Questions? We have answers.
1. What Services Does Funding4Property LLC Offer?
We specialize in providing funding solutions tailored to real estate investors. Our services include Fix & Flip, Buy & Hold, Refinance, Commercial, New Construction, and Private Money Loans. Additionally, we offer Proof of Funds Letters, Collateral DNA Reports, Debt Stack Reports, and high-equity off-market property leads to give you a competitive advantage.
2. What are the benefits of private money lending?
Private money lending offers several advantages, including:
✅ Quick access to capital
✅ Flexible loan terms
✅ No minimum credit score requirements
✅ Ability to fund properties that may not meet traditional lending criteria
3. Are you a lender or a broker, and are there fees or commissions involved?
We operate as both a lender and a broker. If we can’t directly fund your deal, we leverage our extensive lender network to secure financing for you. Our goal is to provide the best rates and fastest closings. A standard 3% broker fee applies to all transactions, and for those seeking 100% financing, we offer joint venture opportunities.
4. How do you determine the loan amount?
Loan amounts are primarily based on the property under contract. We typically lend up to 90% of the purchase price and 100% of rehab costs. Contact us to explore options for up to 100% financing.
5. Do you offer 100% financing?
Yes! Through our joint venture program, we can provide up to 100% financing, covering your purchase, rehab, and closing costs.
6. What does True 100% Funding mean?
True 100% Funding covers up to 100% of your purchase, rehab, and closing costs—up to 70% of the ARV—when you establish a joint venture with Funding4Property LLC.
7. How long does it take to close a transaction?
On average, we close within 14 days after receiving all required documents. However, gathering documentation can take 3-4 weeks. To ensure a smooth closing, aim for 30 days whenever possible.
8. What is the FHA Cap?
The FHA Cap is the maximum loan amount allowed in a specific county. To check FHA loan limits in your area, visit: FHA Mortgage Limits (hud.gov)
9. What does ARV mean?
ARV (After-Repair Value) is the estimated market value of a property after renovations are completed.
10. What is Asset-Based Lending?
Asset-based lending focuses primarily on the value of the property rather than the borrower’s credit. While financial stability is considered, loan approvals depend mainly on the asset itself.
11. What are your loan terms?
✅ Loan Amounts: $30,000 up to the FHA Cap (additional solutions available)
✅ Rates: Starting at 7% annualized interest with 0-3% origination fees (rates vary based on credit score)
✅ Loan Terms:
- Fix & Flip: 6 months – 2 years
- Buy & Hold / Refinance: Up to 30 years
✅ Prepayment Penalties: None
✅ Approval Process: One loan per applicant until a proven track record is established
12. Is an appraisal required, and what is the cost?
Yes, an appraisal is required before closing. Costs range from $400 – $700, depending on the property location.
13. Do I need a licensed contractor bid?
In most cases, we require an itemized bid from a licensed and insured contractor before loan processing.
14. Is my information kept confidential?
Absolutely! Your privacy is our top priority. All information you provide is 100% confidential and will never be shared without your consent.
Still Have Questions?
We’re here to help! Contact Funding4Property LLC today to discuss your financing needs and investment goals.