Residential | Nile Turtle Lending Team

Call or text 210 508 6814

RESIDENTIAL LOANS

We provide Private Money Lending for

Non-Owner Occupied Investment Properties

AirBnB | New Construction | Rehab | Fix-n-Flip | Straight Bridge Adjustable Rate Mortgages (ARMs) | Rental Property (30yr Fixed) Portfolio Loans | Jumbo | Multi-Family ResidentialRate-n-Term Refinance | Cash-Out Refinance | EMD Funding

Ask us about options for 100% Financing.

Short Term Residential Lending

Ground Up Construction (GUC) Loans

Long Term Residential Lending

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Up to 90% LTC | 100% Hard Costs | 10% Rate | ARV Cap 75% | Up to 24 Months

* Direct Lending

- Available in all major markets nationwide

- Non-Dutch Payments Programs

- No Tax Returns necessary

- No W-2s necessary

- No DTI requirements

- Rate and LTV determined by credit score and experience

- FICO of 680 or better

- Close in 2-3 weeks

Qualifications:

* Gold and Platinum Tier Builders Get Preferred Pricing

* First time builders welcome nationwide

NO MONTHLY PAYMENTS REQUIRED FOR FIX-N-FLIP LOANS

90% LTV | 100% Rehab | 10% Rate | ARV Cap 75%

* Direct Lending

- Available in all major markets nationwide

- No prior experience necessary

- No Tax Returns necessary

- No W-2s necessary

- No DTI requirements

- Rate and LTV determined by credit score and experience

- FICO of 660 or better

- Close in 2-3 weeks

Qualifications:

* Advanced Draws Available Nationwide for Gold and Platinum Tier Investors

* No Monthly Payment Plans Available for Properties over $100k

* Non-Dutch Payments Programs Available for all Tiers

Investment Property Acquisition or Refinance Loan:

Up to 90% CLTV
Up to 80% LTV (Appraised Value or Purchase Price)
Up to 75% LTV Cash Out
5.375% Rate (Fully Amortized, 30yrs Fixed)

* Direct Lending

- Available in all major markets nationwide

- No prior experience necessary

- No Tax Returns necessary

- No W-2s necessary

- No DTI requirements

* Rate & Term Refi Qualifications:

- Property Value Greater than $100,000

- DSCR Greater than 1.1

- Minimum FICO 650

- Close in 2-3 weeks

* No DSCR? No Cash Flow on the property? No Problem!

- Our FLEX DSCR Program has No Minimum DSCR (cash flow) requirement

- Property value must be greater than $100k

- 30yr fixed rate, fully amortized, conventional loans

- Pre-payment penalties range from 1 to 5 years

- Ideal for short-term rentals (like AirBnB and Vrbo Properties)