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PRODUCT AND PROGRAM

PRODUCT and PROGRAM

Learn about our programs below.

Ground up construction 

  •  $200k - 25mm 

  • 1-4 family , Mixed-use, Multi-family, Condo ,  Commercial real estate , Commercial , 

  • Up to 85 % LTV based on Fico & Experience 

  • Day 1 funding with Land Acquisition 

     

Bridge loan / Fix & Flip 

  •  $250k - $15 mm 

  • Up to 100% finance based on Fico & Experience 

  • Fast closing, No appraisal, Flexible Draw inspection 

  • 1-4 family , Mixed-use, Multi-family, Condo , Retail , Warehouse , CRE and Commercial 

  •  $250k - $15 mm 

  • Up to 100% finance based on Fico & Experience 

  • Fast closing, No appraisal, Flexible Draw inspection 

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DSCR Rental Loan 

  •  Fico 650 - 740 

  • 1-4 family, Mixed-use, Multi-family, office, retail , Shopping mall, Commercial mix use, Commercial 

  • up to 80% LTV  purchase, up to 75 % LTV cash out refinance 

  • Debt Service Coverage Ratio below 0.75% - 1.45% 

  • Primary DSCR rental investment up to 75% LTV 

  • Fast Closing, Fast Track approval, Fast Funding 

Small Business Lending 

  • Fico 660- 740 

  • Retail , Restaurant , Warehouse , Auto shop , Commercial  , Gas station , Equipment funding , Any type of Small business , LLC & Corporation 

  • Register U.S.A. business with 12 12-month bank statements & business returns 

  • Loan amount up to $250k - $5 mm 

  • Flexible program & product in Business loan & Business line of credit, No recourse available based on Credit Review 

Foreign Nation Lending 

  • No Credit , Foreign passport , Foreign employment & income , F1 CPT visa , B1& B2 visa 

  • Up to 70% LTV 

  • minimum 10% downpayment for initial  approval -

  • No season requirement on the asset 

Heloc & Home Equity Loan 

  • $100k- $1mm Cap 

  • line amount up to 85% base on Credit & background review 

  • Membership Fee only , NO Closing cost , No full appraisal ( AVM) 

  • Fico 680 - 780 

  • 2nd lien position subornation

30-10 41st Ave,

Long Island City, NY 1110

 O F F I C E   : 9 7 3 - 3 0 2 - 3 3 2 2 

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©2025 J Capital Funding

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