Loan Program Guidelines
Residential
Loans
Fast, Flexible Private Lending for Real Estate Investors
Loan Programs Available
Prime Pinnacle offers a full range of residential lending solutions — from ground-up construction to long-term rental portfolios.
New Construction
- Ground-up financing for new residential builds
- Designed for experienced builders and developers
- Brings new inventory to market
Early to Late Construction
- Financing for projects at any stage of the construction timeline
- Covers land preparation and permitting through final completion
- Available through certificate of occupancy
Fix & Flip
- Short-term acquisition and renovation financing
- For investors buying distressed properties and selling for profit
- Fast approvals for time-sensitive acquisitions
Rehab
- Renovation financing for properties requiring significant repair
- Covers acquisition and renovation costs in a single loan
- Ideal for value-add investment strategies
Cash-Out Refinance
- Access equity built in an existing investment property
- Fund new acquisitions, improvements, or other business needs
- Without selling the asset
Rate / Term Refinance
- Replace an existing loan with improved terms or a better rate
- No additional cash taken out
- Ideal for lowering payments or extending a maturity date
DSCR
- Qualifies based on property cash flow rather than personal income
- Ideal for investors with large portfolios or non-traditional income
- Long-term options typically up to 30 years
Bridge
- Short-term financing bridging acquisition and long-term financing or sale
- Useful for time-sensitive opportunities where speed matters
- Flexible structuring for transitional assets
SFR Portfolio
- Single-loan financing for investors holding multiple single-family rentals
- Consolidate and scale your portfolio under one simplified structure
- Streamlined underwriting across multiple properties
Rental
- Long-term financing for stabilized single-family and small multifamily rentals
- Structured around property income rather than borrower employment
- DSCR-based qualification available
Multifamily Term
- Permanent or longer-term financing for stabilized multifamily assets
- Ideal for apartment buildings and small communities
- Reliable hold financing with consistent terms
Multifamily Bridge / New Construction
- Transitional or ground-up financing for multifamily projects
- Covers value-add acquisitions or new apartment unit construction
- Flexible structures for complex multifamily scenarios
Foreign Nationals
- Foreign nationals accepted
- U.S.-based corporation and asset required
- Eligible up to 65% LTC
- All members and owners of the borrowing entity must personally guarantee the loan
International Properties
- International properties accepted
- Subject to program underwriting guidelines
- Contact our team for eligibility on specific markets and asset types
Manufactured Home Construction
- New manufactured home construction financing available
- Loan terms up to 12 months
- Subject to standard residential program underwriting guidelines
Program Parameters
Loan Sizes
$50,000 – $4,000,000+
Loan Term
Up to 12–36 Months
DSCR Loans: Typically 30 Years
DSCR Loans: Typically 30 Years
Max Loan-to-Value (LTV)
Up to 80%+ of Improved Value
Max Loan-to-Cost (LTC)
Up to 90% of Purchase Price
Interest Rate
Starting at 8% — Interest Only
DSCR Loans: Starting at 5.75%+
DSCR Loans: Starting at 5.75%+
Origination Fee
Starting at 1.5% of Loan Amount
Lender Fees
Starting at $1,595+ (Doc Prep, Processing, BPO, etc.)
Turnaround
Typically Less Than 14 Days
Lien Position
1st Position (2nd Position — Limited Special Cases)
Pre-Payment Penalty
Varies
Occupancy
Non-Owner Occupied Only
Foreign Nationals
Yes — See Program Details
Program Details
Eligible Property Types
- Single Family Residences (SFR)
- Townhomes
- Multifamily properties
- Infill lots
Ineligible Properties & Loan Types
- Raw land
- Owner-occupied properties
Required Documentation
- Purchase agreement
- 3 years tax returns
- 6 months bank statements
- Driver's license
- Scope of work (renovation projects)
- Articles of incorporation & bylaws
- LLC operating agreement
- As-is photos / video of property
Additional Program Terms
- Application fee: $150 (background check & soft credit pull)
- Hazard insurance required — lender must be listed as additional insured
- Appraisal may be required
- Other closing costs: customary title, recording, and transfer taxes
- Joint ventures with borrowers & investors available
- No minimum credit score — underwriting based on comprehensive background check
At a Glance
Loan Sizes
$50K – $4M+
Maximum LTV
Up to 80%
Loan Term
Up to 36 Mo.
Closing Time
14 Days or Less
Lender Fees
From $1,595+
Why Prime Pinnacle
Nationwide Lending
Fast Closings
Flexible Structuring
Experienced Team
Ready to Fund Your Next Deal?
Speak with a Residential Lending Specialist Today.