Real Estate Lending
Bridge Loan
Bridge loan are short-term loans, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing.
Apply NowStandard Loan Terms
- • Max Loan Amount: $10,000,000
- • Max LTV (Loan to Value): 70%
- • Rate: Starting at 9.99%
- • Term of loan: 12-24 months
- • Payments: Monthly Interest Payments with Balloon at Maturity
- • Prepayment penalty: None
Standard Closing Costs
- • Origination Fee: 1-2%
- • Underwriting Fee: $1,500
- • Legal: $750 – $1,500
- • Appraisal Fee: $500-$950
- • Title Insurance and recording fees: 1% (Approximate)
Property Types
- • Condominiums.
- • Single-family residences.
- • Two to four units.
- • Multifamily homes.
- • Townhouses.
- • Condo-Hotels.
- • Other property types case by case
Standard Requirements:
- • Credit Application
- • Last 2 bank statements (US bank account)
- • Copy of ID and Borrowing Entity docs
- • Purchase Contract (If Purchase)
- • Property Insurance
Standard Closing Time
- • The Usual Time to Close is 5-10 days.
FFP Private Lending is a direct lender and does not rely on other institutions to
close the loans. Once the title work and appraisal are ready, We will be too!
Brokers and Realtors
Standard Loan Terms
Mortgage Brokers and Real estate agents, get ready to increase your earnings to a new level. Gain access to our loan programs and multiply your closings becoming part of the FFP family.
Brokers Benefits:
Competitive loan programs. Super-Fast closings. Reliable Direct Lender. Direct contact with our closing team via WhatsApp and direct phone lines Gain direct access to your deals through our advanced origination platform. Choose your prices. This are your closings.
Realtors and Other Referring Parties
Increase your revenue stream by partnering with FFP Private Lending.
Our Attributes
- • We offer the best pricing in the market
- • We have incredibly quick closings
- • Our commissions are VERY competitive (try us!)
- • Reliable Direct Lender
- • Gain direct access to your deals through our advanced origination platform
- • No caps on your income potential, you choose your pricing
- • Get an extra bonus of $500 on your first deal
- • Loyalty brokers will have access to our preferred pricing
The Brokering Process
An easy way to make money.
YOU APPLY ONLINE
The 1-min application online allows you to save time. Simply fill it out on behalf of your client for each deal and put yourself as the broker! We then provide you terms.
WE SEND YOU AN AGREEMENT
Once your client accepts the terms, we collect due diligence documents. We can also send you a broker agreement so that you feel protected.
WE FUND YOUR DEAL
Once we draft the documents and coordinate with all third parties, we close the loan and pay your broker commission. It's that simple.
We're Ready To Partner With You
Commercial Loan
Commercial Bridge loan are short-term loans, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing.
Apply NowStandard Loan Terms
- • Max Loan Amount: $10,000,000
- • Max LTV: 65% of Appraised Value or Purchase Price (The lowest)
- • Rate: Starting at 10.99%
- • Term of loan: 12-24 months
- • Payments: Monthly Interest Payments with Balloon at Maturity
- • Prepayment penalty: None
Standard Closing Costs
- • Origination Fee: 1-2%
- • Underwriting Fee: $1,500
- • Legal: $750 – $1,500
- • Appraisal Fee: $1000-$5000 (Depend on Property Type)
- • Title Insurance and recording fees: 1%
Property Types
- • Multifamily Apartment
- • Buildings.
- • Hotels.
- • Offices.
- • Restaurants.
- • Warehouses.
- • Other property types of case by case.
Standard Requirements:
- • Credit Application
- • Last 2 bank statements (US bank account)
- • Copy of ID and Borrowing Entity docs
- • Purchase Contract (If Purchase)
- • Property Insurance
- • Lease Agreement (If Applicable)
Standard Closing Time
- • The Usual Time to Close is 10-20 days.
FFP Private Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work and appraisal are ready, We will be too!
Apply Now
Frequently Asked Questions
We do not offer personal loans. Our loan programs are for real estate investors.
