RENOVATION INVESTMENT LOAN PROGRAM
Welcome to Cotton Funding and Investment Group. This page outlines the Basic Terms of our funding options for fix-and-flip including Fix-and-Hold. Applicant's seeking Custom Terms should get in touch with us.
At the Last Section of this page, you will find Video Reviews from recent clients we funded, as well as the Loan Application Form.
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Investment Properties
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closing in 7-10 days
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No Pre-Payment Penalty
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Up to 100% of the purchase price and renovation costs, depending on the deal structure
PROPERTY TYPES
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Single Family Homes
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Duplex, Triplex, Quadplex
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Warrantable Condominiums
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Townhomes
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Multifamily 5+ Units (Experience Required)
PROGRAM TERMS
Terms | 3+ Flips Last 36 Months | 0-2 Flips Last 36 Months |
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Loan Amount | $100,000 to $2,500,000 | $100,000 to $2,500,000 |
Loan to Rehab | Up to 100% | Up to 100% |
Loan to purchase | Up to 90% | Up to 85% |
LTC | Up to 95% | Up to 85% |
ARV | Up To 75% | Up To 75% |
Term | 6, 12, 18 or 24 Months | 6 ,12 or 18 Months |
Rate | 8.99% – 10.99% | 11% – 12.99% |
Points | 1-2% | 1-2% |
Payment | Monthly, Interest Only | Monthly, Interest Only |
The terms for our “Fix and Hold” program are similar to those outlined above for “Fix and Flip,” with the following additional features:
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Longer Term Options: 10 years
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Amortization Period: Up to 30 years
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LTV: Typically capped at 75% of ARV.
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Flexible Payment Plans: Options for monthly interest payments or deferred payments until sale.
FIX-AND-HOLD
VIDEO REVIEWS
Video reviews from satisfied borrowers which highlight our commitment to transparency and customer satisfaction.
APPLICATION
Submit your fix-and-flip or Fix-and-Hold Loan Application here.
Borrowers may be required to engage professional property management services during the hold period.