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Our current loan product is perfect for new investors, as well as the students that have gone through our education platform. Typically referred to as the “lensz Capital Box” our core offering focuses on deals that meet (but do not exceed) the FHA cap.
However, many investors are looking for higher LTVs, lower rates, and less stringent requirements on things like baseline inspections, tax impounding, and licensed contractors. For these reasons, we expanded our loan product line.
Our updated family of loan products better serves market expectations for investors new to lensz Capital lending platform.
| THE NUMBERS | TIER A | TIER B | TIER C |
|---|---|---|---|
| % Of Purchase | 90 | 90 | 90 |
| % Of Rehab | 100 | 100 | 90 |
| % Of Max ARV | 75 | 70 | 65 |
| % Of Max LTC | 90 | 90 | 90 |
| Experience | 2 Deals/2 Yrs | 2 Deals/2 Yrs | 1st Timers Okay |
| Credit Score | 720+ | 660–719 | No Minimum |
| Cashout | 65% – no max (6 mo seasoning) | 60% – 150K max (6 mo seasoning) | 50% – 75K max (6 mo seasoning) |
| App Fee | $197 | $197 | $197 |
| FHA Cap | Loan Amount | Loan Amount | ARV |
| Baseline Inspection | No | No | Yes |
| Tax Returns | No | No | Yes |
| Well/Septic | No | No | Yes |
| Impound Next Yr Taxes | No | No | Yes |
At lensz Capital we are only interested in funding projects that will give you the best opportunity at realizing success. Therefore our criteria is centered around these 5 points:
The first part of every successful fix and flip is finding the right real estate property. That’s why we’ve created this easy, 5-point guide to help you find the “sweet spot” deal, which can give you the best chance at making money in real estate, while safeguarding your investment.
At lensz capital we are only interested in providing hard money loans for projects that will give you the best opportunity at realizing success. Therefore our criteria is centered around these 5 points:
Homes above the FHA cap are statistically more likely to experience drastic fluctuations in value and can be more susceptible to local and overall market depreciation. Homes in the 5-point realm tend to be more resilient to these influences.
This is important. When you invest within these parameters, you can attract a larger segment of the market, including FHA buyers. This increases your ability to appeal to more people in more demographics.
FHA loans bring home ownership into reach for first-time home buyers who might have a hard time getting approved with conventional lenders. This increases your ability to sell your property faster and broadens your ability to attract more potential buyers.
Millennials and Boomers are the two segments expected to dominate the market in the next five years. Both of these segments are looking at smaller homes: Millennials because they’re just starting out; Boomers because they’re downsizing. Candace Taylor of The Wall Street Journal wrote, “These days, buyers of all ages eschew the large, ornate houses… in favor of smaller, more modern-looking alternatives.”
Both Boomers and Millennials are looking for less upkeep: Boomers because they’re getting older and Millennials because they’re just starting out. More acreage also means more expense.
It’s the center of everything we do, everything we teach and everything we want for our financial clients and our investors.
Enter the “Circle” anywhere. Enter it as a “newbie” real estate investor, or enter it as an experienced one. You can enter as a borrower or a lender, or even an Internet marketer. We want to explain to you how we can get you traveling along the ‘Circle of Wealth.
We provide borrowers with access to private capital for investing in real estate It’s the ‘Circle of Wealth.’ It’s what we do!
