Hard Money Lenders: How They Work and How CR Equity AI Compares
Hard money lenders make short-term real estate loans based mainly on property value, usually interest-only for 6–24 months with a balloon at maturity. This guide covers what hard money really costs, when it’s the right tool, and how CR Equity AI compares as a direct lender: rates from 10.99%, terms in about 5 minutes on a soft pull, and a typical close in 9–15 days.
Fix and Flip Loans: The 70% Rule, Loan-to-Cost and How CR Equity AI Funds Rehabs
The 70% rule caps your offer at 70% of after-repair value minus repair costs, and the remaining 30% has to cover commissions, closing costs and lender fees, not just profit. Learn how fix and flip loans use loan-to-cost and ARV, see CR Equity AI’s leverage grid by experience and credit score, and find out how first-time flippers qualify with no tax returns.
What Is a DSCR Loan? Formula, Requirements and Examples
The debt service coverage ratio (DSCR) is net operating income divided by annual debt service, and a DSCR loan uses it to qualify investors on the property’s income instead of personal income. See the formula, a worked 1.45x example, ways to improve coverage, and CR Equity AI’s DSCR terms: 1.00x floor, no tax returns, and a typical close in 9–15 days.
Commercial Real Estate Loans: Types, Requirements and How CR Equity AI Lends
Most commercial real estate loans run 65%–80% LTV with a DSCR of 1.20–1.50 and 25–30 year amortization on a 5–10 year term. Here’s how the main loan types compare, what lenders require, and how CR Equity AI funds small balance commercial, bridge and DSCR loans with a decision in about 4 hours.
Bridge Loans for Real Estate Investors: Terms, Costs and Exit Strategy
Bridge loans for real estate investors cover the gap between buying a property and selling or refinancing it. Learn what bridge loans cost, common uses, why the exit matters most, and how CR Equity AI’s bridge terms compare.
Funded Deal – Seattle WA DSCR Cash-Out Refinance $550K
CR Equity AI funded a $550,000 DSCR cash-out refinance on a Seattle single-family rental in 12 days, closing within 48 hours of the full appraisal coming back.
Portfolio Loan vs Individual DSCR Loans — Which Wins?
Stack individual DSCR loans or consolidate into one blanket loan? We break down costs, rates, and risk side by side so you can pick the right structure for your portfolio.
Funded Deal: Southern California Multifamily Financing
CR Equity AI closed multifamily financing for an apartment property in Southern California, one of the nation’s most supply-constrained rental markets, using direct capital and disciplined, data-driven underwriting.
How DSCR Loans Support a Stable Housing Market
Learn how a DSCR loan can help investors secure rental properties, support consistent cash flow, and contribute to a more resilient real estate market How DSCR Loans Can Stabilize the Real Estate Market DSCR loans can give real estate investors a steadier way to finance rental properties when inflation, rising mortgage rates, and uncertain […]
Credit Boxes for CRE Deals: Screen Fit Before the Credit Pull
Learn how credit boxes use FICO, debt to income, loan to value, and coverage rules, then screen lender fit and prepare a stronger deal submission.