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Haus Lending Logo
1-877-GO-4-HAUS
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Haus Lending Logo
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Real Estate
Investment Loans

The perfect real estate investment loan already exists – stop searching
The perfect real estate investment loan already exists – stop searching
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Fix & Flip

Haus Lending fix and flip credit lines provide you with a reliable funding source to purchase new properties or refinance existing investments.

Fix & Flip

  • Residential (1-4 Units)
  • Loan Amount: $50,000 - $5,000,000
  • Max Loan to Cost - Up to 85% purchase Up to 100% of rehab
  • Max Loan to ARV - 70%
  • Term Length - 12 months, Up to 18 at Lender Discretion
  • Recourse - Full recourse only
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Multifamily

Leading real estate loan lender for small balance multifamily investment properties, offering extensive debt solutions through a vertically-integrated, national lending platform.

Multifamily

  • Residential 5+ Units
  • Loan Amount - $500,000 - 5,000,000
  • Loan Types - Interest only, fixed and adjustable rate mortgage options
  • Max Loan to Stabilized Value - 75%
  • Term Length - Up to 24 months + two 6-month extensions
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Rentals

Our real estate investment loan products are flexible to meet the needs of different rental property investors allowing you to access long-term financing at a fixed rate.

Single family

  • Single Family/2-4 Unit/Townhomes/ PUD/ Warrantable Condos
  • Loan: $75,000 - $2,000,000
  • 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Term Length: 30 Years
  • Min Guarantor FICO: Mid-Score of 660
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rental Portfolios

  • Single family, 2-4 units, townhomes, PUD, warrantable condos 5-8 Unit Properties allowed up to 15% of Loan Amount
  • 5-20 Unit Properties allowed up to
    15% of Loan Amount
  • Loan Amount: $150,000 - $50,000,000
  • 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Term Length: 5, 10 & 30 Years
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MULTIFAMILY TERM

  • 5-8 Unit Residential Properties
  • Loan: $250,000 - $3,000,000
  • Max LTV
    Purchase/Rate-Term Refinance 70% Cashout Refinance 70%
  • Term Length: 30 Years
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Ground Up

Haus Lending offers new construction loan financing that provides builders with a straightforward, common-sense lending program

Ground up

  • Residential 1-4 Units
  • Loan Amount - $50K - $5M
  • Max Loan to Cost - Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
    LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
  • Max Loan to ARV - 70%
  • Term Length - 12 months, Up to 18 at Lender Discretion
  • Recourse - Full recourse only
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Stabilized Bridge

Haus Lending’s new Stabilized Bridge loans provide you with more flexibility for your investment properties.

Purchase

  • For borrowers who are seeking a quick close bridge loan to purchase rental properties that do not need renovations
  • Max LTC
    Subject to LTV Limits
    85%
  • Max LTV
    Subject to LTC Limits
    70%
  • Cash Out Allowed
    N/A
  • Minimum DSCR
    Minimum in place DSCR of 1.00x based on IO bridge loan payment.
    Minimum exit DSCR of 1.10x based on 30yr FRM and current lender rate + 50 bp
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Seasoned Refinance

  • For borrowers with rent-ready properties that have been owned for more than 12 months, do not have deferred maintenance, and are looking for cash out (value based underwrite)
  • Max LTC
    N/A
  • Max LTV
    70%
  • Cash Out Allowed
    N/A
  • Minimum DSCR
    Minimum in place DSCR of 1.00x based on IO bridge loan payment.
    Minimum exit DSCR of 1.20x based on 30yr FRM and current lender rate + 50 bp
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Non-Seasoned Refinance

  • For borrowers with rent-ready properties that have been owned for less than 12 months and do not have deferred maintenance
  • Max LTC
    Subject to LTV Limits
    85% +100% of completed renovations
  • Max LTV
    Subject to LTC Limits
    70%
  • Cash Out Allowed
    Follow LTC guidelines
  • Minimum DSCR
    Minimum in place DSCR of 1.00x based on IO bridge loan payment.
    Minimum exit DSCR of 1.10x based on 30yr FRM and current lender rate + 50 bp
Download Terms
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Over $8 Billion in loans for Real Estate Investors
Check out our brochure
Over $8 Billion in loans for
Real Estate Investors
Check out our brochure

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Secure Your Real Estate Loan Today!
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Fix & Flip

