Black Umbrella

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Black Umbrella

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Black Umbrella Lending is a trusted hard money lender serving real estate investors across the nation.

Fix and Flip

RESIDENTIAL (1-4 UNITS)

$50,000 - $5,000,000

Details

  • 90% of Purchase, 100% Rehab
  • Maximum Loan to ARV: 70%
  • 12 months, up to 18 at lenders discretion
  • Resource: Full Recourse
Apply Now
Learn More

Ground Up

RESIDENTIAL (1-4 UNITS)

$50,000 - $5,000,000

Details

  • 80% of total Project cost Up To 75% of the Lower Of land value
  • Maximum Loan to ARV: 70%
  • 12 months, up to 18 at lenders discretion
  • Resource: Full Recourse
Apply Now

Rentals

RESIDENTIAL (1-4 UNITS)/TOWNHOMES/FUD WARRANTABLE CONDOS

$75,000-$2,000,000

Details

  • If owned less than 3 Months, 80% of Total cost basis
  • 30 Years
  • 12 months, up to 18 at lenders discretion
  • Unleased Units: 90% of Market Rent (Purchase Loans Only)
Apply Now
Learn More

Rental Portfolios

SF/2-4 UNIT/TOWNHOMES/PUD/CONDOS

$150,000-$50,000,000

Details

  • 30-year Fixed Rate (Fully Amortizing)
  • If owned less than 3 Months, 80% of total cost basis
  • Purchase/Rate-Term Refi: 80% Cash Out Refi: 75%
  • 5,10 & 30 Years
  • Minimum Occupancy Rate of 90%
Apply Now

MultiFamily Term

5-8 UNIT RESIDENTIAL PROPERTIES

$250,000-$3,000,000

Details

  • 30 Year Fixed Mortgage OR 5/6, 7,6, 10/6 Hybrid ARMS (Partial 10 or Fully Amortizing)
  • If owned less than 3 Months, 70% of total cost basis
  • 30 Years
  • 30 Years Minimum Occupancy Rate of 90% by Unit Count
Apply Now

Small Balance MultiFamily Bridge

$500,000-$5,000,000

$250,000-$3,000,000

Details

  • Purchase Loans: 75% Purchase + 100% Reno
  • Purchase/Rate-Term Refi: 70% Cash Out Refi: 65%
  • Up to 24 months + 2, 6 month Extensions
  • Unleased Units: 90% of Market Rent (Purchase Loans Only)
Apply Now

Stabilized Bridge

SF/2-4 UNIT/TOWNHOMES/PUD/CONDO

$75,000-$2,000,000

Details

  • 85% Purchase 100% of Completed Rehab Costs
  • Max LTV: 70%
  • 12 months, up to 18 at lender discretion
  • Min. DSCR: 1.00x, Min. FICO 660
Apply Now

Experienced Builders

UP TO 90% LTC!

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Details

  • For experienced builders we now offer up to 90% LTC (Loan to Project Cost) financing on ground up construction.
  • up to 85% of (hard costs) (5%) in interest reserve escrow
Apply Now

Ground Up Construction Loans

UP TO 80% LOAN-TO-COST!

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Details

  • First time investors with a general contractor license with prior experience in building for other clients can receive up to 80% LTC.
Apply Now

Fix and Flip

RESIDENTIAL (1-4 UNITS)

$50,000 - $5,000,000

Fix and Flip

Details

RESIDENTIAL (1-4 UNITS)

$50,000 - $5,000,000

  • 90% of Purchase, 100% Rehab
  • Maximum Loan to ARV: 70%
  • 12 months, up to 18 at lenders discretion
  • Resource: Full Recourse
Apply Now
Learn More

Ground Up

RESIDENTIAL (1-4 UNITS)

$50,000 - $5,000,000

Details

  • 80% of total Project cost Up To 75% of the Lower Of land value
  • Maximum Loan to ARV: 70%
  • 12 months, up to 18 at lenders discretion
  • Resource: Full Recourse
Apply Now

Rentals

RESIDENTIAL (1-4 UNITS)/TOWNHOMES/FUD WARRANTABLE CONDOS

$75,000-$2,000,000

Details

  • If owned less than 3 Months, 80% of Total cost basis
  • 30 Years
  • 12 months, up to 18 at lenders discretion
  • Unleased Units: 90% of Market Rent (Purchase Loans Only)
Apply Now

