Builder – Investor Real Estate Loan Solutions

Welcome to our Builder – Investor Real Estate Loan Solutions page. Since 2009, Dan Cassel and the Trinity Mortgage Broker team, located in San Diego CA have been committed to helping Investors, Families, and Builders to achieve their Real Estate Dreams, as we navigate the often confusing world of Builder-Investor Real Estate Loans. We help leverage Borrower Real Estate Equity and Investment Loan needs, with good communication, solid technology, expertise, and “Common Sense” to deliver several specific, quick, reliable, Builder Loan Solutions.

We look forward to learning more!

Top 2 requested Builder – Investor Commercial Real Estate Loan products in 2024:

#1 Our Institutional Banks or Mortgage Funds for “Ground Up” Construction Loans in California.

Loan amounts to 5 Million.

We have long term networks that may help and most loans typically are offered with 65%-75% Loan to Value and up to 75% of the Loan to Construction Budget, Possibly higher, depending on the Borrowers Experience over the last 3 years, Liquidity, Credit and desired cost of money sought. There are all sorts of methods for determining the down but ultimately it seems a good number to build is 30-40% equity or more for early 2025. And generally expect “Higher” loan contingency and interest reserves in 2025.  Banks look more into Current Cash Liquidity and completed projects, Financials. The lender generally wants to know that if your project is delayed for any reason, that there are adequate Borrower/Entity reserves.

RE: Land-Often in CA we start and buy out a existing land Private Money Land loan at 50% LTV and set up the “ground up” construction loan. We generally place loans on “Ready to build” Multifamily and Residential homes, generally up to 20 units in California.

Please note: We are a cost effective Loan Broker and are often able to close these loans in 30-45 days or less once we have all the documentation/Plans/Permits and the LOI.

We offer Solutions!!

 

#2 Our Investment Rehab or Cash Out Homes Loans – California OR Nationwide!

We give our Investors Rental Loan Solutions and the opportunity to leverage Investment properties outside of California. No issue cash out! Rental Loans throughout the United states are in strong demand. We are very active in this area and have seen markets rebound.

Our Residential Investment Rental Loan Products are still from mostly “Institutional” or “Mortgage Banking” Money this month. Dan Cassel and the Trinity Mortgage Broker Team in San Diego have provided our Borrowers a reliable source for Investment Home Financing since 2009, with quite a few Aggressive Loan Solutions for Salaried and Self Employed Borrowers as well.  Many of our products are not typically offered at the “Local Full Service Banks”, including our Cash Out Loan Programs and Debt Service Coverage (DSCR) Loan Programs for “Lite Doc” Real Estate Investments. We can Cross-Collateralize multi-family and single-family rental assets across most US states!!

Who are our Rental Loans for?

Our products are generally designed more for the savvy, “solid”, experienced investors or developing investors who are busy capitalizing on the rapidly growing Rental Markets in California and seeking real time loan solutions in a Volatile Lending environment.  Investors need experienced “Value Add”  Mortgage Experts, their Lending team and Network of resources to help tee up many Investment loans today. Banks look deep into recent and future earnings of all Borrowers, so good Documentation, Liquidity and detailed completed projects are often key.  We are glad to review your loan requests, view states and zip-codes!

Below is a recent Investment Matrix to help get a general feel for most Investment Loan Products. We are glad to also review your specific requests securely and quickly for pricing and analysis. Simply Click Here and Get Started!  Or dial us direct at 866-310-1112.

One of Our team experts will always respond Quickly to your request(s). Thank you!

