Residential Investment Loans

Whether you’re renovating a single‑family home, building new construction, or expanding into small multifamily properties, Alliance Business Capital provides flexible financing designed for residential investors.

Our programs support Fix & Flip, Ground‑Up Construction, Rental (1–4 units), and Small Multifamily (up to 5 units) projects — helping investors maximize returns while maintaining liquidity and control. Each loan is structured with clear terms, fast approvals, and personalized guidance from our experienced team.

Residential Investor Financing from Alliance Business Capital

Fix N Flip Loans General Criteria

  • Minimum Loan Amount: $50,000

  • Maximum Loan Amount: $1,000,000 (higher loan amounts up to $3 Million with underwriter pre-screening)

  • Term: 12 Months Standard, 18 Month Option on a case-by-case basis

  • Maximum LTC: Up to 90% of Purchase Price, Up to 100% of Rehab Costs

  • Maximum Loan to ARV: Up to 70%

  • FICO:  Minimum IR = 1 Month, if past Bankruptcy, Foreclosure or FICO < 620 a 12 Month IR is required

  • Recourse: Full Recourse, Pledge of Shares

  • Profit Test: Minimum of 30% ROI, if fail, must pass 1.20 DSCR test on a Market 30-year FRM

  • Borrower Type: Must be an Entity

  • Loan Purpose: Rehab Loan for Non-Owner-Occupied Residential Investment Property

  • Minimum Experience: No Prior Experience Required

  • Foreign National: Must be from an Eligible Country

  • Property Types: Non-Owner-Occupied Attached or Detached SFR, 2-4 Units, Townhomes, Warrantable Condos

Fix N Flip

  • Minimum Loan Amount: $50,000

  • Maximum Loan Amount: $1,000,000 (higher loan amounts up to $3 Million with underwriter pre-screening)

  • Term: 12 Months Standard, 18 Month Option on a case-by-case basis

  • Maximum LTC: Up to 90% of Purchase Price, up to 100% of rehab Costs

  • Maximum Loan to ARV: Up to 70%

  • FICO: Minimum IR=1Month, if past Bankruptcy, Foreclosure or FICO < 620 12 Month IR is required

  • Recourse: Full Recourse, Pledge of Shares

  • Profit Test: Minimum of 30% ROI, if fails must pass 1.20 DSCR test on a Market 30 Year FRM

  • Loan Purpose: rehab Loan for Non-Owner Occupied-Residential Investment Property

Eligible Property Types

  • Attached or Detached: SFR

  • 2-4 Units

  • Townhomes

  • Warrantable Condos

Required Loan Forms & Initial Documentation

Alliance Business Capital has developed a standardized loan package that aligns with the documentation and underwriting requirements of our lending partners. Proper packaging is essential to the loan approval process, and our role — whether acting as a commercial loan intermediary, advisor, or correspondent lender — is to ensure your client’s submission is complete, compliant, and positioned for efficient lender review.

Loan Forms

Please use Alliance Business Capital forms exclusively when submitting a Loan Application. All forms should be completed in as much detail as possible to avoid delays in processing. Our team will assist in fine‑tuning all forms prior to lender submission.

Initial Documents Needed

  • 2 Forms of ID – (Driver’s License and Passport)

  • Borrowing Entity Formation Documents

  • On Refinances – a copy of the existing note(s) and settlement statement from original purchase if < 4 years

  • Property Financials – most recent 3-year end PL’s and a current YTD profit and loss with balance sheet

  • Property Rent Roll – if applicable

  • Construction Loans – need a copy of approved plans, permits and contractor detailed construction budget along with a proforma

Upon receipt and review of the above documents, additional information or documentation may be required.

Disclosure

Alliance Business Capital is a commercial loan intermediary and advisory firm and may act as a correspondent lender for certain programs. We are not a direct lender. All financing is arranged through third‑party lenders and is subject to lender approval, underwriting requirements, and market conditions. Terms, rates, and eligibility criteria may vary by lender, property type, and borrower qualifications. Nothing on this page constitutes a commitment to lend or an offer of credit.

It All Starts With a Conversation!

Have a deal you’d like to discuss? Partner with Alliance – we’re results-oriented and focused on helping you close transactions efficiently.

For Commercial Real Estate Financing, Please call

(866) 712 4175

info@alliancebcpartners.com