LENDING AREAS
We lend in most states. And we're very competitive. Let's get your deal done today!
Alabama, Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Missouri, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas, Tennessee, Virginia, Washington, Washington DC, West Virginia, Wisconsin
Don't hesitate to send us loans in states we do not cover. We will point you in the right direction!
FIX-AND-FLIP FINANCING
Need to close quickly, cheaply, and at the highest loan-to-values? We make fix-and-flip financing easier for you.​ Remodeling & rehabbing a property correctly is already challenging.
We lend to experienced real estate investors as well as first-time borrowers. If speed is important to you, we can close in roughly two weeks if the paperwork is in order. We advance up to 90 percent of the purchase price and 100 percent of the rehab money to repair the property.
NEW CONSTRUCTION FINANCING
Fundsphere can lend on new construction projects for experienced borrowers. You can expect fast and flexible underwriting to materialize your perfect project. We can lend on the land, up to 75 percent, and then up to 100 percent of the construction money as entitlements and permits become available.
​
We understand that conventional options lack flexibility, speed, and common sense underwriting. That’s where we come in. Construction financing is typically only open to: experienced investors, contractors, builders. We look at your track record, and low credit scores are much less of a contributing factor than in other loan programs.
INDIVIDUAL RENTAL & PORTFOLIO TERM FINANCING
With our individual rental and bulk blanket loan options, you can lock in low interest rates to pull out cash or purchase more properties.
​
Fundsphere pays more attention to credit score in these types of loans: generally requiring a minimum of 650. We also look at debt service. Generally, we go up to 80 percent of the property value, and we will consider purchases of properties that aren’t yet rented and have minor cosmetic issues. We will even lend to foreign nationals and AirBnBs.
Many times, traditional banks are too slow to finance your projects,.