Financing
Opus Property Financing
Capital that closes on your timeline.
We place hard money, conventional, bridge, construction and SBA debt for owners, investors and developers — from a single rental to a $100 million portfolio. Minimum down payment, direct underwriting, and short sales as our specialty.
$100M
7 Days
Minimum
Asset classes financed
1–4 unit residential
Multifamily
Mixed-use
Retail & office
Industrial
Hospitality
WHAT WE OFFER
Five programs, one underwriting desk.
One submission is reviewed against every program we place. If your deal fits a cheaper structure, we will say so, even when it earns us less.
1
Hard Money Loans
Asset-based · 7–10 day close
Loan size
$100K-25M
Max LTV
Up to 90%
Term
6-24 Months
Docs
Light/no income
Short-term financing underwritten on the property rather than your tax returns. We fund purchases, auction takedowns and cash-out refinances in days instead of weeks, which is what lets our clients compete with cash buyers on distressed inventory. Credit and income matter far less here than the exit — if the numbers work on the asset, we can lend on it and then refinance you into permanent debt once the property stabilizes.
2
Conventional Loans
Long-term · Lowest cost of capital
Loan size
$150K-$100M
Max LTV
From 5%
Term
15-30 Years
Close
30-45 Days
Traditional bank and agency financing for stabilized property, at the lowest rates and longest amortizations available. This is where we place buy-and-hold rentals, small apartment buildings and owner-occupied commercial space when there is time to underwrite properly. We package the file, shop it across our lender network and hold the process together, so you are not chasing conditions for ninety days.
3
Bridge Loans
Interim · Buy before you sell
Loan size
$250K-$50M
Max LTV
Up to 80%
Term
12-36 Months
Payments
Interest Only
Interim capital that covers the gap between two events — buying the next property before the current one sells, or holding an asset while it leases up to permanent financing. Bridge debt prices between hard money and conventional, and it is the right tool when the deal is sound but the timing is not. We structure the exit at the same time we structure the loan, so there is always a defined path off the bridge.
4
Construction Loans
Ground-up & heavy rehab
Loan size
$500K-$75M
Sized to
Up to 85% LTC
Term
12-36 Months
Draws
On Inspection
Draw-based financing for ground-up development, additions and heavy value-add rehab, sized against the completed value rather than what the dirt is worth today. Funds release on inspection as each phase finishes, so you are not carrying interest on money you have not spent yet. We review the budget, administer the draws and set up the roll into permanent debt at certificate of occupancy.
5
SBA Loans
7(a) & 504 · Owner-occupied
Loan size
Up to $5M +
Down payment
From 10%
Term
Up to 25 Years
Use
51% Owner Occupied
Draw-based financing for ground-up development, additions and heavy value-add rehab, sized against the completed value rather than what the dirt is worth today. Funds release on inspection as each phase finishes, so you are not carrying interest on money you have not spent yet. We review the budget, administer the draws and set up the roll into permanent debt at certificate of occupancy.
Our specialty
Short sales are what we do best.
A short sale means the lender agrees to accept less than the mortgage balance so the property can sell instead of going to foreclosure. It is a negotiation, not a listing, and most of the work is invisible: assembling the hardship package, pushing the file through loss mitigation, ordering and arguing the valuation, and keeping every deadline from resetting the process. We have run these files for years and know how each servicer behaves.
For owners, that means an exit with far less credit damage than a foreclosure and, in many cases, no deficiency owed. For investors, it means access to inventory that never reaches the open market — and a lender on the other side of the table who already knows us.
COMMON QUESTIONS
Before you call
Do I need perfect credit?
Not for hard money, bridge or construction — those are underwritten on the asset and the exit. Conventional and SBA do look at credit and income, and we will tell you upfront which lane your file belongs in.
How fast can you actually close?
Seven to ten days on hard money when title is clean and access for valuation is available. Bridge runs two to three weeks, conventional and SBA thirty to sixty days.
What does a short sale cost me as the seller?
In most approved short sales the lender pays the commissions and standard closing costs out of the proceeds. We review your specific file before you commit to anything.
Will you look at a deal outside my state?
Usually yes — our lender network is national. Send the address and we will confirm coverage the same day.
Start the file
Send us the address. We will send back terms.
No credit pull to get a quote, and no cost to have us look at a short sale. If the deal does not work, we will tell you why in plain language.