  • Fix and Flip Residential
    1-4 Units
  • Loan Amount:
    $50,000 - $5,000,000
  • Maximum LTC
    Up to 85% purchase
    Up to 100% of rehab
  • Max Loan to ARV
    70%
  • Term Length
    12 months, Up to 18 at Lender Discretion
  • Recourse
    Full recourse only
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MULTIFAMILY BRIDGE

  • Small Balance Multifamily Residential
    5+ Units
  • Loan Amount:
    $500,000 - $5,000,000
  • Loan Types:
    Interest only, fixed and adjustable rate mortgage options
  • Max LTC for Purchase
    80% of purchase value + 100% of rehab
  • Max LTC for Refinance
    75% of as-is value + 100% of rehab
  • Maximum Loan to Stabilized Value
    75%
  • Term Length
    Up to 24 months + two 6-month extensions
  • Recourse
    Loans<=$2mm: full recourse
    Loans > $2MM: Full Recourse or Limited Recourse with bad-boy carveouts Completion Guaranty/Reserve Replenishment Guaranty when applicable
  • Minimum Guarantor FICO
    Mid-Score of 680
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single family

  • Single Family Rental
  • Property Types
    Single family, 2-4 unit, townhomes, PUD, warrantable condos
  • Loan Amount:
    $75,000 - $2,000,000
  • Loan Types:
    30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Term Length
    30 Years
  • Max LTC
    If Owned <3months, 80% of total cost basis if owned between 3 and 6 months, additional 5% haircut on max eligible ltv
  • Max LTV
    Purchase/rate term refi: 80%
    Cash-out refi: 75%
  • Minimum Debt Service Coverage Ratio
    1.10x (Gross Rent/PITIA)
  • Recourse
    Full recourse only
  • Minimum Guarantor FICO
    Mid-Score of 660
  • Lease Requirements
    - Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
    - Unleased Units: 90% of Market Rent (Purchase Loans only)
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RENTAL PORTFOLIOS

  • Rental Portfolios
  • Property Types
    Single family, 2-4 units, townhomes, PUD, warrantable condos
    5-8 Unit Properties allowed up to 15% of Loan Amount
  • Loan Amount:
    $250,000 - $50,000,000
  • Loan Types:
    30-yr Fixed Rate Mortgage (Fully Amortizing)
    5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Term Length
    5, 10 & 30 Years
  • Max LTC
    80% if owned < 3 months
    No limit if owned > 3 months
  • Max LTV:
    Purchase/rate term refi: 80%
    Cash-out refi: 75%
  • Minimum Debt Service Coverage Ratio:
    For portfolios with <=$2mm and <=10 properties: 1.10x (gross rent/pitia)
    For all other portfolios: 1.20x (Net Cash Flow/Debt Service)
  • Recourse
    Non Recourse with "bad-boy" carveouts and Pledge of Equity of Borrowing Entity
  • Minimum Guarantor FICO
    Mid-Score of 680
  • Lease Requirements
    Minimum Occupancy Rate of 90% by Unit Count
    - Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
    - Unleased Units: 90% of Market Rent (Purchase Loans only)
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MULTIFAMILY TERM

  • Multifamily Term
  • Property Types
    5-8 Unit Residential Properties
  • Loan Amount:
    $250,000 - $3,000,000
  • Loan Types:
    30-yr Fixed Rate Mortgage, OR 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Term Length
    30 Years
  • Max LTC
    If Owned <3 months, 80% of Total Cost Basis If Owned between 3 and 6 months, additional 5% haircut on Max Eligible LTV
  • Max LTV
    Purchase/Rate-Term Refinance: 70% Cashout Refinance: 70%
  • Minimum Debt Service:
    1.20x - 1.40x, based on subject market classification (Top, Standard, Small, Very Small)
  • Recourse
    Full recourse or non recourse with bad-boy carveouts and pledge of equity
  • Minimum Guarantor FICO
    Mid-Score of 680
  • Lease Requirements
    Minimum Occupancy Rate of 90% by Unit Count Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent Unleased Units: 90% of Market Rent (Purchase Loans only)
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GROUND UP

  • Ground Up Construction Residential
    1-4 Units
  • Loan Amount:
    $50,000 - $5,000,000
  • Maximum Loan to Cost
    Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction

    LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
  • Maximum Loan to Cost Total
    80%
  • Max Loan to ARV
    70%
  • Term Length
    12 months, Up to 18 at Lender Discretion
  • Recourse
    Full recourse only
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