Financing that goes the distance.
Our commitment to investors and brokers is: lower rates, greater flexibility, and faster closings.
General Guidelines
| Long Term | Bridge | Value-Add | |
|---|---|---|---|
| Eligible Properties | Residential 1-4 Residential 5+ Commercial |
Residential 1-4 Residential 5+ Commercial |
Residential 1-4 Residential 5+ |
| Loan Maximum | Residential $3M per property Multifamily $20M+ Commercial $5M |
$12.5M+ | $12.5M+ |
| Terms | Up to 30 Years | 12 Months extensions Available |
12-18 Months extensions Available |
| Rate | 5.99%+ Residential 5.99%+ Multifamily 9.49%+ Commercial |
8.49%+ Residential 8.99%+ Multifamily 8.99%+ Commercial |
8.49%+ Residential 8.99%+ Multifamily |
| Maximum LTV | 80% Residential 75% Multifamily 70% Commercial DSCR 1.10X-1.25+ Required |
90% Residential 80% Multifamily 70% Commercial |
90%+100% Residential 75% ARV Max 75%+100% Multifamily 65% ARV Max |
| Minimum FICO | 650 | 600 | 600 |
When you partner with us, we will simplify the process and provide guidance along the way for efficient closings.
A Fluid Approach
Here’s how we work in 4 easy steps…
We’re ready.
Are you?
Frequently Asked Questions
+ What is a hard money loan?
Hard money loans are a specific type of asset-based loan that is typically secured by real estate. At Carlyle Capital, loans are backed by non-owner occupied residential real estate or commercial real estate.
+ Do you lend on owner-occupied houses?
Carlyle Capital is a commercial lender meaning our loans are used for business purposes, rather than individual or personal interests. We do not provide funding for the purchase of any owner occupied residential properties.
+ Do you lend to foreign investors?
Absolutely! We do provide financing for foreign investors with a green card for our short-term and long-term programs. If the borrower has a thorough US credit profile, the foreign national status may have no affect on leverage and pricing, however, if the history is limited, there typically will be an adjustment to leverage and pricing.
+ How does my credit score affect the approval of my application?
Our loans are asset-based, meaning that we are primarily relying on the real estate collateral as our security for the loan we provide. The borrower’s credit score is taken into consideration when underwriting the loan, and do typically require a credit score of 600 or higher for our bridge programs, and 650 or higher for or long term loan programs. If you don’t have a credit score that meets our guidelines, then you will have to partner with someone and they will have to be included on loan to qualify.
+ Is an appraisal always required to fund a loan?
Yes. An appraisal is required for all loans to allow us to fully understand the collateral which we are providing a loan against. We leverage various Appraisal Company’s to ensure we get the best appraiser assigned to each specific property’s needs.
+ What States do you lend in?
Carlyle Capital is able to lend to most states in the U.S. with the exception of North Dakota, South Dakota, Vermont, and West Virginia.
+ Do you pay broker/referral fees?
Carlyle Capital will gladly compensate you for a referral that results in a closed loan. Broker fees are paid at closing.