Purchase Real Estate – Funding Path Overview

When a client is looking to purchase real estate, we evaluate the opportunity based on the type of purchase, available capital, and overall financial profile. This allows us to match the borrower with the most appropriate funding solution.

Step 1: Purpose of the Purchase

We begin by identifying how the property will be used:

  • Primary residence
  • Investment property
  • Fix-and-flip project
  • Rental or income-producing property

This helps determine the correct lending structure and eligibility path.

Step 2: Determine the Purchase Amount

We evaluate the total purchase price of the property.

Less than $65,000

  • May qualify for alternative or short-term funding options.
  • Often requires additional review or structured financing.

$65,000 or more

  • Eligible for standard real estate lending pathways.

Step 3: Evaluate Equity & Financial Strength

We assess:

  • Available down payment or equity
  • Credit profile and repayment capacity
  • Income stability and documentation

If sufficient equity or financial strength exists, the applicant may proceed directly to real estate funding options.

Step 4: Real Estate Funding Path

Based on the evaluation, applicants may be directed to:

  • Real Estate Purchase Financing
  • Fix & Flip or Rehab Loans
  • Investment Property Loans
  • Bridge or Short-Term Capital Solutions

If the criteria for real estate funding are not met, applicants may be redirected to alternative funding paths, such as:

  • Business financing
  • Credit improvement solutions
  • Future requalification planning

Outcome

Once reviewed, applicants are matched with the most appropriate lending option to support their real estate goals while maintaining financial stability.