Residential Real Estate Investment Capital

Rehab Express© Program
We can arrange 48 hr rush funding of up to 100% of the combined purchase and repair costs on rehab properties, subject only to property inspection, appraisal and project budget reviews. No min required credit score. No income verification. No asset verification. The maximum loan-to-after-repair-value is 50% to 60%, depending upon the loan-to-cost and the level of repairs required. The funds are then disbursed in up to 4 separate draws over the rehab period.

No Fico Rehab Traditional© Program
We can arrange traditional funding of up to 80% of the combined purchase and repair costs on rehab properties, at very competitive interest rates, up to $250,000. No credit score requirement, with verified cash reserves. The maximum loan to after repair value is 70%. The funds are typically disbursed in up to 4 separate draws over the project's duration.

Rehab Traditional© Program
We can arrange traditional funding of up to 90% of the combined purchase and repair costs on rehab properties, at very competitive interest rates. Good credit is required, as well as a strong balance sheet. Full income and asset documentation is also required. The maximum loan to after repair value is 70%. The funds are typically disbursed in up to 4 separate draws over the project's duration.

Score Advantage Rehab© Program
For a borrower with a strong credit score, we can arrange funding of up to 100% of the combined purchase and repair costs on rehab properties, subject to a full documentation underwriting review. The maximum loan-to-after-repair-value is a hefty 75%. The funds are then disbursed in up to 4 separate draws over the rehab period.

The Landlord Loan© Program
For investors looking for longer-term capital appreciation, we can also provide up to 70% permanent financing for single and multi-family rental properties, up to 4 units. For larger properties, please see our commercial lending page.

Exit Strategy© Program
Professional real estate investors frequently use their own private money, lines of credit or seller financing to acquire properties. Once an investor has created an equity position in a property, he must have an exit strategy that will allow him to divest himself of the property and realize his profit. By integrating the use of institutional money with his own private sources of capital, our investor clients can guarantee themselves a way to cash out of their investments. We specialize in providing financing to the tenant-buyers and retail customers of builders, rehabbers and rent-to-own investment specialists, allowing them to quickly cash out of their investments.

Private Mortgage Banking:
Integrative Financial Solutions for Homeowners

Leverage Maximizer© Program
Instead of making a down-payment, this solution allows our clients to leave their cash invested in their current portfolio where it remains under their control, and they simply pledge these funds as additional collateral. This integrated approach avoids the the dilution of our clients' equity holdings, escapes the capital gains tax, secures a favorable interest rate and allows 100% financing on even the most expensive homes.

Equity Maximizer© Program
This innovative home ownership accelerator program uses the power of our client's income to slash thousands off the total interest paid and years off the payoff time. All of this is accomplished without requiring a change in spending habits or inhibiting access to the client's cash. Clients direct-deposit their entire paycheck into their mortgage, instead of their checking account, where they can still access their funds by ATM, check or debit card. This immediately reduces the principal balance. Since interest is based on the daily average balance, compared to traditional loans, more of each payment is applied to principle and less is charged to interest. Use our interactive simulator for a demonstration.

Yield Maximizer© Program
This structure elegantly integrates our clients' real estate and financial investments, thereby optimizing the rate of return on the combined portfolios. By minimizing our client's mortgage payment to as low as 2.50% interest-only, we engineer the highest possible cash-on-cash return on their real estate. Consequently, we are able to redirect cash from mortgage payments into the high-yield financial investments. By synthesizing real estate and financial strategies, we secure for our clients the optimum combination of tax benefits, use of leverage, return-on-investment and liquidity. Ironically, despite requiring the lowest monthly payments, this approach can pay off a mortgage faster than any alternative capitalization strategy.

Owner-Builder© Program
We can assist an owner-builder in his quest to build his dream home, by providing financing for ground-up-construction, home remodeling projects and rehabs. We integrate the construction financing into the permanent financing from very the beginning. So, there is only one closing and one set of lender fees. During the 6 to 18 months of construction, no mortgage payments are required. Upon project completion, the construction loan is automatically replaced with the client's choice of permanent financing. The owner-builder is required to invest as little as 5% of the project's total costs.

Distressed Homeowner Programs

Mortgage Renegotiation
Bel Air Capital makes mortgage and debt settlement services available to its clients through an independent agency agreement with one of he nation's leading debt settlement companies. The ideal candidate for a mortgage renegotiation has had a temporary interruption of income, an unusual one-time hardship expense, ballooning mortgage payments and/or the inability to refinance. However, he or she must have enough reliable income to make the new, renegotiated mortgage payments. Additional delinquent debt can also be settled…freeing up even more cash to make mortgage payments.

Traditional Loan Programs

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