loan products

 FHA 100% FINANCING (96.5% 1st, 3.5% 2nd) Fast In-house Underwriting

 No First Time Homebuyer requirement 

600 FICO

 Okay Up to 2-units Follows FHA Guidelines and AUS approval 

Manufactured homes Okay

 6% Seller credits allowed for closing costs

Two options for the 2nd – 0% forgivable or amortized for 10 years Don't let a Down Payment stand in the way of h 

Program Features:

High Loan Amounts: Up to $2.5 million to support substantial property investments.

Flexible LTV Options: Up to 80% LTV, allowing significant leverage for purchases.

Profit & Loss Statements: Accepts 12 or 24-month P&L statements, making it easier for self-employed clients to qualify.

Generous DTI Ratio: Up to 50% DTI, ensuring a wider range of clients can fit the qualifying criteria.

Extended Terms: 40-year and Interest-Only options available, providing enhanced affordability and cash flow management.

Unlimited Cash: Offering cash-out refinancing up to 70% LTV and the potential for unlimited cash in hand.

Property Versatility: Financing available for primary residences, second homes, and investment properties.

Loan Amounts up to $4,000,000 • 12-24 Mo Personal or Business Bank Statements allowed • Gift Funds Allowed • Up to 80% LTV Cashout • Cashout can be used for Reserves • First Time Home Buyer Allowed • 40yr Fixed and 40yr I/O Available • Appraisal Transfer Allowed • Condotel and Non-Warrantable Condo's • Up to 90% LTV on Purchase 

Many retirees are finding it hard to envision how to fund their retirement on a fixed income. Thankfully, Owl Lending, retirees 62 years-of-age and older can now realize:

• Financial security
• Adequate cash flow
• A healthy portfolio
• A means to meet long-term care needs
• Ability to purchase a second home
• The freedom to enjoy retirement

• Credit history, including your personal FICO score and your business score
• Length of time your company has been in business; many lenders prefer at least one to two years of operation
• Net operating income, typically of at least 1.25 times higher than your total expenses
• Annual revenue, preferably at least $50,000 to $150,000
• Personal credit utilization ratio; the lower, the better
• Assets, such as equipment or inventory, for collateral

Access up to 95% of your home's equity—banks and personal loans can't compete!

Get cash fast—up to $500,000 funded in 21 days on average Customize your loan with flexible terms—5 to 30 years and options featuring 10 years of interest-only payments

 Enjoy faster, easier digital forms with dedicated experts to help when you need it Use your cash to pay off debt, do home improvements or anything else 

5+ Units (no maximum)

Loan solutions for: Purchase/refinance, institutional fall-outs, 1031 Exchanges, investment opportunities, business debt consolidation.

Loan to Valueup to 70%*Loan Amounts$200,000 to $7,500,000

Property TypesMulti-familyLien PositionFirsts and Seconds

LocationCalifornia – Coastal Metropolitan Term12 months – 15 yearsLoan PurposePurchase, rate and term refi and cash out

LTV to 70% *
Owner and Tenant Occupied

Office, Retail, Self-Storage, Industrial, Warehouse, Commercial Condo

Loan solutions for: Investment opportunities, purchase/refinance, institutional fall-outs, business debt consolidation, business entity borrowers, trust vesting, business purpose loans and 1031 exchanges

Loan to Valueup to 70%*Loan Amounts$200,000 to $7,500,000

Property 

Types

Commercial Office, Retail, Self Storage, Warhouse, Industrial, Commercial Condo.

Lien PositionFirsts and SecondsInterest Rates

Term 12 months – 15 yearsLoan PurposePurchase, Rate and term refi and cash out