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Residential Real Estate Division

Residential Real Estate - Hard Money

Residential Hard Money Program Guidelines:

Synergy Capital Markets exists to fill the gap where lending restraints have left many qualified applicants without access to funding. Our custom oriented underwriting approach allows us to not only focus on the numbers but on the entire applicant situation in order to provide an innovative financing structure that meets their needs. We get the job done in days!

Eligible Property Types:

  • Single Family Residence

  • Duplex

  • Triplex

  • Four Plex

  • Mobile Home With Foundation

  • Modular/Manufactured Home With Foundation

  • Town House

  • Condo High Rise

  • Condo

  • Ranch Property

  • Farm Property

  • Residential on Large Acreage (Any Size)

  • Agricultural Property

  • Co-op TIC

  • Dome House

  • Historic Property

  • Log Home

  • Cabin Home

  • Multiple Homes Same Lot

  • Non-permitted Structure

  • Live Work Property

Eligible Types of Borrowers:

  • Owner, Non Owner Occupied or Investment

  • Sole Proprietorship, LLC or Corporation

  • Foreign Nationals

  • Visa, Green Card, or None

  • Borrowers in Bankruptcy

  • Borrowers in Foreclosure or Bailouts

  • Owned by Sole Proprietorship, LLC or Corporation

  • Borrowers in Probate/Trust

  • Trust, Living Trust, Non Revoke

  • Attorney in Fact

Eligible Types of Loans:

  • Owner User, Non Owner Occupied or Investment

  • Purchase Money

  • Refinance

  • Cash out (No Cap)

  • Property Listed for Sale

  • Foreclosure/Bankruptcy Bailouts

  • Mezzanine Debt/2nd- Purchase

  • Properties in Probate/Trust

  • Mezzanine Debt/2nd- Refinance/Cash Out

  • Purchase Plus Construction

  • Purchase Plus Rehab

  • Refinance Cash Out Plus Construction

  • Refinance Cash Out Plus Rehab

Private Money Program - Asset Based Lending:

  • LTV (Loan to Value) up to 70% (75-80% ltv case-by-case)

  • Loan Term: 1, 2, 3, 5, and 7 years (10 or 15 yr case-by-case)

  • Interest Only or Amortized Over 30 or 40 Years

  • Interest Rates: 7.99% to 10.99% Risk Base Pricing, Interest Only Option

  • No Prepay Penalties Options

  • Cross Collateralize for Maximum Loan Amounts

  • Not Fico Based, Bad Fico or No Fico OK

  • All Property Conditions Allowed

  • All Locations Allowed, Urban, Rural etc.

  • Vacant OK Bad Condition All Condition OK

  • No Citizenship Foreign National OK TIN OK

  • Low Pricing Available/Risk-Based Pricing

  • Stated Income/Siva/No Doc/Sisa

  • No Reserves Needed No Ratio OK

  • Programs Allow 100% CLTV (combined loan to value)

  • No title seasoning/Next Day Value Ok/Non Recourse Option

  • BK Chapter 7,11,13 OK/Debtor in Possession Program

  • Old Foreclosures OK, Old Repos OK

  • No Net Worth or Liquidity Requirements

  • No Appraisal Needed Program, Old Appraisal OK Desk Review OK

  • ​No Min or Max Loan Amounts

  • Close Loan in 7 Days

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