FFP finances real estate investments. Both the purchase of properties for rent or a second residence, as well as renovations for subsequent resale. We also finance real estate development.
Fill out the one-minute application and get a term sheet in 24 to 48 hrs. After that, a loan processor will guide you through the process and requirements to close.
Usually, our rates are 9.99%. The loan terms are 12 to 36 months. There are some closing costs such as a 1.75% origination fee.
Most of our loans are interest only, which means a fixed interest is paid throughout the term and the full balance at maturity. For example, a $100,000 with 12 monthly terms and 9% rate will yield 12 monthly payments of $750 and a final payment of $100,000.
The loan types are Bridge, New Construction, Fix & Flips, and Rental.
In most of our loans, there is no prepayment penalty, so you can pay the same amount of the loan before the term ends.
Yes, we can lend to individuals. However, most of our deals are closed under an entity (Corp, LLC, INC, etc.). These are investment loans, intended for business purposes.
No. Our loans are only for second homes, investments, or commercial properties.
Typically FFP charges 1.75% origination plus $1,500 for administrative fees. Other costs to consider are outside attorneys, title, and appraisal which vary depending on the type of property.
On residential properties, we typically take 24 to 48 hours to issue a term sheet. After approval, the average time to close is 5 to 10 days on bridge loans, 10 to 15 days on Fix and Flips/ Rent, and time can vary on commercial properties depending on appraisal, title, and environmental conditions.
Yes, we are direct lenders.
In most cases yes. However, depending on the area and LTV, it can be evaluated.
No, all loans are in the first position.
RBI Lending Fund
FFP Lending Fund is an open-ended fund that invests in a diversified pool of first lien, short term loans collateralized by U.S. Real Estate.
The fund invests in loans that meet the investment committee’s disciplined allocation strategy focused on diversification, yield and liquidity.
- • Fund is open to both U.S. and International investors
- • Quarterly distributions of income
- • Serviced by leading third-party administrators and auditors.
For more information, please contact us
Fix and Flip Loan
Fix-and-flip loans are short-term loans used by real estate investors to purchase and improve a property to then sell for a profit or refinance. These improvements range from minor renovations to a complete reconstruction of an existing home. The initial draw will be calculated based on the As-is Value of the Property and the renovation budget will be advanced in construction draws.
Standard Loan Terms
- • Max Loan Amount: $5,000,000
- • Max LTC/ARV (Loan to Cost / After Repaired Value):
- – Experienced Investors: The Lesser of 85% LTC or 70% ARV.
- – Inexperienced Investors: The Lesser of 80% LTC or 65% ARV.
- • Rates: Starting at 9.99%
- • Term of loan: 12-18 months
- • Payments: Monthly Interest Payments with Balloon at Maturity
- • Prepayment penalty: None
Standard Closing Costs
- • Origination Fee: 1-2%
- • Underwriting Fee: $1,500
- • Feasibility and Contractors Report: $1,200
- • Draw Fee (for future draws on the loan): $400
- • Legal: $750 – $1,500
- • Appraisal Fee: $500-$950
- • Title Insurance and recording fees: 1%(Approximate)
Property Types
- • Condominiums.
- • Single-family residences.
- • Two to four units.
- • Multifamily homes.
- • Townhouses.
- • Other property types case by case
Standard Requirements:
- • Credit Application
- • Last 2 bank statements (US bank account)
- • Copy of ID and Borrowing Entity docs
- • Purchase Contract (If Purchase)
- • Project budget/ Scope of work
- • Approved plans (If applicable)
- • Track Record Sheet
- • Contractors’ information
- • Property Insurance
Standard Closing Time
- • The Usual Time to Close is 10-15 days.
FFP Private Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work, appraisal and feasibility report are ready, We will be too!
Apply Now
Land Loan
Land Loan are short-term loans collateralized by land. Investors looking for construction loans who do not have plans and permits approved will find attractive a loan based on the As-is Value of the land.
