HOME
Rentals
Long Term Rental financing for Residential and Commercial properties.
| PROPERTY TYPES | MINIMUM FICO SCORE | EXPERIENCE | LOAN TERM |
|---|---|---|---|
| 1-4 Unit Properties | 660 | No No Expereince Required for ( 1-4 Unit Properties) | 30 Year Fixed / ARM |
| Multi Family Apartment | 680 | Experience Required | 30 Year Fixed or 10 Year IO |
| Mixed Use | 680 | Experience Required | 30 Year Fixed or 10 Year IO |
| LOAN TO VALUE | LOAN AMOUNT | LOAN AMOUNT | DOWN PAYMENT REQUIRED | RATES STARTING | PREPAYMENT PENALTY |
|---|---|---|---|---|---|
| 80% for Residential | $100,000-$3,000,000 for residential | $100,000-$3,000,000 for residential | 15% Down Payment Residential | 7.49% for Residential | No Pre Pay Penalty available |
| 75% for Commercial | 80% for Commercial | $200,000-$25,000,000 for commercial | 20% Down Payment Commercial | 7.99% for Commercial | 0-5 Year Pre Pay for Commercial |
WHY Black Umbrella?
KNOWLEDGE
We have a profound understanding of the market and know the industry well.
EFFICIENCY
We offer the most efficient execution in the industry with in-house underwriting.
AVAILABILITY
We have the capital to fund your next deal in as little as 72 hours.
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