 OR 25% OF THE CONSTRUCTION BUDGET. WHICHEVER IS GREATER, closing costs, and FICO score.
- Borrowers or builders for the ground up construction programs must have at least three (3) completed projects or 3 fix and flips with at least 1 large rehab (Comparable to Construction) for Ground up Construction program.
- Land must have all entitlements.
- Experienced 1-4 family builders may qualify for refund of land purchase price. (Up to 70%)
- FICO SCORE OF 650 – 699 = MAX ACV 65%
- FICO SCORE OF 700+ = MAX ACV OF 70%
- Term: 12-month term with two 3-month extensions (extension fees apply).
- Up to 70% ACV
- 90% LTC Cap
- Closing times in as few as 5-10 business days
- Loan size $100,000 – $1,500,000
- Finance up to 70% of purchase, up to 70% ACV (As Completed Value)
- For investors interested In land intended for ground-up building of 1-4 units.
- All ground up construction loans will be IAD (interest as drawn) for the first six months of the loan. All ground up construction loans will be IAD for the first six months of the loan.
- Liquidity Requirements:
- $15,000 OR 25% OF THE CONSTRUCTION BUDGET, WHICHEVER IS GREATER, plus cash for closing costs.
- Refinance options available
Personal
$219/y
For One Site
- Awesome Support
- 40+ Premium Modules
- 7 Premium Extensions
- 30% Renewal Discount
Personal
$350/y
For 3 Sites
- Awesome Support
- 40+ Premium Modules
- 7 Premium Extensions
- 30% Renewal Discount
Personal
$659/y
For Unlimited Sites
- Awesome Support
- 40+ Premium Modules
- 7 Premium Extensions
- 30% Renewal Discount
How we help to Build Your Dream
Our team of experienced loan advisors has a proven track record of helping investors succeed. We are committed to providing our clients with the best loan products tailored to their specific needs.
Fix & Flip
Top Dollar Capital offers tailored Fix and Flip loans with rates as low as 9.90%.
Get up to 95% of the purchase price and 100% of rehab costs covered. With 12, 18, or 24-month terms and interest-only options, you can focus on transforming properties without worrying about upfront cash flow. We make hard money easy—so you can focus on results.
Rentals
Our Rental DSCR loans help real estate investors secure funding without the hassle of income verification. Qualify based on the property’s rental income, not your personal financials. Whether you’re a first-time landlord or a seasoned investor, our DSCR loans provide up to 80% LTV with competitive rates and flexible terms to help you build yourrental portfolio with confidence.
New Construction
For residential and commercial construction projects, BridgeWise Lending’s Ground-Up Construction loans offer the capital you need. With loans up to $100MM, flexible terms, and fast approvals, we’ll help you break ground faster. Whether it’s a single-family home or multi-unit development, our experienced team ensures you get the funding necessary to bring your project to life.
Hear From People Who Loved & Trusted
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Read our Blogs & Articles
Optimizing Resource Allocation and Managing Carrying Costs During Renovation Projects
September 7, 2024 ∙ 3 min read
Optimizing Resource Allocation and Managing Carrying Costs During Renovation Projects
September 7, 2024 ∙ 3 min read
Optimizing Resource Allocation and Managing Carrying Costs During Renovation Projects
September 7, 2024 ∙ 3 min read