Real Estate
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Mortgage & Bridge Loans - “Hard Money”
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Loan Types: Purchase, Cash out, & Refinance
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Timing to Close: 2-4 Weeks
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Loan Size: $300,000 – $5,000,000
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LTV: Up to 70%
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Rate: Subject to market conditions, however, 10-12% is standard
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Lender’s Origination: 2%
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Term: 2-30 years
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Prepayment: 12 Months Minimum Earned Interest
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Deposits: None required for approval
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Asset Classes: Commercial, Residential, Industrial, others on case-by-case basis
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Markets: Nationwide with a focus on Metropolitan areas
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Fix and Flip for Real Estate Investors
We offer fix and flip loans for commercial and residential properties, up to a maximum 75% of the renovated value. We will fund
rehab projects provided you have the experience to complete the project.
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Loan Types: “Interest only” - Construction (including Ground-up), and Renovation/Value-Add
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Timing to Close: 2-4 Weeks
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Loan Size: $300,000 – $2,000,000
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LTC & ARV: Up to 75%
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Rate: 1-1.5% monthly
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Origination Fee: Start at 2%
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Term: 1-3 years
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Prepayment: 6 Months Minimum Earned Interest
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Deposits: None required for approval
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Asset Classes: Commercial, Residential, Industrial, others on case-by-case basis
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Markets: Nationwide with a focus on Metropolitan areas
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Sale-leaseback with Purchase Option
HOW IT WORKS
Cash out: Sale-Leaseback or rent back, is a transaction in which the seller sells the property and then leases back the property from
us with a buyback option. This is not a conventional mortgage.
WHY WOULD YOU DO A SALE-LEASEBACK?
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In a sale-leaseback, sellers can convert illiquid assets into cash while still retaining use of the property
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Lease payments are 100% tax-deductible versus mortgage payments are only tax-deductible the interest
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Free up capital invested in a real estate asset to finance business expansion, reduce debt, or return cash to investors
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Continue occupying the property
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By doing this, the property owner can get both the cash and use of the asset it needs to operate business
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Approximately time to close is expected to be between 3-5 weeks
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Purchase option price is fixed from the beginning of the lease
TERM
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Structure: Two separate agreements, one for the lease agreement and the other one for the buy-back option
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Property Location: United States
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Property types: Commercial, Residential, Industrial, Vacant Land, etc.
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Loan size: Ranges between $300,000 to 5MM
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Security Deposit: Residential Up to 75% LTV, Commercial 70% LTV, with some exceptions. Note: None of these two options are considered loans.
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Term: 2- 7 years
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Amortization: Up to 30 years
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Prepayment: No prepayment penalty after 2 years, with some exceptions.
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Rate: Subject to market conditions, however, 10-12% is standard based
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Credit Score: No minimum required
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Triple Net Lease: Lessee agrees to pay all the expenses for the property, including taxes, insurance, HOA, and maintenance. These expenses are in addition to the cost of lease payments and utilities
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Lease with purchase option
HOW IT WORKS
The lease-with-purchase option allows your customer to acquire a property (commercial or residential) without having to meet traditional underwriting standards or bank requirements. This is not a traditional mortgage; it is a program where the customer leases the real estate and has an option to buy it.
WHY WOULD YOU DO A LEASE WITH PURCHASE OPTION?
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A Lease with purchase agreement can be an excellent option if you’re wanting to buy a property for personal use or investment but aren’t quite ready to get a traditional mortgage.
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Lease payments are 100% tax-deductible “for businesses” versus mortgage payments “only interest is tax-deductible”.
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Approximately time to close is expected to be between 3-5 weeks
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Purchase option price is fixed from the beginning of the lease
TERM
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Structure: 2 agreements “Lease agreement and purchase option contract”
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Property Location: United States
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Property types: Commercial, Residential, Industrial, Vacant Land, etc.
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Loan size: Ranges between $300,000 to 5MM
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Security Deposit: Residential Up to 75% LTV (note* this is not a loan), Commercial 70% LTV, with some exceptions.
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Term: 2- 7 years
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Amortization: Up to 30 years
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Prepayment: Varies, however 2 years minimum lease payments made is standard, with some exceptions.
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Rate: Subject to market conditions, however, 10-12% is standard based
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Credit Score: No minimum required
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Triple Net Lease: Lessee agrees to pay all the expenses for the property, including taxes, insurance, HOA, and maintenance. These expenses are in addition to the cost of lease payments and utilities
Frequently asked questions
Your Path to Securing Financing
At East Harbor, we value your time and streamline the process to deliver optimal financing solutions with minimal effort
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Inquire and Consult
Fill out a brief inquiry form, and our advisors will quickly schedule a consultation to understand your financial needs and goals.
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Custom Financing Strategy
We create a financing plan that aligns with your portfolio, managing all details to ensure a smooth process.
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Effortless Execution
We handle everything from underwriting to fund disbursement, delivering your funds promptly so you can focus on growing your wealth.
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