Hard Money Loans for Investors
Optimus Capital Inc. Hard Money Loans are quick and creative financing solutions for real estate investors. We can meet almost any need and close quickly through our private hard money loans. We can streamline all your funding needs while you build your real estate portfolio.
Approaching Our 10 Year Anniversary
Optimus Capital hard money can be used for rehab, construction completion or ground-up construction. We deliver fast and easy access to financing at the best terms available on the market.
Our success with our programs is based on the competitive “speed to market”. Determined by the borrower’s track record and experience, we can offer hard money loans at up to 90% of the purchase cost and 100% of renovations, for single-family properties and up to 80% for multifamily and commercial properties.
Optimus Capital can quickly and efficiently analyze your deal to make sure it fits within our criteria. We offer a full-service platform, that will help you through your entire deal from application to closing. We are here for you to succeed. Our process is efficient and simple. We are here to assist you so that you can grow.
Optimus Capital loans can be used for short-term or long-term projects lasting from a few months to years. We have bridge loans, construction completion financing loans and new construction loans.
built on trust
Optimus Capital Inc. - Hard Money Loans Designed With You In Mind
Location: Nationwide
5M Platinum Program
- Up to 90% Purchase / 100% Renovation
- up to 70% ARV
- 12-month interest only
- Dutch interest
- No prepayment penalty
- Easy approval
- Close in a week
- Fees: 695-749 underwriting, 695 processing, low points
- States: CA, CO, CT, FL, GA, IL, KY, MD, MA, MI, MO, OH, PA, SC, TX, TN, VA, WA, WV
Optimus Capital Ruby
Fix n Flip Program
- Up to 90% Purchase / 100% Rehab
- Interest only on as drawn upon (Renovation)
- Up to 70% ARV (non judicial foreclosure states)
- Up to 65% ARV (judicial foreclosure states)
- 12 month term(18 month possible)
- 100% rehab, interest only as disbursed
- No prepayment Penalty
- Close in 7 to 10 days
- As few as 2 – 3 past recent flips for experience (in order to qualify)
- Fees: 995 docs, 695 processing, 255 inspection draw, low points, appraisal
Optimus Capital Emerald Fix n Flip with Seller Carry Program
- Up to 80% of As Is Value – LTV (not to exceed 90% purchase)
- Flexible Term: up to 24 months
- Interest only no prepayment penalty
- Seller carry allowed for difference of first position lien, gap funding 2nds allowed up to 100% of purchase price
- Fees: 750 docs, 695 processing, 55 servicing, low points, inspection
- As few as 2 – 3 past recent flips for experience (in order to qualify) rentals count toward qualifying
Optimus Capital Emerald Bridge Refinance Program
- Up to 75% LTV (up to 10% loan amount can be cash out)
- Up to 24 month term
- Renovation funds possible
- Interest only no prepayment penalty
- Fees: 750 docs, 695 processing, 55 servicing, low points, inspection
- As few as 2 – 3 past recent flips for experience (in order to qualify) rentals count toward qualifying
Optimus Capital Ruby New Construction Program
- Use: New construction or tear down and build
- Up to 50% land acquisition cost (if not permitted)
- Up to 65% land acquisition cost (if permitted)
- Minimum loan: 75,000
- 18 month term
- Maximum LTC 75%
- Maximum completed value LTV 65% in judicial / 70% in non-judicial foreclosure states
- Interest paid online on what you draw
- ***Title must be held in entity
- 1-4 Family Homes, Condominiums, Townhouses (must be infill)
- Minimum Borrower Fico score: 650
- Interest only no prepayment penalty
- Borrower must have new construction or significant flip experience (where title was previously held by borrower)
- No development loans –
- This program is a first position lien = one lot + one SFR new build
Optimus Capital Emerald Multifamily Program (with Seller Carry 2nd Allowed)
- Use: Acquisition / refinance / cash out
- Renovation funds available (up to 100%)
- Up to 75% LTV (As Is Value)
- Up to 24 month term (more possible case-by-case)
- $250,000 minimum loan amount
- Multifamily 5+ units
- U.S. single purpose entity required
- Must demonstrate current or past evidence of subject asset class
- Borrower guarantee required
- Inspection Required
Optimus Capital Emerald Commercial Program (with Seller Carry 2nd Allowed)
- Use: Acquisition or Refinance
- Renovation funds available (up to 100%)
- Up to 70% LTV (As Is Value)
- Up to 24 month term
- $500,000 minimum loan amount
- Seller 2nd possible
- U.S. entity required
- Must demonstrate current or past evidence of subject asset class
- Borrower guarantee required
- Inspection Required
500+
Closed Transactions
5/5
Customer Rating
9+
Successful Years
We’ve Helped Hundreds of Investors Secure Hard Money Loans Across America
A nationwide leader in Hard Money loans
Contact us today to discuss your financing needs and discover how our expertise and flexible loan options can help you achieve your goals
