​M.F.Y.B.N. is your reliable partner for alternative financing solutions that are quick, adaptable, and flexible, whether you are an investor making the first move or expanding a thriving portfolio. At every stage of our partnership, M.F.Y.B.N. is committed to providing you with the highest level of support and service. 

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• Project Funding ranging from $70 Million to 1 Billion

      or more!

• Simple and fast Project funding process​​

• Up to 100% Equity or Low Interest Loan!

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PROGRAM #1

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 FIX & FLIP /BRIDGE (includes Rehab)

• Loan Amount Per Project up to $2M

• Bridge Loans up to 75% (no Rehab)

• SFRs / 2-4 Units / Condos

 DSCR / RENTAL

• Loan Amounts $50k (1-4 Units) up to $2M

• Up to 75% LTV for Cash-Out Refinances

• Interest-only options

• SFRs / 2-4 Units / Condos (warrantable and non-warrantable) / 5-8 Units (min $250k loan amount)

 GROUND UP CONSTRUCTION (GUC)

• Loans Amounts up to $2M

• Up to 18-month Terms

• SFRs / 2-4 Units Only

We can also do Tear-Down and Rebuilds!

 

 WE ARE READY WHEN YOU ARE!

• Nationwide Funding (Ineligible States - Nevada, North Dakota, South Dakota)

• Close under an Individual or Entity Name (States that must close under an Entity Name: Colorado, Florida, Georgia, New York, & Virginia)

• Take advantage of our lender's Blanket / Multi-Pack / and Portfolio Loan products

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PROGRAM #2

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• Up to $200M commercial purchase or refinance loan

• SBA loans for small business owners

• No doc and stated income commercial loans

• Lite/ no-doc residential investment loan

• Church and non-profit organization loan

• Gas stations, office or retail  buildings

• Multi-family or mixed unit commercial loan

• Hospital or medical buildings

• Apartment buildings

• Hotels, motels, resorts,

• New Builder’s construction loan

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PROGRAM #3

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Single family, 1-4 unit residential investment properties

including condos

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Loan programs:

• 5/6 & 7/6 ARM and 30 year fixed – Purchase, refinance, and cash-out refinance.

  • Traditional long-term rentals. No experience necessary.

  • Vacation rentals: Air BNB/VRBO or the like. No first-time investors. Minimum 12 months mortgage history in the past 3 years.

  • Unleased properties ok.

  • Must be rent ready.

• Interest Only - 10-year interest only available on 5/6 ARM, 7/6 ARM and 30 year fixed.

  • Traditional long-term rental only.

Market Rent Considerations:

• Short-Term Rental (STR) Market Rents: Underwritten in-house for accurate, localized valuation.

• Long-Term Rental (LTR) Refinance Rents: We can use the higher of the market rent or in-place rent (up to a maximum of 120% of market rents).

Borrower Qualifications:

• Credit score of 680 or higher.

• Cash flowing property – Minimum DSCR from 1.0

• Reserves – minimum 6 months PITIA

• US citizen, permanent resident

How much we lend: 

• Up to 80% LTV for purchases (699 – 680 credit score max LTV is 75%)

• Up to 75% LTV for rate and term refinance

• Up to 75% for cash out refinance.

Additional Value and LTV restrictions:

• $150k minimum appraised value, $100k minimum loan value for all loans

• Property value below $200,000 max loan size of 75% LTV

• Cuyahoga County, OH, and Cook County, IL:  Automatic 5% LTV reduction on every product.

Where do we Lend:

• 38 States

• EXCEPT: AK, MN, NE, NV, ND, OR, SD, UT, VT and cities of Detroit; Flint; Baltimore; Baltimore City

• GA, HI, MA, PA, NJ, IL, NY and VA: Only lend to entities, not individuals.

Program Benefits:

• 45 Day rate lock once appraisal is paid.

• Low Doc lender.

