Hard Money | Empire Real Estate Investments, LLC

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1. What Loan-To-Value or LTV of the After Repair Value (ARV) do I need to be at with total costs to get 100% financing?

2. What are you loan terms? 4 months, 6 months, 9 months?

3. If I go over the maturity date, do you give loan extensions? (What are those terms?)

4. Do you lend on just the property or do you need to see my credit scores?

5. How many points do you charge & can those points be rolled into the loan amount?

6. If I bring a really low LTV deal will you roll the points into the loan as well as the interest only payments?

7. How do you want the rehab costs to be broken down when submitting for approval? Dollar amount only? Dollar amount + List or repairs?

8. Do I need to provide you anything special from the contractor for final approval?

9. Do you lend the purchase money + the fix up money?

10. Do you require a minimum amount of reserves in the bank for approval?

11. What is your "Loss Payee Clause" that needs to be added to my insurance policy when going to closing?

12. Do you require an appraisal confirming the After Repair Value or no?

13. Are there any other fees that I need to be aware of before deciding to submit to your for financing? Ex: Application Fee? Construction Disbursing Fee and so on.

14. If I provide you with everything, how quickly can I get a pre-approval (if needed)?

15. If approved, then how quickly can you close on average?

16. Once I’ve done a deal start to finish with you, will you allow me to do more than one at a time?

17. When I do have a deal to submit, to whom and where do I submit it?

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Hard Money Lender