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201-643-6650
Lowest cost of Capital lender
Our investors recognize Accolend for our low rates, no‑points loans, and client friendly services.
We deliver fast, no‑suprises loan closing.
Purchase LTC
Up to 85%
Up to 65%
Up to 75%
Up to 80%
Construction LTC
Up to 100%
Up to 100%
-
-
Total LTC
Up to 90%
Up to 80%
-
-
LTV ARV
Up to 70%
Up to 65%
-
-
Rates, with points
From 9%
From 9%
From 9%
-
Rates, no points
From 10.75%
From 10.75%
From 10.75%
From 6.875%
Loan size
150k-15m
300k-15m
150k-15m
150k-3.5m
Property Type
SFR 1-4, MF 5+, MU
SFR 1-4, MF 5+, MU
SFR 1-4, MF 5+, MU
1-8 Family
Closing Time
5-10 days
7-15 days
5-12 days
30 days
Experience
Not required
Required
Not required
Not required
Min FICO
620
650
620
640
Term
Up to 18 months
Up to 24 months
Up to 12 months
30 years
Purchase LTC
Up to 75%
Up to 80%
Construction LTC
-
-
Total LTC
-
-
LTV ARV
-
-
Rates, with points
From 9%
-
Rates, no points
From 10.75%
From 6.875%
Loan size
150k-15m
150k-3.5m
Property Type
SFR 1-4, MF 5+, MU
1-8 Family
Closing Time
5-12 days
30 days
Experience
Not required
Not required
Min FICO
620
640
Term
Up to 12 months
30 years
Purchase LTC
Up to 75%
Rehab LTC
Up to 100%
Total LTC
Up to 80%
LTV ARV
Up to 67.5%
Rates, with points
From 9%
Rates, no points
From 11%
Loan size
400k-15m
Property Type
5+ Units, Mixed Use
Closing Time
1-3+ weeks
Experience
Scenario Dependant
Min FICO
670
Term
Up to 12 months
FAQ
Are you a lender?
Yes, we are a direct lender.
What is the total loan cost?
The total cost is around $1900. $150 is paid for credit reports once the deal terms are agreed upon and the term sheet is signed by borrowers; and the remaining $1,750 is paid at the deal’s closing.
Do you have any upfront fees?
No, we do not charge any upfront fees.
What kind of fees do you charge?
There are fees associated with legal documentation; background and criminal reports; as well as servicing setup and wire fees.
Do you charge for applications?
We do not charge application fees.
What type of loans do you finance?
We lend money for non-owner occupied, investment properties.
What type of properties do you finance?
We finance 1-8 family, condos, mixed-use, and multifamily (up to 50 units).
How fast can you fund a deal?
As little as 3-5 days, but typically 7-10 days.
LTV or ARV?
We lend based on cost. We DO NOT lend on an ARV basis.
Do you offer 100% LTV?
We only finance up to 85% of purchase and up to 100% of rehab.
Do you allow second liens on your loans?
Second liens on our transactions are not allowed.
Do you cross-collateralize loans?
Yes, we can cross-collateralize existing loans to get higher LTV.
Minimum FICO score?
Minimum FICO Score of 620.
Criminal background?
Not allowed.
Citizenship?
Green Card Holder or US Citizen.
Personal guarantees?
Required.
Do you offer loans to LLCs?
Yes, we offer loans to LLCs, however we require personal guarantees.
Can you lend to individuals?
Yes, we do lend to individuals, however, we prefer to lend to LLCs.
Personal loans?
We do NOT offer any personal loans.
Ground-up construction?
Yes, we finance ground-up loans, however previous ground-up experience is required.
What information is required for underwriting?
We require bank statements, fix-and-flip/real estate experience, credit history, and background checks.
Do you need an appraisal?
Yes, we require an appraisal.
Commercial Real Estate?
We do NOT offer commercial real estate loans.
Can a broker or another intermediary refer a client?
Yes, you can. Please give us a call to discuss how we can work together.
Where do you lend?
We lend in 40 US states, but we do not lend in AK, AZ, HI, ID, MN, NV, ND, SD, OR, UT.
What differentiates you from other hard money loan lenders?
Unlike our competitors, we offer no-points programs, low rates, great customer service, smooth execution, and pragmatic underwriting.
Are you a direct hard-money lender?
Yes, we are a direct lender. We are a private hard money lender, but since our rates are low and we don't charge points, many of our clients don't consider our loans as hard money financing.
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