FAQ

We offer a range of services tailored to meet your real estate investment needs. Our offerings include Fix & Flip, Buy & Hold and Refinance. We also provide Proof of Funds Letters, Collateral DNA Reports and have high equity off market property leads that are available for purchase.

Private money lending can be used for a variety of Real Estate Non-Owner-Occupied Investments, including Fix and Flips, Buy and Hold Properties, and Refinance.

We are a lender and a broker. If for any reason we can’t provide the funding you need, then we have a large network of other lenders we work closely with and we can broker the funds to you. We like providing options to the investors we work with, so they can have the best rates and the quickest closings available to them. We also have split equity opportunities available to provide you up to a 100% funding for your purchase, rehab and closing costs. Regardless of the loan type there is always a 3% Broker fee, which is standard in the industry.

It is based on the Asset you have under contract. Generally, we lend up to 90% of the purchase price and 100% of the rehab cost. Contact us to find out how you can get up to a 100% Funding.

Our current business model is to provide loans to real estate investors for non-owner-occupied real estate investments. If you are in need of funding for a home you will be occupying, enquire within and we can connect you with one of our owner-occupied funding partners.

About 14 days after we receive all required documentation but receiving all documentation can take three to four weeks. The key factor is the amount of time it takes you and your team to supply all the supporting documentation. We can do our part in roughly 14 business days, but Investors seeking funding rarely get us the documents quickly enough and complete enough to meet that. Aim for 30 days whenever you can. Remember: If the amount of time needed to close is a factor, you probably have competition, and competition rarely translates into a good deal. Bring your deal in to discuss it with us.

The FHA Cap represents the maximum loan amount in the county the investment property is located in. To find the FHA Cap in the county where the investment property is located click on the link below:
FHA Mortgage Limits (hud.gov)

ARV stands for After-Repair Value. It is the estimated value of a property after completed renovations.

Asset-based lending (ABL) refers to a type of financing in which a borrower secures a loan by using their assets as collateral. Instead of focusing primarily on the borrower’s creditworthiness, Intrinsic Funding relies on the value of the real estate assets being used as security.

1. Max Loan Amount: Just Bring Us Your Deal! No cap on the loan amount if the numbers make sense. Rest assured; we will help you get it done. Call us today for more details.
2. Dynamic Capital Funding has lending solutions from $30,000 up to the FHA Cap in the county where the property is located and can provide additional lending solutions based on the property you have under contract and type of loan needed.
3. Rates start at 7% annualized interest with an origination fee from 0-3%, and no prepayment penalties. (Rates are based on credit score but credit score does NOT determine loan approval.)
4. Loan Term: 6 Months to 2 Years for a fix & flip. 30 Years for a buy & hold.
5. One loan approved per applicant until proven track record.

Smart Funding requires an appraisal before closing. Appraisal costs vary from a minimum of $400 to approximately $700 depending on property location.

You can contact us at [email protected] or call at (845) 418-6365