MORTGAGE LENDING

FOR INVESTORS, REHABBERS, BUILDERS AND COMMERCIAL PROPERTY OWNERS

Halo Capital is a California based Private Money Lending Conduit.

Halo capital is subsidiary of JM Equity Group’s Lovi Capital and with over 20 years experience as a private money lending conduit, Halo Capital has closed and funded over 4,000 loans totaling over half billion in transactions. Halo Capital prides itself on knowledge of the industry and speed of closings. On average our loans close in 15 days.

Fix and Flip Purchase Money Loans

If you are a real estate investor looking for Fix and Flip Loans look no further. Halo Capital funded over 4,000 purchase money loans in the last 7 years and want to fund your next deal. With our common-sense underwriting and quick closings, you will never look for another lender again after closing your 1st deal with us!!

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Hassle Free Fix and Flip Loans

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Halo Capital has all loan programs for investors ranging from fix & flip loans, ground up construction loans for residential ( spec home, multifamily) and commercial, 1-2 year refinance take out loans and 30 year landlord loans (5/1 arm, 10/1 arm, 30 year fixed). We have been lending to investors for over 2 decades and provide a quick closing solution to investors across the country.

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Fix and Flip Loan Requirements

Credit Requirements:
• 620 Mid score or better
• 1-4 unit residential investment properties only
• Borrower must show the ability to make monthly payments
• Up to 90% Loan to Cost (90% purchase/100% repairs)
• Up to 70% ARV
• Rates from 8% -12% (depending on previous flip experience)
• Brokers protected
• Loan amounts from 75k-3M (higher case by case)
• Rehab loans in NY from 125k loan amount and up
• Borrower must have liquid assets to qualify
• Must close in a Corp or LLC name

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Rehab & Stabilized 5+ Unit Apartment Loans

If you are a real estate investor looking for Apartment Loans look no further. Halo Capital has funded over 4,000 loans in the last 7 years and want to fund your next deal. With our commonsense underwriting and quick closings, you will never look for another lender again after closing your 1st deal with us!

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5+ Unit Apartment Building Rehabs

• Loan amounts from 100k and up
• 80% Purchase 80% repairs 70% ARV Max loan
• 650+ credit required
• Some rehab experience may be required
• Rates from 7.00%-10.50%
• Up to 2 year loan term
• Option to extend for 1 years
• Debt Service (pro-forma) 1.10 or better
• No pre payment penalty
• Interest on construction funds only when drawn
• Upon signed term sheet deposit for appraisal, budget inspection, required
• Closing time 20-25 days

We can roll you into a long term, 30 year loan when your rehab project is completed!

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Years of combined experience

Million in deals funded

Days or less to close

Spec Home Funding – Home Construction Loan Lender

With construction spending in the US rising to its highest level in nearly 5 years there is a higher demand for new homes, which in turn leads to builders looking for quicker, more reliable funding than traditional bank lending. Because of that, Halo Capital’s aim is fill the gap left by banks in this area! Closings in as little as 7 days. Don’t trust your construction loans to your banker, let a lender that actually lends money fund your next construction project.

We can even roll your rehab/construction loan into a long term, 30 year loan!

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Home Construction Loan Program

• 10 day closings • Same day decisions • If you own the land, that will be considered your skin in the deal • We lend up to 70% of lot purchase and 90% of the construction costs. • Rates from 8.99%-12.00% • 1st time builders OK • Loan amounts from 100k – 3m (125k in NY State) • Larger loans considered case by case

In most cases we can get you some cash out

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Get A Commercial Loan For Your Business

Commercial Hard Money Loans

The loan must make sense for us. We do NOT want to own your property. We love value-added plays. Are you buying a commercial property that is not performing with a solid plan in place to upgrade, find new tenants and turn the property around? If so, send us a summary on your loan request. Halo Capital Commercial Bridge Loans can close in as little as 7 days.
Do you own a commercial property but you or your company don’t show a profit on paper? How about some dings on your credit report? Halo Capital can overlook these issues with our Commercial Real Estate Loans.
Halo Capital funds commercial loans that banks won’t, which is why our rates and points are more expensive than bank loans. We look at the property itself more than we do the borrower and their overall financial picture.

NYC Commercial Loan Programs

• Up to 75% loan to value on purchases
• Up to 70% loan to value for cash out
• Rates as low as 4.875%
• up to 30 years
• Pre payment penalty vary
• Close in 10-15 days
• Loan amounts from 75k -2.5M
• 5+ unit apartment buildings, office buildings, mixed use, strip malls, warehouses, light industrial, self storage
• 1st lien position and blanket mortgages

Easy loan doc available or Traditional full doc

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Get More Investment Dollars with a Cash Out

Refinance

This program is for borrowers looking to purchase or refinance a turnkey property as a short term bridge between a rehab loan and a bank loan, or if you have a property you just finished the rehab on and you have a balloon coming due and need to refinance into a short term loan before the property sells. This is perfect for investors that are unsure if they want to flip the property they just rehabbed or if they want to keep it as a rental.

Hassle Free Purchase Money Loans

Halo Capital can only accept investment properties (1-4 unit residential) and warrantable condos for this type of loan. Halo Capital will NOT lend on owner occupied homes. All properties must close in a Corp or LLC name. Many of our borrowers use their own funds to purchase properties for cash and then use our purchase money and cash out refinances program to pull either some equity back out of the property to fund their next deal, this program is ideal for those that just rehabbed a property and either its rented or vacant, and they want to cash out to do their next deal.

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Cash Out Refinance Loan Requirements

• Term Length: Up to 30 years
• Property Types: Single-family detached residences, 2-4 unit residences, condominiums, and townhomes
• Single Property: Yes
• Portfolio: Yes
• Minimum Loan Amount: $75,000
• Maximum Loan Amount: $2,500,000
• Maximum LTV: 80%
• Minimum Credit Score: 620
• Debt-to-Income for Borrower: None
• Minimum Number of Properties: 1

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Fast Approval * No Commitments * Get Funded