Apply NowStandard Loan Terms
- • Max Loan Amount: $5,000,000
- • Max LTV (Loan to Value): 50%
- • Rate: Starting at 11.5%
- • Term of loan: 12-24 months
- • Payments: Monthly Interest Payments with Balloon at Maturity
- • Prepayment penalty: None
Standard Closing Costs
- • Origination Fee: 1-2%
- • Underwriting Fee: $1,500
- • Legal: $750 – $1,500
- • Appraisal Fee: $500-$4500
- • Title Insurance and recording fees: 1% (Approximate)
Property Types
- • Land Parcels
Standard Requirements:
- • Credit Application
- • Last 2 bank statements (US bank account)
- • Copy of ID and Borrowing Entity docs
- • Purchase Contract (If Purchase)
- • Property Insurance
- • Lease Agreement (If Applicable)
Standard Closing Time
- • The Usual Time to Close is 5-10 days.
FFP Private Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work and appraisal are ready, We will be too!
Apply Now
New Construction Loan
New construction loans are short-term loans used to finance the building or renovation of a home or real estate project. The initial draw will be calculated based on the As-is Value of the Property and the renovation budget will be advanced in construction draws.
Apply NowStandard Loan Terms
- • Max Loan Amount: $10,000,000
- • Max LTC/ARV (Loan to Cost / Loan to After Completed Value):
- – Experienced Investors: The Lesser of 80% LTC or 70% ARV.
- – Inexperienced Investors: The Lesser of 65% LTC or 55% ARV.
- • Rate: Starting at 10.5%
- • Term: 12-24 months
- • Payments: Monthly Interest Payments with Balloon at Maturity
- • Prepayment penalty: None
Standard Closing Costs
- • Origination Fee: 1-2%
- • Underwriting Fee: $1,500
- • Feasibility and Contractors Report: $1,200
- • Draw Fee (for future draws on the loan): $400
- • Legal: $750 – $1,500
- • Appraisal Fee: $500-$950
- • Title Insurance and recording fees: 1%(Approximate)
Property Types
- • Condominiums.
- • Single-family residences.
- • Two to four units.
- • Multifamily homes.
- • Townhouses.
- • Other property types case by case
Standard Requirements:
- • Credit Application
- • Last 2 bank statements (US bank account)
- • Copy of ID and Borrowing Entity docs
- • Purchase Contract (If Purchase)
- • Project budget/ Scope of work
- • Approved plans (If applicable)
- • Track Record Sheet
- • Contractors’ information
- • Property Insurance
Standard Closing Time
- • The Usual Time to Close is 20-30 days.
FFP Private Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work, appraisal, and feasibility report are ready, We will be too!
Rental Loan
Rental Loan are a financing option for investors looking for a long-term solution, at an attractive rate. Underwriting is heavily weighted on the DSCR (Debt-Service Coverage Ratio) and not the individuals DTI (Debt to Income).
Apply NowStandard Loan Terms
- • Max Loan Amount: $2,000,000
- • Max LTV (Loan to Value): 75%
- • Rate: Starting at 7.5%
- • Payments: Monthly Principal and Interest payments.
- • Term of loan: 30 Year and ARM (5/1 and 7/1)
Standard Closing Costs
- • Origination Fee: 2%
- • Underwriting Fee: $1,500
- • Legal: $750 – $1,500
- • Appraisal Fee: $500-$950
- • Title Insurance and recording fees: 1%(Approximate)
Property Types
- • Condominiums.
- • Single-family residences.
- • Townhouses.
- • Two to four units. From 5 to 8 units case by case, only with board approval.
Standard Requirements:
- • Credit Application
- • Last 2 bank statements (US bank account)
- • Copy of ID and Borrowing Entity docs (Can close under personal name or company)
- • Purchase Contract (If Purchase)
- • Property Insurance
- • Lease Agreement (if applicable)
- • Short term rentals allowed
Standard Closing Time
- • The Usual Time to Close is 20-30 days.
FFP Private Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work, appraisal, and feasibility report are ready, We will be too!
Apply Now
Qualifications
- • Minimum DSCR (Rental Income / Debt Service): 0.80
- • Minimum Credit Score: 660
- • Rental in place: Not Required
- • Foreign Nationals Qualified with reduced LTV (65%)