Committed to Top Notch Private Money Lending
Submit Your Project Today!
Our no-obligation application doesn't pull credit or have any hidden fees. This should take no more than 3-5 minutes.
About Us
There’s no such thing as reaching out to us too soon for capital raising. The sooner we get involved, the more beneficial it is for our clients. Our round-the-clock customer service is essential for any business, which is why our clients keep coming back to us.
Fast
We know that in the property market, time is money. That's why our fast loan approval process ensures you can commence your projects without delay.
Reliable
Our history of successful projects demonstrates our commitment to delivering on our promises.
Flexible
We specialize in customized financial solutions designed to meet your individual needs and situation. Understanding that each client is unique, we focus on developing adaptable strategies just for you.
Experienced
With more than 35 years of expertise in the property market, we are ideally positioned to offer knowledgeable guidance and assistance.
You're Choosing a Lender Who Works for You.
Empowering Your Financial Journey with a Lender Dedicated to Your Success.
Pre-approvals up to $20M!
Apply Online
Fill out our form and tell us about your upcoming project. It takes less than 3-5 minutes.
Let's Talk
We'll call, text, and email to get in touch with you to talk about your deal.
Pre Approval
Confirm some basic info about your deal and experience, and get a pre-approval letter.
See What Our Clients Say About Us
Jasica Tailor
Sydney, Australia
Michawel Aaran
Sydney, Australia
Human Michels
Sydney, Australia
It Was Amazing Experienced!
Highly glad to avail the cordial services of Medfysio. One of my patients enjoyed these services recently and he express deep gartitude to me for referring him to Medfysio.
Jasica Tailor
Sydney, Australia
Michawel Aaran
Sydney, Australia
Human Michels
Sydney, Australia
It Was Amazing Experienced!
Highly glad to avail the cordial services of Medfysio. One of my patients enjoyed these services recently and he express deep gartitude to me for referring him to Medfysio.
Jasica Tailor
Sydney, Australia
Michawel Aaran
Sydney, Australia
Human Michels
Sydney, Australia
It Was Amazing Experienced!
Highly glad to avail the cordial services of Medfysio. One of my patients enjoyed these services recently and he express deep gartitude to me for referring him to Medfysio.
We provide loans ranging from $50,000 to $100 million, financing everything from small residential projects to ground-up to fix-and-flips, multi-family properties, DSCR, Airbnb investments, and more.
Serviced Loans
*Get Funded In 7 Days Or Less!
We Can Fund You in 7 Days Or Less
Fix & Flips
Residential (1-4 Units)
$50,000 - 5,000,000
- 90% of Purchase, 100% Rehab
- Maximum Loan to ARV: 70%
- 12 months, up to 18 at lenders discretion
- Resource: Full Recourse
Ground Up
Residential (1-4 Units)
$50,000 - 5,000,000
- 80% of total project cost, up to 75% of the lower of land value or purchase, 60% if unpermitted, and 100% of construction.
- Maximum Loan to ARV: 70%
- 12 months, up to 18 at lenders discretion
- Resource: Full Recourse
Rentals
Residential (1-4 Units)/Townhomes /PUD Warrantable Condos
$75,000 - 2,000,000
- 90% of Purchase, 100% Rehab
- Maximum Loan to ARV: 70%
- 12 months, up to 18 at lenders discretion
- Resource: Full Recourse
DSCR
DSCR loans enable investors to optimize cash flow and meet debt obligations, offering flexibility and customization in financing solutions.
$50,000 - $20,000,000
- Rates starting at 6.48%
- Up to 80% LTV for rate/term loans, and up to 75% LTV on cash-out loans.
- Flexible pre-pay options with and NO limit on the number of properties we can finance.
- NO personal income verification required
- Minimum FICO 660
Rental Portfolios
SF/ 2-4 Unit/ Townhomes/ PUD/ Condos
$150,000 - 50,000,000
- 30-year Fixed Rate (Fully Amortizing)
- If owned less than 3 Months, 80% of total cost basis
- Purchase/Rate-Term Refi: 80% Cash Out Refi: 75%
- 5,10 & 30 Years
- Minimum Occupancy Rate of 90%
Ground Up
Residential (1-4 Units)
$250,000 - 3,000,000
- 30 Year Fixed Mortgage OR 5/6, 7,6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
- If owned less than 3 Months, 70% of total cost basis
- 30 Years
- 5,10 & 30 Years
- Minimum Occupancy Rate of 90% by Unit Count
Small Balance Multifamily Bridge
Residential (5+ Units)
$500,000 - 5,000,000
- Purchase Loans: 75% Purchase + 100% Reno
- Purchase/Rate-Term Refi: 70% Cash Out Refi: 65%
- Up to 24 months + 2, 6 month Extensions
- Unleased Units: 90% of Market Rent (Purchase Loans Only)
Stabilized Bridge
SF/2-4 Unit/ Townhomes/PUD/Condo
$75,000 - 2,000,000
- 85% Purchase 100% of Completed Rehab Costs
- Max LTV: 70%
- 12 months, up to 18 at lender discretion
- Min. DSCR: 1.00x, Min. FICO 660
Stabilized Bridge
Up to 90% LTC!
For experienced builders we now offer up to 90% LTC ( Loan to Project Cost) financing on ground up construction. up to 85% of (hard costs) (5%) in interest reserve escrow.
Ground Up Construction Loans
Up to 80% Loan-to-cost!
First time investors with a general contractor license with prior experience in building for other clients can receive up to 80% LTC.
Frequently Asked Question
What is a Private Money Loan?
A private money loan is a short-term loan secured by real estate. They are typically funded by private investors rather than conventional lenders like banks.
How fast can I receive a private money loan ?
Once all documentation is received and approved by a loan officer funds will be released immediately. This process can turn around as quickly as 7 days.
How do you determine the amount to lend?
The loan amount is primarily based on the value of the property and the after-repair value (ARV). We consider various factors like location, condition of the property, and market trends.
