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(800)865-9011

US Capital Advisors

Bridge Loan
Stabilized Bridge

Property Types 2-4 Units, Condo, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $75,000
Loan amount Maximum $2,000,000
Terms 1 year, 18 month
Typical Days Required to Fund 20-30 Business days
Credit Score Min 660
Interest Only or Amortized Amortized and Interest Only Options available
Fees Underwriting
Entities LLC - Limited Liability Corporation
Lien Position 1st
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Reserve Requirement 6 months

Rehab Loan
Purchase and Rehab (Fix and Flip)

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $200,000
Loan amount Maximum $2,000,000
Interest Rate Minimum 10.75%
Interest Rate Maximum 12.75%
Points Minimum 1st TD 1
Points Maximum 1st TD 2.5
Terms 1 year, 18 month
Typical Days Required to Fund 20-30 Business days
Credit Score Min 680
Fees Underwriting
Entities LLC - Limited Liability Corporation
Lien Position 1st
Max Points Charge by Broker 5
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Recourse Recourse
Reserve Requirement 6 months

Construction Loan
Ground Up Construction

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $100,000
Loan amount Maximum $3,000,000
Interest Rate Minimum 11.75%
Interest Rate Maximum 13%
Points Minimum 1st TD 1
Points Maximum 1st TD 2
Terms 1 year, 18 month
Typical Days Required to Fund 20-30 Business days
Credit Score Min 680
Interest Only or Amortized Interest Only
Fees Underwriting
Entities LLC - Limited Liability Corporation
Cross Collateralize Blanket No
Lien Position 1st
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Recourse Recourse
Reserve Requirement 6 months

Bridge Loan
Fix and Flip

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $50,000
Loan amount Maximum $5,000,000
Interest Rate Minimum 8%
Interest Rate Maximum 12.75%
Terms 1 year, 18 month
Interest Only or Amortized Amortized and Interest Only Options available
Fees Underwriting
Entities LLC - Limited Liability Corporation
Cross Collateralize Blanket No
Lien Position 1st
Prepayment Penalty No Prepayment Penalty
Recourse Recourse
Reserve Requirement 6 months
Updated as of 2024-05-25

Construction Loan
Ground-Up Construction Residential 1-4 (GUC)

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $100,000
Loan amount Maximum $3,000,000
Interest Rate Minimum 11.75%
Interest Rate Maximum 13%
Points Minimum 1st TD 2
Points Maximum 1st TD 2.5
Terms 1 year, 18 month
Typical Days Required to Fund 20-30 Business days
Credit Score Min 680
Interest Only or Amortized Interest Only
Fees Underwriting
Entities LLC - Limited Liability Corporation
Extensions Available Considered based on Performance
Cross Collateralize Blanket No
Lien Position 1st
Max Points Charge by Broker 5
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Fixed or Adjustable Fixed
Recourse Recourse
Reserve Requirement 6 months

Construction Loan
Multifamily

Property Types Multi Family
Lendding Area NATIONWIDE
Loan amount Minimum $500,000
Loan amount Maximum $10,000,000
Terms 2 year
Typical Days Required to Fund 20-30 Business days
Credit Score Min 680
Interest Only or Amortized Amortized and Interest Only Options available
Fees Application
Entities Corp - Corporation, Foreign National, LLC - Limited Liability Corporation, LP - Limited Partnership, Partnership, Individual
Extensions Available Considered based on Performance
Cross Collateralize Blanket Yes
Special Features Mid-construction, Foreign National
Recourse Recourse and Non Recourse available

Long Term Commercial Loan
Commercial Apartments 5-10 (30yr Fixed):

Property Types Multi Family
Lendding Area NATIONWIDE
Loan amount Minimum $250,000
Loan amount Maximum $5,000,000
Interest Rate Minimum 8%
Interest Rate Maximum 9.25%
Points Minimum 1st TD 1.5
Points Maximum 1st TD 2.5
Terms 1 year, 18 month
Typical Days Required to Fund 20-30 Business days
Credit Score Min 680
Fees Underwriting
Entities LLC - Limited Liability Corporation, LP - Limited Partnership, Corp - Corporation
Intended Occupancy Tenant
Fixed or Adjustable Fixed
Recourse Recourse and Non Recourse available
Reserve Requirement 6 months

Rehab Loan
Purchase and Rehab (12 Month) Fix and Flip Program

Property Types Multi Family
Lendding Area NATIONWIDE
Loan amount Minimum $200,000
Loan amount Maximum $5,000,000
Interest Rate Minimum 10.75%
Interest Rate Maximum 12.75%
Points Minimum 1st TD 1.5
Points Maximum 1st TD 2.5
Terms 1 year, 18 month
Credit Score Min 680
Interest Only or Amortized Interest Only
Fees Underwriting
Entities LLC - Limited Liability Corporation
Extensions Available Considered based on Performance
Cross Collateralize Blanket No
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Reserve Requirement 6 months

Summary of all Guidelines

Loan Types Bridge Loan, Commercial Loan, Construction Loan, DSCR Loan, Hard Money Loan, Rehab Loan
Property Types 2-4 Units, Hospitality, Medical Office, Mixed use, Multi Family, Office, Retail, Self-Storage, SFR
Lendding Area alabama, alaska, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, north-dakota, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, south-dakota, tennessee, texas, utah, vermont, virginia, washington, west-virginia, wisconsin, wyoming
Loan amount Minimum $500,000
Loan amount Maximum $20,000,000
Interest Rate Minimum 7%
Interest Rate Maximum 13%
Terms 30 years
Prepayment Penalty none
LTV Bridge 70
LTC Construction 90
Upfront Fees Underwriting
ARV Rehab & Construction 75
LTC Rehab 85
LTV Long Term Rental 70
Personal Guarantee /Recourse Required Personal Guarantee Required / Recourse
Intended Occupancy Tenant
Percentage of Budget Financed - Rehab 90
LTC Percentage of Budget Financed 90

US Capital Advisors is located in Brooklyn, New York. They offer financing for Bridge Loans, Construction Loans, Hard Money Loans, Commercial Loans, Rehab Loans and DSCR Loans. The property type they primarily lend against is 2-4 Units, Medical Office, Multi Family, Office, Retail, Self-Storage, SFR, Hospitality and Mixed use. Their minimum loan amount is $500,000. Their maximum loan amount is $20,000,000. They offer loans for a minimum Term of 1 year. Maximum duration of 30 years. Although rates can change they are typically lending at a minimum rate of 7%. Maximum interest rate of 13%.

These descriptions are limited information and meant for general reference purposes.
1144 Nostrand Avenue
Brooklyn, 
New York
 11225