3J Bar K

Real Estate Investment

Funding Options

We provide funding options for multiple real estate investments.  Our private money loans, often referred to as "hard money" or "bridge loans," offer three significant advantages over conventional or bank-financing arrangements: (1) private lenders can fund quickly, (2) within a flexible structure and (3) without ugly prepayment penalties.

Below are the top funding options we currently provide

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Fix and flip (Purchase & Renovation)

  • Up To 90% of the Purchase Price (90% LTC)
  • Up To 100% of all Renovations (Rehab)
  • Up to 70% ARV (After Repaired Value)
  • Rates: 8.50% - 14.99% Interest Only
  • 6-24mo Terms Available w/ No Prepay Penalty
  • 3-6% Origination Fee
  • No Minimum Credit Score To Participate
  • Loan Amounts: $75,000 - $10,000,000 (Purchase & Rehab Combined)
  • Closing in as little as 10 Days
  • Residential & Light Commercial Investment Properties Welcome
  • EXPRESS LOANS CLOSING IN 5 DAYS OR LESS!!
  • 100% FUNDING WHEN YOU CROSS COLLATERALIZE YOUR EQUITY! 
     
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Fix and Flip (Teardown & Rebuild)

  • Up To 90% of the Purchase Price (90% LTC)
  • Up To 100% of all Renovations (Rehab)
  • Up to 70% ARV (After Repaired Value)
  • Rates: 8.50% - 14.99% Interest Only
  • 6-24 Month Terms Available w/ No Prepay Penalty
  • 3-6% Origination Fee
  • No Minimum Credit Score To Participate
  • Loan Amounts: $75,000 - $10,000,000 (Purchase & Rehab Combined)
  • Closing in as little as 10 Days
  • Residential & Light Commercial Investment Properties Welcome
  • EXPRESS LOANS CLOSING IN 5 DAYS OR LESS!!
  • 100% FUNDING WHEN YOU CROSS COLLATERALIZE YOUR EQUITY!!
     
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New Construction

  • Up To 100% Funding of Vertical Construction Costs (When Land Is Owned Free & Clear)
  • Land + New Construction Costs With Just 20% Down
  • Up To 75% ACV (After Constructed Value)
  • Rates: 8.99% - 14.99% Interest Only
  • 6-24 Month Term - No Prepay(s)
  • 3-6% Origination Fee Per Transaction
  • Residential: $75,000 - $5,000,000
  • Commercial: $150,000 - $15,000,000
  • Average 10 Business Days To Close
  • Foreign Nationals Welcome!
  • No Minimum Credit Score Required



 

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Lines of Credit

  • Use: Fix & Flip, New Construction, Tear Down & Rebuild or Bridge Purchase
  • Lines Up To 5 Million USD
  • Up To 90% of Purchase Price
  • Up To 100% of Renovations or New Construction
  • 70% ARV (After Repair/Construction Value)
  • Rates: 8.50% - 14.99% Interest Only
  • 1 Year Term - Auto Renew - No Prepay(s)
  • 2-5% Origination Fee Per Transaction
  • Transact On Multiple Deals At One Time - No Limit
  • 1% Fee To Activate Line w/ Legal Service Fee
  • Cross Collateralize - Use Existing Equity & Gain 100% Funding
  • No Minimum Credit Requirement To Participate
  • Covers 100% Funding of All Vertical New Construction Costs
     

Buy and Hold

  • Up To 75% Loan To Value
  • Nationwide Loans Available
  • Rates: 6.50% - 10.50% (Principal & Interest)
  • 3 - 30 Yr Fixed Loans Available - 30 Yr Amortized
  • 1-5% Origination Fee Per Transaction
  • 650 Minimum Credit Score Required
  • Loan Amounts: $50,000 - $30,000,000
  • Average 15 Business Days To Close
  • Permanent & Non Permanent Resident Aliens Approved!!
  • No Income, No Asset & No Employment Verification!!
  • Special No Doc Loan Program in State of Florida


 

    REFinance

    • Up To 75% Loan To Value - Only 30 Days Seasoning Required
    • Rate & Term OR Cash-Out Refinance Available
    • Rates: 6.50% - 10.50% (Principal & Interest)
    • 3 - 30 Yr Fixed Loans Available - 30 Yr Amortized
    • 1-5% Origination Fee Per Transaction
    • 650 Minimum Credit Score Required
    • Loan Amounts: $50,000 - $30,000,000
    • Average 15 Business Days To Close
    • Permanent & Non Permanent Resident Aliens Approved!!
    • No Income, No Asset & No Employment Verification!!
    • Special No Doc Loan Program in State of Florida

     

       
       

      Top three advantages of hard money loans

      1. Rapid Funding of Loans
      Trying to secure even the simplest of loans from a financial institution in the post-Enron, post-economic downturn world can be extremely difficult. Banks never-ending requests for forms, statements and other documents force businesses to wait. But we all know that opportunity waits for no one. We can move quickly and base decisions largely on the liquidation value of the collateral provided. Faster decisions mean you start moving forward in your business rather than get caught in funding limbo.

      2. Flexible Term Structure
      Your business is constantly adapting to changing market circumstances. Traditional financial institutions aren’t as flexible and typically take a one-size-fits-all approach to all requests. We can structure repayment and collateral release terms in ways that are mutually beneficial to both borrower and lender. Greater flexibility often results in better outcomes.

      3. Prepayment Penalties
      You know that even the best-laid plans can change, hopefully for the better. If business goes particularly well, the last thing you want is to be penalized for your success. Yet traditional financial institutions often charge hefty prepayment penalties if circumstances change and a loan is fully or partially repaid before the due date. We are fully invested in your success and typically structure loans with or without limited prepayment penalties or added fees. It’s one more way a private lender can contribute to your success.