header_image
Your search results

Helping Borrowers turn Projects into Profits

Whether it’s funding for the rehab of distressed homes, or cash-out refinance existing properties, we’re committed to helping you achieve your real estate investment objectives in the fastest, most cost-effective manner, while minimizing risk.

Loan Programs

Streamline Capital excels at developing innovative real estate financing solutions tailored to the specific needs of each borrower. Our commercial-purpose loans provide funds for the acquisition of single-family or multi-family rehabs.

Rental Loans

Asset-based loans with no personal income verification

We offer both Single and Portfolio Rental Property Loans. We help beginning rental property investors purchase their first property, and help seasoned investors unlock equity from established portfolios so they can grow.

Portfolio Rental Loan Portfolio Rental Loan
LOAN PURPOSE
  • Purchase a single property, or
  • Refinance a single property, with option to take cash-out3
  • Take cash out of an existing portfolio to buy more properties, or
  • Refinance or consolidate multiple rental loans
INTEREST RATE1
6.50 – 9.00%
5.50% – 7.50%
LOAN AMOUNT
$75K – $1.5MM15
$700K+
MINIMUM PROPERTY VALUE
$100,000
  • Multi-family 5-20 units: $30,000 per unit
  • Other property types: $50,000 per unit5
TERM
30-year fixed, full amortization
  • 5 years or 10 years with balloon due at end of term
  • Option to amortize up to 30 years, with interest-only option available6
BORROWER TYPE
LLC or Individual
LLC
MAXIMUM LOAN-TO-VALUE (LTV)7 Time Owned : Constraint

  • ≤ 90 days : 80% LTC
  • > 90 days : Full appraised value
  • 75% LTV for a fully amortized loan
  • 70% LTV for an interest-only loan16
MAXIMUM LOAN-TO-COST (LTC)
COST IS PURCHASE PRICE AMOUNT8
Time Owned : Constraint

  • ≤ 90 days : 80% LTC
  • > 90 days : Full appraised value
Time Owned : Constraint

  • ≤ 90 days : 80% LTC
  • > 90 days : Full appraised value
WHEN DO WE USE LTV VS LTC?
  • Purchase: Use lesser of LTV or LTC calculation
  • Refinance: Use LTC until property has seasoned for 90 days, then use LTV
  • Purchase: Use lesser of LTV or LTC calculation
  • Refinance: Use LTC until property has seasoned for 90 days, then use LTV
CASH FLOW REQUIREMENT
  • <$150K value: Max 70% Property Debt-to-Income Ratio (PDTI)
  • ≥$150K value: Max 85% PDTI
  • Fully Amortized Loan: Debt Service Coverage Ratio (DSRC) of 1.15x
  • Interest Only Loan: DSCR of 1.20x
PROPERTY TYPE Non-Owner Occupied:

  • Single Family Residences (SFR)
  • 2-4 unit properties
  • Condos
  • Townhomes
Non-Owner Occupied:

  • Single Family Residences (SFR)
  • 2-4 unit properties
  • Condos
  • Townhomes
  • Multi-family 5-20 unit properties

Fix & Flip Loans

Get the financing you need for your fix & flip and fix & hold properties

Our Fix & Flip Line of Credit14 offers experienced investors a line of credit they can use to acquire and/or renovate multiple properties. Our Fix & Flip Single Loan requires no experience and is available to first-time investors.

Fix & Flip Line of Credit
LOAN PURPOSE4
  • Exposure line14 up to $10MM for experienced investors (1+ completed flip in past 2 years)
  • Single property loan available with no experience required
INTEREST RATE1
6.99% and up
LOAN AMOUNT
$50K – $2.5MM
TERM
12 months (standard), with optional extensions
BORROWER TYPE
LLC, Individual, LLP, or Corporation
MAXIMUM LOAN-TO-VALUE (LTV)7
75% of After Repair Value (ARV)
MAXIMUM LOAN-TO-COST (LTC)
COST IS PURCHASE PRICE AMOUNT8
90%
WHEN DO WE USE LTV VS LTC?
Generally, we use the lesser of LTV or LTC calculation
REHAB/CONSTRUCTION FINANCING
Funding up to 95% of rehab budget, max 75% ARV
PROPERTY TYPES Non-Owner Occupied:

  • Single Family Residences (SFR)
  • 2-4 unit properties
  • Condos
  • Townhomes
  • Multi-family 5-20 unit properties

Get Your Funding Fast

We’re built to move fast. Probably faster than you’ve ever seen before.

 1st time borrowers approved quickly.

 Funding in 14-21 days for existing borrowers.

Is Your Project a Good Fit?

Streamline Capital specializes exclusively in commercial loan programs that help our clients finance the acquisition and rehabilitation of distressed residential & commercial properties.  Properties financed by Streamline Capital are often sourced from short sales, auctions, probate sales, bank-owned inventory, wholesalers, off-market or the multiple listing service.

Get Started With Your Loan Request

Fill out the form below to get started with your initial request.