Rental Portfolios

SF/2-4 UNIT/TOWNHOMES/PUD/CONDOS

$150,000-$50,000,000

Details

  • 30-year Fixed Rate (Fully Amortizing)
  • If owned less than 3 Months, 80% of total cost basis
  • Purchase/Rate-Term Refi: 80% Cash Out Refi: 75%
  • 5,10 & 30 Years
  • Minimum Occupancy Rate of 90%
Apply Now

MultiFamily Term

5-8 UNIT RESIDENTIAL PROPERTIES

$250,000-$3,000,000

Details

  • 30 Year Fixed Mortgage OR 5/6, 7,6, 10/6 Hybrid ARMS (Partial 10 or Fully Amortizing)
  • If owned less than 3 Months, 70% of total cost basis
  • 30 Years
  • 30 Years Minimum Occupancy Rate of 90% by Unit Count
Apply Now

Small Balance MultiFamily Bridge

$500,000-5,000,000

$250,000-$3,000,000

Details

  • Purchase Loans: 75% Purchase + 100% Reno
  • Purchase/Rate-Term Refi: 70% Cash Out Refi: 65%
  • Up to 24 months + 2, 6 month Extensions
  • Unleased Units: 90% of Market Rent (Purchase Loans Only)
Apply Now

Stabilized Bridge

SF/2-4 UNIT/TOWNHOMES/PUD/CONDO

$75,000-$2,000,000

Details

  • 85% Purchase 100% of Completed Rehab Costs
  • Max LTV: 70%
  • 12 months, up to 18 at lender discretion
  • Min. DSCR: 1.00x, Min. FICO 660
Apply Now

Experienced Builders

UP TO 90% LTC!

----

Details

  • For experienced builders we now offer up to 90% LTC (Loan to Project Cost) financing on ground up construction.
  • up to 85% of (hard costs) (5%) in interest reserve escrow
Apply Now

Ground Up Construction Loans

UP TO 80% LOAN-TO-COST!

----

Details

  • First time investors with a general contractor license with prior experience in building for other clients can receive up to 80% LTC.
Apply Now

WHY Black Umbrella?

Black Umbrella Lending offers tailored fix-and-flip loans and commercial bridge financing to help investors acquire and redevelop residential and commercial properties. Our underwriters move deals swiftly from pre-approval to closing, ensuring a seamless funding process.

  • We have a profound understanding of the market and know the industry well.
  • Efficient execution, backed by trusted underwriting.
  • We have the capital to fund your next deal in as little as 72 hours.

RECENTLY FUNDED TRANSACTIONS

4 KETCHAM AVENUE, EASTPORT, NY 11941 – $750,000

Refinance of a newly renovated home in Easport NY.
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1415 S ADAMS ST, MARION, IN 46953 – $545,000

Refinance of a 10-unit apartment Complex in Marion IN.
View More

67 SQUIRETOWN RD HAMPTON BAYS, NY 11946 – $1,155,000

Completely synergize resource taxing relationships via premier niche markets.
View More

THE POWER OF PRIVATE MONEY

Black Umbrella Lending offers tailored fix-and-flip loans and commercial bridge financing to help investors acquire and redevelop residential and commercial properties. Our underwriters move deals swiftly from pre-approval to closing, ensuring a seamless funding process.
We are committed to helping real estate investors, business owners, and contractors access the capital they need to purchase and revitalize properties, turning opportunities into profitable investments.
Finding a lender like us isn’t easy. We offer flexible and competitive financing solutions for real estate investors nationwide (excluding AZ, NV, SD, ND, HI, VT, and MN).

Loan Highlights:

  • Loan Amounts: $100K – $20M
  • Rates: Starting at 6.49%
  • Payment Options: Interest-Only, 30-Year Fixed, ARM
  • Points: 0% – 3%
  • Doc Fee: $1,495
  • Leverage: Up to 100% LTC | Up to 85% LTV
  • Terms: 12 – 36 months
  • Eligible Properties: 1-4 Unit Residential, Multifamily, Mixed-Use, Retail, Office, Warehouse
  • Use of Funds: Purchase, Construction, Investment Properties
  • No Appraisal Required for Active Investors
  • No Junk Fees – What you see is what you get
  • Minimum Credit Score: 620
  • No Prepayment Penalty – Pay off anytime without extra costs

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Black Umbrella

Black Umbrella Lending offers tailored fix-and-flip loans and commercial bridge financing to help investors acquire and redevelop residential and commercial properties.

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