Loan Application Step one - Pacific Capital Funding Corp

30 YR RENTAL PROPERTY LOAN

Rental SFR, Condos, 2 to 4 Units or Multi Family 5 to 29 Units

LTV: Purchase and R/T Refinance up to 85% / 80% for 5+ units

LTV Cash Out Refinance: up to 80% LTV / 75% for 5+ units. Unlimited cash-out

Minimum FICO: 620 for 1 to 4 units / 625+ for 5+ units

Term: 30 Year Fixed or ARM options

Payments: Fully Amortized or Interest Only options

DSCR: No Ratio option for 1 to 4 units / 1.0 for 5+ units

No 4506T, Tax Returns or any personal income verification

First Time Investors are allowed

Multipurpose LLC are allowed

As little as 3 months reserves

Vacant – OK, able to use market rents

Loan Amount Limits: $200,000 to $3,000,000 for 1-4 Units / $250,000 to $7,500,000 for 5+ Units

Rates starting at 5.5%

GROUND UP CONSTRUCTION

– Investment SFRs, 2 to 4 Units, Multi Family 5+

– LTV: Purchase up to 80%, Refinance R/T or CO up to 75%.

– Loan To Cost: Purchase up to 85%, Refinance R/T or CO up to 80%

– Loan to ARV: Purchase up to 75%, Refinance R/T or CO up to 70%.

– Min FICO score: 650+

– Term: 12, 18 or 24 months Term options

– Payments: Interest Only

– No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: Residential: 15 to 25+ days.

– Loan Limits: $400,000 to $5,000,000

– Rates starting at 8.5%

Available in California and Florida, major MSA’s only (no rural properties)

FIX AND FLIP OR KEEP

– Investment SFRs, Condos, 2 to 4 Units, Multi Family 5+

– LTV: Purchase up to 90%, Refinance R/T or CO up to 80%.

– Loan To Cost: Purchase up to 90%, Refinance R/T or CO up to 80%

– Loan to ARV: Purchase up to 75%, Refinance R/T or CO up to 70%.

– Min FICO score: 650+

– Term: 12, 18 or 24 months Term options

– Payments: Interest Only

– No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: Residential: 15 to 25+ days.

– Loan Limits: $150,000 to $1,500,000

– Rates starting at 7.99%

Available in AL, AR, CA, CO, , FL, GA, HI, IL, IN, KS, KT, LA, MD, MS (1-4 only), MO, NE, NH, NC, OH, PA, TN, TX, VA, WA

QUICK N’ EASY HM

– Investment SFRs, Condos, 2 to 4 Units, Multi Family 5+

– LTV Residential: Purchase, Refinance R/T or CO up to 75%.

– Min FICO score: 500

– Term: 1 to 2 Year Term

– Payments: Interest Only

– No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: 5 to 10+ days. Some loan may take longer to close

– Loan Limits: $75,000 to $3,000,000

– Rates starting at 7.99%

Available in California and Florida, major MSA’s only (no rural properties)

INVESTMENT BRIDGE

– Investment SFRs, Condos, 2 to 4 Units, Multi Family 5+, Mixed Use, Commercial

– LTV Residential: Purchase up to 80%, Refinance R/T or CO up to 75%.

– LTV Commercial: Purchase or Refi: Multi Family and Mixed Use up to 70%, Other Commercial up to 65%

– Min FICO score: 350+

– Term: 1 to 5 Year Term

– Payments: Interest Only

– 1 year and No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: Residential: 14 to 21+ days. Commercial: 21 to 30+ days

– Loan Limits: $150,000 to $8,000,000

– Rates starting at 6.99%

Available in AL, AR, CA, CO, CI, SE, DC, FL, GA, HI, IL, IN, KS, KT, LA, MD, MS (1-4 only), MO, NE, NH, NC, OH, OK, PA, SC, TN, TX, VA, WA, WV, WI, WY.

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