• No proof of income, ie: no pay stubs, no tax returns, no 4506 – asset-based lender (we lend off credit score and debt service coverage ratio, ie: DSCR)

• Quick turnaround for refinance of hard money loans – 30 day seasoning

• No source or seasoning of reserve funds at closing.

• No cap on the number of loans we can do for you

• Can vest property under: personal name, LLC or corporation

• Fast, simple, dependable

Data for Quote:

• Desired Broker Charge:

• Desired Broker Processing Fee (up to $1500):

• Estimated Credit Score:

• Address:

• Estimated Property Value:

• Market Rent:

• Taxes:

• Insurance:

• HOA:

If refi:

• Outstanding debt on property:

• If owned under 6 months: Date Purchased:

• If owned under 6 months: Original Purchase Price:

• If owned under 6 months: Amount spent on rehab:

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PROGRAM #4

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DEBT FINANCING

Our investment partner provides an array of financing alternatives with the goal of adapting its resources to the range of commercial real estate opportunities presented by our clients.

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Available methods include:

 

• Equity Recapitalization

• Hotel Acquisition & Property Improvement Plans

• Redevelopment/Development Loans

• Multifamily Loans

• Commercial Loans

• Credit Tenant Lease Program

• Direct Acquisition of Distressed & High-Yield Debt

• Environmentally Encumbered Assets

• Short-Term Loans

• Distressed Debt

• Sale-lease back transactions

• Ground lease structuring

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JV AND PREFERRED EQUITY

Our partner offers the flexibility to provide a wide range of different structures for acquiring, financing and lending with qualified sponsors and operators of what we view as desirable assets. Our joint venture and preferred equity programs support investment into ownership interests of property to create additional liquidity for ownership. 

 

These funds can be used for:

 

• Cash via refinancing

• Capital improvements

• Debt restructuring

• New acquisitions

• Marketing and development

• Development soft costs

• Corporate Buyouts

• Partner Buyouts

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BRIDGE LOANS

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• Simplified financing solutions for bridge loans to $50 million & above

• Commercial bridge financing up to 85% of property purchase

• Up to 5 year terms with several prepayment options

• Streamlined underwriting with reduced document options

• Up to 100% of property rehabilitation or property improvement plan

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CRE PERM LOANS​

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Commercial

We provide funding programs for Office, Retail, Industrial, Self Storage, Hotel, and Mixed-Use properties through out the United States and Canada.

 

MultiFamily

We provide both Agency and Balance sheet programs for Multifamily and Mixed-Use

properties Nationwide, and Canadian thru Balance Sheet programs.

 

Special Use

Programs are available for Special Use properties, including Car Wash, Service Station, Hospitals, Amusement Parks, Nursing Homes and other properties.

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Development Loan Program

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Commercial

We offer Construction Financing for Office, Retail, Industrial, Hospitality and Self Storage Facilities Nationwide for projects totaling $1 Million and Up

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Multifamily

We have an array of funding programs for Multifamily and Mixed-Use Projects throughout the United States and Canada from $1 Million and Up

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Special Use

Special Use Projects include, but not limited to, Resorts, Service Stations and Hospitals throughout the United States and Canada from $ Million and Up

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PROJECT FUNDING WORLDWIDE

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Funding Overview

Our investment partner specializes in asset-based funding, focusing on commercial real estate and infrastructure projects. Our partner has extensive experience in this field and understands the unique challenges necessary to create effective financial structures for project funding.

 

The group’s asset guarantee services and partnerships with top-rated institutions ensure we obtain the funding required under pre-aligned conditions. Insightful solutions that create a competitive advantage and secure a more stable financial future for our project funding opportunities.

 

Key Points

 

• Funding Range: From $50MM to 1 Billion

• Deposit: $10.1MM or Tether for projects up to $50MM

• Simple Funding Process: Disbursements over 3 Tranches

• Funding: Full Equity or a market-rate Term Loan

• Loan Option: Term of 5 years

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