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HARD MONEY - COMMERCIAL - FIX & FLIP Stated income and Full doc programs! Purchase & Refinance loans


by Eric Tran, Universal Commercial Capital

H ow would you like to work with a lender as eager to loan you money as you are to borrow capital for your real estate projects? In today’s real estate market, that “daydream” for many real estate investors has become reality. Real estate has always been an attractive asset class for investors wanting to diversify their portfolios with highly collateralized investments. Those investors have been making private and “hard money” loans for more than a century in the United States. However, in today’s uncertain eco- nomic times, real estate lending has become mainstream, and that has had some very positive ram- ifications for today’s active real estate investors. Wondering how a real estate market that is increasingly compet- itive is good news for your ability to borrow large amounts of capital at low rates quickly and on highly custom terms? Here’s your answer: The com- petition in the real estate lending market is heating up, and that is to your benefit because lenders – even those who prefer to acquire real property instead of lending on real estate deals – are finding them- selves with far more capital than they are finding good acquisitions. “Wait, how can too much money be a bad thing?” you may be think- ing to yourself right now. Well, the

truth is that when that money has been entrusted to a lender, it was entrusted to that lender with the goal of getting that money loaned out to earn interest! The goal was not for the money to sit “under the mat-

However, a lot of lenders who are new to this industry can represent a pitfall to you instead of an oppor- tunity – particularly if they do not appreciate the importance of timing and the finesse involved in real estate transactions. Before you sign with just anyone lending out money, make sure they can meet your needs. Ask a few questions, such as:

tress,” so to speak. For example, recently the New York State Teachers’

• Can you fund my loan quickly?

• Are you flexible on credit requirements?

Hard Money: Commercial: Fix & Flip Rates starting at: 9.99% LTV up to 70% 1-3 year I/O Under 7 Day Funding Rates starting as low as 6.5% LTV up to 75% 1-3-8 years fixed Under 4 weeks Funding

Retirement Sys- tem allocated about

• How many steps are involved in your process?

$200 million to a North American direct lending fund. Do you think that in 10 years, NYSTRS is hoping to still have $200 million with that fund? Of course not! They’re hoping for substantially more. The only way that fund can deliver is to make the direct loans in which they specialize by finding projects that are a good fit for their loans. With allocations like this (both at this volume and great- er) happening all over the country, the direct lending and hard-money sectors are really heating up. WARNING: NOT ALL CAPITAL IS GOOD CAPITAL This hot lending market is great for real estate investors like you , who actively generate quality leads and do productive, profitable deals.

Rates starting at 7.99% LTC up to 90% ARV up to 75% 1 year I/O Under 2 weeks funding

A lender that is a good fit for your type of real estate will be able to accommodate your timing, have the flexibility to work with you on individual projects and require- ments, and have a professional and fast application process that will not delay your transactions. In today’s real estate market, real estate investors deserve and can insist upon the best lending programs possible. Don’t settle for anything less. •

BRE# : 01217502 NMLS# : 1730798

ERIC TRAN CEO 714.300.8223

Eric Tran is the CEO of Universal Com- mercial Capital, a private lender based in Southern California specializing in Fix and Flip and Rent and Hold loans. Universal Commercial Capital also offers a no-tax-

18 | think realty magazine :: january / february 2020 IVY BACA VP SALES 213.784.2497

return, non-recourse apartment lending program. Learn more at

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