With the rise in construction costs and labor shortages, today’s investors rely on an efficient and experienced financing partner. Partnering with Archwest Capital means partnering with a finance lender who blends proven experience with competitive terms.
Archwest provides single-family residential bridge loans for fix-and-flip programs and ground-up construction projects. We deliver the market’s most powerful financing solutions yet, offering competitive terms, lower rates and higher LTVs for experienced investors to acquire, rehabilitate and develop single-family homes. The Archwest team were the founders behind some of the nation’s largest lending and asset management companies – providing billions in loans to industry-leading developers, both large and small.
We understand time is money and are here to help investors maximize their return with quick financing on their fix-and-flip programs or new home construction projects. Archwest ensures a swift process for borrowers, delivering quotes within 24 hours, fast approvals and fundings as early as 5 business days.
- The U.S. housing shortage has reached 4-5 million units.
- New construction for single-family homes is currently at the slowest pace in nearly 30 years.
- The median age of homes is roughly 40 years, with more than one-third of occupied housing units in the nation’s housing stock requiring repair.
Short-Term Financing Product Matrix
Loan Amount
$150,000 to $10,000,000
Loan Term
12 to 24 months with underwritten extension of up to 12 months subject to a fee
Lien Position
First Lien
Amortization
Interest Only
Rate Structure
Fixed
Holdbacks
Rehab Holdback up to 100% of the approved budget
Maximum Leverage Limits
90% LTV, 90% LTC, 75% ARV
Minimum Credit Score
680
Eligible Properties
Non-Owner Occupied Single Family (1-4 Units), Condos, PUDS, Multifamily up to 18 units
Long-Term Financing for Rental Properties Matrix
Loan Amount
$150,000 to $20,000,000
Loan Term
30 Years
Products
Fixed Rate, 5/1, 7/1, and 10/1 ARM
Lien Position
First Lien
Amortization
Amortized and Interest Only
Rate Structure
Fixed or Adjustable
Prepayment Penalty
Step Down or Yield Maintenance
Loan to Value
Up to 80%
Eligible Properties
Non-Owner Occupied SFR, 2-4 Unit, Condos and PUDs. Up to 9-unit multifamily on Pool loans
Minimum DSCR
1.1x
Eligible Borrowers
Entities
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