Financing Growing Real Estate Investors

ClearBlu Capital Group provides time-sensitive bridge financing to real estate investors to fund the purchase of  residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit.  A lack of liquidity in the credit markets and increased regulation of the banking industry has restricted conventional financing as an option for investors in fast-moving and competitive real estate markets. As your lending partner, ClearBlu Capital Group focuses on providing short and long-term finance solutions to fill this market void.

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DIRECT Real Estate lENDING

short-term bridge financing

Fix and flip
  • Residential 1-4 Units
  • Loan Amount:
    $50,000 – $5,000,000
  • Maximum LTC
    Up to 85% purchase
    Up to 100% of rehab
  • Max Loan to ARV 70%
  • 12 – 18 months
  • Full recourse
ground up new construCTION
  • Residential 1-4 Units
  • Loan Amount:
    $50,000 – $5,000,000
  • Maximum LTC
    Up to 75% purchase
  • Up to 100% of construction
  • Max LTC Total 80%
  • Max Loan to ARV 70%
  • 12 – 18 Months
  • Full recourse
MULTIFAMILY BRIDGE
  • Small Balance 5+ Units
  • Loan Amount:
    $500,000 – $5,000,000
  • Max LTC for Purchase
    80% of purchase value + 100% of rehab
  • Max LTC for Refinance
    75% of as-is value + 100% of rehab
  • Maximum Loan to Stabilized Value 75%
  • Up to 24 months + two 6-month extensions

long-term real estate financing

single family rental
  • Single family, 2-4 unit, townhomes, PUD, warrantable condos
  • $75,000 – $2,000,000
  • 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • 30 Years Terms
  • 80% Max LTC
  • Max LTV
    Purchase/rate term refi: 80%
    Cash-out refi: 75%
  • Minimum Debt Service Coverage Ratio
    1.10x (Gross Rent/PITIA)
  • Full recourse
Rental Portfolio Financing
  • Single family, 2-4 units, townhomes, PUD, warrantable condos
    5-8 Unit Properties allowed up to 15% of Loan Amount
  • $250,000 – $50,000,000
  • 30-yr Fixed Rate Mortgage (Fully Amortizing)
    5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • 5, 10 & 30 Years
  • 80% Max LTC
  • Max LTV:
    Purchase/rate term refi: 80%
    Cash-out refi: 75%
  • Minimum Debt Service Coverage Ratio:
    1.10x – 1.20x (Net Cash Flow/Debt Service)
  • Non Recourse
MULTIFAMILY Term
  • 5-8 Unit Residential Properties
  • $250,000 – $3,000,000
  • 30-yr Fixed Rate Mortgage, OR 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • 30 Year Terms
  • 80% Max LTC
  • Max LTV
    Purchase/Rate-Term Refinance: 70% Cashout Refinance: 70%
  • Minimum Debt Service:
    1.20x – 1.40x
  • Full recourse or non recourse

stabilized bridge

purchase

For borrowers who are seeking a quick close bridge loan to purchase rental properties that do not need renovations

  • Max LTC
    Subject to LTV Limits
    85%
  • Max LTV
    Subject to LTC Limits
    70%
  • Cash Out Allowed
    N/A
  • Minimum DSCR
    Minimum in place DSCR of 1.00x based on IO bridge loan payment.
    Minimum exit DSCR of 1.10x based on 30yr FRM and current lender rate + 50 bp
seasoned refinance

For borrowers with rent-ready properties that have been owned for more than 12 months, do not have deferred maintenance, and are looking for cash out (value based underwrite)

  • Max LTC
    N/A
  • Max LTV
    70%
  • Cash Out Allowed
    N/A
  • Minimum DSCR
    Minimum in place DSCR of 1.00x based on IO bridge loan payment.
    Minimum exit DSCR of 1.20x based on 30yr FRM and current lender rate + 50 bp
non seasoned refinance

For borrowers with rent-ready properties that have been owned for less than 12 months and do not have deferred maintenance

  • Max LTC
    Subject to LTV Limits
    85% +100% of completed renovations
  • Max LTV
    Subject to LTC Limits
    70%
  • Cash Out Allowed
    Follow LTC guidelines
  • Minimum DSCR
    Minimum in place DSCR of 1.00x based on IO bridge loan payment.
    Minimum exit DSCR of 1.10x based on 30yr FRM and current lender rate + 50 bp
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