Investment Purchase Loan
The essential tool to grow and maintain a real estate portfolio
The Stonecrest Difference
Benefit From Common Sense Underwriting
Move at Market Speed
Negotiate Like an All Cash Buyer
Investment Purchase Loan Benefits
Our investment purchase loan is a a lending vehicle designed for investors who need a fast and flexible way to access the cash they need for real estate investment opportunities.
Common Sense Underwriting: Fast & Efficient
Not everyone can conform to a strict set of requirements for income, credit history, etc. We know each borrower’s situation is unique. We’re a direct lender, so we can meet many borrower’s needs where other lenders cannot.*
React to the Market on Your Own Terms
We know investment opportunities don’t wait while your bank is grinding through red tape. If you need to move fast, we can get you approved and funded quickly.
Negotiate With Optimal Leverage
Maximize your negotiating position with the ability to make non-contingent offers on investment properties.
*These products may have a higher interest rate, more points or more fees than other products requiring documentation.”
Terms
Loan Amount:
Up to $10 Million
Loan Term:
1 to 3 Years
Mini Case Studies:
Investment Purchase Loan
Residential
The Goal: Our borrower had the opportunity to purchase a residential property in a probate sale in Orinda, CA, and wanted to invest in the property as a profitable source of rental income.
The Challenge: The property was in disrepair and required extensive remodeling in order to command market rents that would create a positive return. A conventional bank loan was not an option.
The Solution: The borrower was a repeat customer at Stonecrest, who already had an open Stonecrest Line of Credit. She had plenty of assets and cash to secure a loan. We were able to make a business loan for the purchase, secured against the borrower’s other assets, and the borrower accessed the existing line of credit for the extra funds for the remodel. By combining loan products through her relationship with Stonecrest, our borrower was able to extend her flexibility and purchasing power.
Commercial
The Goal: Our borrower wanted to purchase a storage unit facility. The borrower is a repeat Stonecrest customer who has been in the storage industry for decades. His company has a long track record of success in identifying and purchasing under-utilized or distressed storage businesses and restoring them to a stable, profitable state.
The Challenge: A conventional bank loan was not an option to finance the purchase. Banks generally won’t make loans to purchase a business without a favorable cash flow relative to debt service obligations. The storage unit could not meet this requirement, so the borrower needed short term financing to fund the purchase and some time to get the business stabilized.
The Solution: Where the banks saw an unacceptable risk, Stonecrest saw a well capitalized business making a sensible investment. Stonecrest made an investment purchase loan to finance the purchase and the time that the borrower needed to stabilize the business and get long-term financing.
