Hard money,
made easy.

• Investor loan programs

  Real leverage.
  Real terms.

  Max leverage and terms on fix & flip, DSCR, bridge, construction, commercial and refinance loans.

  95% LTCOn fix & flips

  85% LTVOn DSCR rentals

  $0Upfront fees

  Investors nationwideSwipe →
• Loan program02 / 09

  Fix & Flip

  Fix & Flip · Purchase + Rehab

  Up to 95% LTC

  Acquisition and rehab in one loan

  Max LTC95%

  Max of ARV75%

  Rehab financed100%

  Term3–24 mo

  Interest-only. Rehab funds are released in draws as work is completed.

  Submit a deal →
• Loan program03 / 09

  Seasoned Flipper 100% LTC

  Fix & Flip · Experienced investors

  Up to 100% LTC

  Full purchase and full rehab financed

  Max LTC100%

  Max of ARV75%

  Rate / points11% · 3 pts

  Requires740+ · 11+ flips

  For seasoned flippers with 740+ credit and 11+ completed flips. Loan capped at 75% of ARV.

  Submit a deal →
• Loan program04 / 09

  DSCR Rental

  DSCR · Buy & Hold

  Up to 85% LTV

  Qualify on the property's rent, not your tax returns

  Purchase85% LTV

  Term30-yr fixed

  Qualifies onRent

  Income docsNone

  Single rentals or portfolios. The property's rent carries the loan.

  Submit a deal →
• Loan program05 / 09

  Bridge (Purchase & Cash-Out)

  Bridge · Short-term

  Up to 75% LTV

  Close fast, or buy time before a refinance or sale

  Max LTV75%

  Term6–24 mo

  PaymentsInterest-only

  UsePurchase / refi

  Built for speed and flexibility when a conventional loan can't keep up.

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• Loan program06 / 09

  Ground-Up Construction

  Construction · Ground up

  Up to 90% LTC

  Single family and multifamily up to 12 units

  Max LTC90%

  Max LTV75%

  Term12–24 mo

  Timeframe5–10 bus. days

  For builders and developers. Funds are released as construction milestones are met.

  Submit a deal →
• Loan program07 / 09

  Commercial & Multifamily

  Commercial · Income property

  Up to 75% LTV

  Multifamily, mixed-use, retail and office

  Max LTV75%

  TermVaries

  MultifamilyUp to 100 units

  Loan sizeUp to $50M

  Structured around the property's income and your business plan.

  Submit a deal →
• Loan program08 / 09

  Refinance & Cash-Out

  Refinance · Rate-and-term / Cash-out

  Up to 85% LTV

  Pay off a hard money loan or pull equity

  Rate-and-term85% LTV

  Cash-out75% LTV

  Term15-yr & 30-yr fixed

  Upfront fees$0

  Lock in long-term debt on a stabilized property, or free up equity for the next deal.

  Submit a deal →
• Next step

  Have a deal?
  Send the numbers.

  We'll tell you how we'd structure it and which lenders fit. No upfront fees, no credit pull to submit.

  Submit a dealdeals@k3ledger.com

  K3 Ledger · Dallas, TX09 / 09

Business-purpose loans on non-owner-occupied investment property only. Leverage shown is a maximum; final terms depend on experience, credit, property and lender approval. K3 Ledger is a loan broker, not a lender.