services
Our set of skills
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Residential Hard Money loans are based on the After Repaired Value (ARV) of the property and include funds for both purchase and rehab.
Understanding the associated fees is crucial when considering a loan. Carwill Realty provides transparent details to ensure clarity in your decision-making process.
Interest Rates starting at 11.99% (interest-only payments)
As low as 1.99% origination (depends on deal and location)
Appraisal Fee: $500 on average (varies by market and turnaround time needed)
Loan Documents: Starting at $350.00
Loan Admin Fee: $650
Credit Report Fee: $80 ($120 for Joint)
Flood Certificate Fee: $15
Monthly Servicing Fee: $15
Understanding the terms of your loan is essential for effective financial planning. Carwill Realty provides flexible and comprehensive loan terms tailored to your needs.
A mortgagee’s title policy is required
An insurance policy is required on all loans for the term of the loan
Up to 75% of the After Repaired Value in Rental properties (excluding points and fees), not to exceed 100% of cost
*Proof of Refinance Required
Up to 70% of the After Repaired Value on Flips (excluding points & fees), not to exceed 100% of cost
6 month term
3 month optional extension (extension fees may apply)
Ensuring that borrowers meet specific criteria is fundamental to maintaining a successful lending relationship. Carwill Realty outlines the borrower criteria to provide clarity and transparency.
Minimum Median Credit Score of 600
Minimum of $15,000 or more in a Checking, Savings, IRA, and/or 401(k) account
No Recent Bankruptcy or Foreclosures (subject to review by Carwill Realty)
3 month optional extension (extension fees may apply)
Property criteria play a pivotal role in determining loan eligibility. Carwill Realty specifies the essential requirements for properties under consideration.
First Liens Only
Single-family, 2-4 unit, townhomes, finished lots, and land (no condominiums or manufactured homes)
Loans made on the After-Repaired Value (ARV)
Properties should be located in or around suburban and/or major metropolitan areas
* Carwill Realty reserves the right to adjust advance rate requirements as deemed necessary.
Appraisals and insurance are critical components of the loan process. Carwill Realty provides guidelines and expectations for these aspects to ensure a smooth lending experience.
All appraisals will be based on After-Repaired Value (ARV)
Appraisals will only be ordered by Carwill Realty
Borrower MUST provide a minimum 6-month insurance policy to be paid in full at closing.
* Insurance premiums are to be paid in full at closing. NO EXCEPTIONS.
Navigating the complexities of Debt & Equity Placement is a critical aspect of real estate transactions, and at Carwill Realty, we strive to offer comprehensive solutions tailored to your financial needs.
We understand that every real estate venture is unique. Our experts work closely with you to craft personalized financing strategies, ensuring that your specific requirements are met with precision.
Personalized financing strategies to meet your unique requirements.
Expert guidance on structuring debt and equity deals.
Carwill Realty offers access to a versatile portfolio of financing sources. Our aim is to provide flexible and customized solutions that optimize your capital structure, supporting your projects with the right financial framework.
Access to a diverse range of financing sources.
Customized solutions to optimize capital structure.
Communication and transparency are at the forefront of our Debt & Equity Placement services. From the initial evaluation of potential financing options to the finalization of deals, we ensure a clear and transparent process to guide you through each step.
Clear communication and transparency throughout the placement process.
Thorough evaluation of potential financing options.
As sustainability becomes an integral part of real estate development, Carwill Realty offers innovative Commercial Property Assessed Clean Energy (C Pace) financing solutions.
Carwill Realty specializes in providing financing for energy-efficient upgrades and improvements. Our C Pace programs offer incentives for environmentally conscious property enhancements, aligning your projects with sustainable practices.
Specialized financing for energy-efficient upgrades and improvements.
Incentives for environmentally conscious property enhancements.
Recognizing the unique needs of each property, our experts craft customized C Pace programs. We offer comprehensive support in navigating the application and approval process, ensuring that your property-specific green initiatives are effectively implemented.
Customized programs to align with property-specific green initiatives.
Assistance in navigating the application and approval process.
Carwill Realty's C Pace financing options are designed not only to reduce energy costs but also to enhance property value. We are dedicated to providing cost-effective solutions that align with your sustainability goals, contributing to both environmental responsibility and financial success.
Financing options designed to reduce energy costs and enhance property value.
Comprehensive support in leveraging C Pace for sustainable property improvements.
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