	Single Rental Loan	Portfolio Rental Loans	Fix & Flip Loans	New Construction Loans
LOAN PURPOSE	- Purchase a single property, or – Refinance a single property, option to take cash-out	- Take cash out of an existing portfolio to buy more properties, or buy out partners – Refinance or consolidate multiple rental loans	To Remodel or Rehab a Investment Property with goal of exit to be a sale.-Can be set up to be a fix and hold.	- Ground-up construction loans for developers and investors building 1-5 properties at a time – Lot financing can be included, if lots are in build-ready condition – Program available with exposure line of credit (LOC) for experienced, large volume investors and Builders
Qualifying Conditions	Non Owner Occupied Residential Only Close in Name of Business entity No FCs or Short sales in last 3 years3 years experience of finished projects Credit Score over 640	Non Owner Occupied Residential Only Close in Name of Business entity No FCs or Short sales in last 3 years3 years experience of finished projects	Non Owner Occupied Residential Close in Name of Business entity No FCs or Short sales in last 3 years3 years experience of finished projects ideal Call to learn more please!	Non Owner Occupied Residential Close in Name of Business entity No FCs or Short sales in last 3 years 3 years experience of finished projects
MINIMUM PROPERTY VALUE	Min $200,000	Min $175,000	Min $500,000	Min $500,000  Max 5 Mil
TERM	All loans 30-year Amortization5/1,7/1,10/1 Arms30 year Fixed	All loans 30-year Amortization5/1,7/1,10/1 Arms30 year Fixed	12 months Interest OnlyNo prepayment PenaltyOften no interest on unused Rehab Funds	12- months Interest (standard), with optional extensions
BORROWER TYPE	LLC or Individual?	LLC	LLC	LLC, Individual, Limited Partnership, or Corporation
MAXIMUM LOAN-TO- VALUE (LTV)	Up to – 80% LTV Often based on Credit Score, Experience, Liquidity	– 75% LTV for a fully amortized loan – 70% LTV for an interest-only loan	Generally up to 85% of Purchase & Repair Costs (LTC)Up to 70% (LTV)	Generally  75-85% (LTC) Up to 75%+  (LTV) Tell us your needs!
Required Documents	Varies. Application Start:1 Mo Banks Statement List of Current Properties owned (REO Schedule)Last 2 years tax returns, sales contract, entity Doc’s Drivers License Construction budget(If Flip, Multi, New Construction)	Varies. Application Start:1 Mo Banks Statement List of Current Properties owned (REO Schedule)Last 2 years tax returns, sales contract, entity Doc’s Drivers License Construction budget(If Flip, Multi, New Construction)	Varies. Application Start:1 Mo Banks Statement List of Current Properties owned (REO Schedule)Last 2 years tax returns, sales contract, entity Doc’s Drivers License Construction budget(If Flip, Multi, New Construction)	Varies. Application Start:1 Mo Banks Statement List of Current Properties owned (REO Schedule)Last 2 years tax returns, sales contract, entity Doc’s Drivers License Construction budget(If Flip, Multi, new Construction)
WHEN DO WE USE LTV VS LTC?	– Purchase: Use lesser of LTV or LTC calculation – Refinance: Use LTC until property has seasoned for 90 days, then use LTV	– Purchase: Use lesser of LTV or LTC calculation – Refinance: Use LTC until property has seasoned for 90 days, then use LTV	Generally, we use the lesser of LTV or ARV calculation	Generally, we use the lesser of LTV or LTC calculation
	-
REHAB & CONSTRUCTION FINANCING	N/A	N/A	Funding up to 95% of rehab budget, max 75% ARV Phone for analysis	Funding up to 95% of construction budget, up to 75% of land value Phone for analysis
PROPERTY TYPE	Non-Owner Occupied: Single family residences, 2-4 family units, Condos, and Townhomes	Non-Owner Occupied: Single family residences, 2-4 family units, Condos, Townhomes, and Multi-family properties 5 to 20 units	Non-Owner Occupied: Single family residences, 2-4 family units, Condos, Townhomes, and Multi-family properties up to 20 units	Non-Owner Occupied: Single family residences, 2-4 family units, Condos, Townhomes, and Multi-family properties up to 20 units Phone 866-310-1112 to reach Dan Cassel and learn more on our Builder Loan Products.

 

To learn more please Phone or email Dan:

Dan Cassel and Trinity Mortgage Brokers Direct San Diego line 866-310-1112

or Click Here and request a Free Loan Analysis and we will contact you right back!

**Our Construction loan sources typically offer our Borrowers Letters of Interest (LOI) within 72-96 hours of application and prior to final approval of course. We all review the loan terms and any required up-front fees to review plans, applications, and supporting documents. Our Loan knowledge saves our clients money and we look forward to the opportunity. Please note these details are subject to bank changes so we look forward to learning more!

 What People are saying about us:

“Dan did a fantastic job with my mortgage. Very responsive and he was able to get me a rate that was locked at exactly the right time. Couldn’t be happier with his service.

_ Manny D (San Diego County, CA)

“Dan was tenacious in helping us with financing. His determination in finding the best options for us far exceeded our expectations. His integrity, knowledge, and professionalism, are unparalleled. “

— Joe H. (Central Coast, CA)

“Dan is straight forward and honest in his approach to providing you the best products in the market. Had a great experience. “

— David C. (Bay Area, CA)

“I am a small business owner and contacted Dan for some refinancing on a business loan I had. Dan was knowledgeable and not only refinanced for me, but upon analysis he made a suggestion I had not even thought about. Based on his analysis and his suggestion I was able to increase my line of credit. That helped me expand my current project and build a few more units. His suggestion improved my sales and margins without any additional costs. I would highly recommend Dan, He definitely had my best interest at heart”.

Stu N ( WA )