Private Lending & Investment

Our Core Loan Programs

Oasis Private Funder offers tailored private lending programs for homeowners, investors, and developers who need fast, flexible financing. Our asset-based loan programs help borrowers overcome delays, red tape, and credit restrictions found in traditional lending. Whether you’re buying before you sell, navigating a 1031 exchange, or financing an investment, we provide the capital to help you succeed.

With over $2 billion in funded loans since 2008, our experienced team delivers fast closings, minimal documentation, and trusted execution in select states.

What can you expect to fill out for a private money loan?
When looking to get a loan, you can be expected to fill out a Uniform Residential Loan Application (form 1003). This is typically followed by a written loan scenario or “executive summary” detailing the borrower, collateral & exit strategy. Commercial loan applications will almost always start with the Executive Summary, which should include a brief introduction of the subject property, bios on the borrowing team, the purpose of the loan, and the amount being requested with specific detail on the Use of Funds. There should be a few photos of the subject property with some detail from the tax record, inclusive of map locations and designations. Also, the length of time or the term period for the loan should be identified. Most important is the Exit Strategy. This is a detailed plan on how the lender will be repaid.

 

Will the loan decision depend on my credit score?
We do not base our lending decisions on credit scores. We still pull your credit, but that is usually to confirm the nature of your credit profile, not your score.

 

How can private money change my offer making abilities?
With private money you can make aggressive offers on the investment properties you want to close. You will be able to make offers with no or low contingencies, and to structure the acquisition in any number of ways when you use private money. This gives you more control than typical investment property loans. In a competitive market, a private bridge loan will give you cash-like offer making abilities that allow your offer to stand out to the seller.

 

How do bridge loans work?
Bridge loans allow you to borrow money utilizing the equity you have in your current home to purchase a new home before you sell! Gone are the days of showing your home while you are living in it. Instead, find your next home, make a cash-like offer, and move into your new home right away. Once you are moved out, your agent will have time to ready your house for sale, and to work with a stager to target a larger purchase price.

 

Who qualifies for a bridge loan?
Our bridge loan will require a borrower to have a maximum LTV of 75%. This means you need a minimum of 25% equity in your home. The amount you can borrow when financing with a bridge loan is typically up to 75% of the combined equity value of your current home and the property value of the home that you intend to buy. For example, if your current home has equity of $500,000 (example – $1,000,000 market value less $500,000 in loans), and the home you want to purchase has a price of $1,500,000, then the maximum bridge loan amount would be equal to the purchase price of $1,500,000. In other words, there’s $2,000,000 in equity ($500,000 in your existing home plus $1,500,000 in the target home); therefore, 75% of that equals $1,500,000. That is how you can obtain a loan that’s essentially equal to 100% of the target property purchase price! Bridge loans are great tools to take advantage of.

 

Business Purpose Bridge Loans

 

Reverse 1031 Exchange Loans

 

Consumer Bridge Loans (Owner-Occupied)

 

Investment Property Loans