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Loan Products
Acquisition Loan
Acquisition loans are a source of funding for investors to acquire new properties based on the value of the property. Unlike other types, these do not include funding for any renovations or repairs which may be required for the resale of the property. If you need to do construction, you may want to consider a new construction loan in addition to this type.
They’re typically used for the purchase of investment properties, as opposed to owner-occupied, including Single-Family Homes, Condo Conversions, Townhouses, Multi-Family Properties, Mixed-Use Properties, Commercial Properties, and shovel-Ready Land.
Fix & Flip Loan
It’s a short-term financing solution that is typically used to fund the purchase and repairs of an investment property. Investors can use this option for up to 12 month periods. It gets its name because investors purchase investment properties with the intention to fix it up and sell it for a profit. The difference between Fix & Flip loans and Acquisition loans is that Fix & Flip loans provide funds for both the purchase and the rehab of a property, whereas Acquisition loans are solely for the purchase.
Cash-out Refinance Loan
This is a popular option that investors and developers use to pull equity out of a property where they hold considerable equity and reinvest that money into a new opportunity under a new loan. It’s a great way to receive funding without requiring liquid assets in the bank.
Investors and developers utilize these options so they can dip into equity from current investments and use that equity towards a new purchase or opportunity. It makes a simple and fast solution when you may not have time to generate a partnership with liquid assets or when you do not have cash on hand.
Bridge Loan
It’s a short-term financing solution that is typically used to fund the purchase of an investment property while waiting for long term financing to close. Investors can use this option for up to 12 month periods. Investors use this interim financing to fill the gap between lenders. Often times investors have to purchase a property quickly because of competition or the desired price point. Because banks require a lot of documentation, it can take over a month for them to grant approvals which is why investors opt for a faster closing with hard money loans in this format.
OUR STORY
Decisive Capital is a direct private lending group that provides loans for real estate investors. We have been serving the real estate market since 2013 and have funded over 250 loans in DC, Maryland, and Virginia. We recognize that the real estate entrepreneurs need a trusted financial partner who can provide them the better service, commitment, and terms. We are proud of ourselves for not only delivering our promises but also saving the deals for many investors when their previous lenders failed to deliver the cash on the closing table.
At Decisive, our goal is to be your trusted partner, not just a lender. We recognize how difficult it is to find good deals. Don’t let all that hard work go to waste on the closing table because of your lenders. Partner with the best and ensure the success of your projects.
