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Solve hard to place investor loans
Increased bank regulatory restrictions have left many lenders unable to provide financing to some of their best clients. Livco Financial is a specialty mortgage lender that focuses solely on the hard to place investor mortgages banks cant finance. We are a reliable partner to help take care of your client without any risk to your relationship.
We don’t compete with bank services
Livco Financial doesn’t offer depository relationships and will happily work with your clients. We also only lend on non owner occupied investment properties. So you can have peace of mind that we will not compete on ancillary services or typical bank loan programs. In fact, we often have clients to refer back to our lending partners when our programs are not a fit.
Our programs start where banks stop
There are a variety of issues that can cause good borrowers to miss bank lending boxes. Here are many that the Livco Smartloan can accommodate:
| True stated income – No tax returns |
| No debt to income calc required |
| Wage earners or self employed – OK |
| No loan reserves required |
| Loans from $100k-$5mm up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV |
| SFR, 2-4 unit and commercial |
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| True stated income – No tax returns |
| No debt to income calc required |
| Wage earners or self employed – OK |
| No loan reserves required |
| Loans from $100k-$5mm up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV |
| SFR, 2-4 unit and commercial |
| 640+ FICO (or less on exception basis) |
| No VOM/VOR on any other properties |
| Asset based lending |
| No global underwriting |
| More than 10 properties – OK |
| Cashout on more than 5 SFR or 2-4 unit |
| Jumbo loans for SFR, 2-4 unit |
| Cashout commercial, 1 yr seasoning |
| Flexible source, seasoning of funds |
| BK or foreclosure 24+ mo old – OK |
| 3yr fixed/30yr ARM – No balloon |
| “C” quality commercial properties – OK |
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General program highlights depend on many factors and are subject to change at any time. Please contact your loan consultant for your scenario.
Small balance commercial loans up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV
Small balance commercial properties are one of the many niches the Livco Smartloan serves with unmatched flexibility. While many lenders won’t lend below $500k or $1mm on commercial, if at all, the Livco Smartloan can fund from $100k to $5mm at up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV. This provides a powerful financing tool for investors – helping to unlock value in a new class of properties.
Fix+Flip loans up to 90{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV
Experienced rehab investors can take advantage of our unique Fix+Flip bridge loan program. Fast, streamlined processing can provide funding in as little as 3-5 days. And a flexible 90{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} max LTV provides investors another powerful financing tool to close more deals and maximize capital.
Better alternative to hard money
One of the most difficult parts of the banking business is having limited options for good clients in tough situations. You build relationships with your clients and know that they’re good people with unique circumstances. Hard money loans force clients into a corner with difficult terms.
Our Smartloan program offers a simple process, better terms, client flexibility with no balloon due, and happier clients likely to thank you for the referral.
Free consultation
Our experienced loan consultants look forward to discussing your clients scenario. For more information, give us a call at 877.742.7888 or request a Quick Loan Quote.
Customer Testimonials
When we hit a snag trying to obtain a loan, my realtor Ericka Saenz at Century 21 recommendedwe try Livco. Turns out she was right. You were able to fund our loan even though our credit isn’t perfect and other banks couldn’t. Thank you! We highly recommend Livco to others. Your staff was professional and a pleasure to work with and we’ll definitely work with you again.
J. Torres, Real estate investor Customer Testimonials
I’ve used Livco financing to successfully purchase a number of REO’s and short sales. Fast turnaround has been key and Livco consistently delivers. I love that you reliably meet your commitments. You’ve worked diligently with me and all the third parties involved in the transactions. As a result I now have a number of successful single family home investments thanks to Livco.
L. Sanchez, Century 21 Customer Testimonials
I have been a loan broker for over 25 years and have done business with Livco Financial for the past few years. Livco Financial has very unique loan programs and a fresh approach in the Residential and Commercial lending industry. Their pricing and asset based underwriting makes them by far one of the best companies around and a great alternative to hard money lending.
R. Javier , Mortgage Broker Customer Testimonials
Working with Livco Financial for our Commercial and Residential Mortgage needs has always been a very pleasurable experience. Loan processing and underwriting was expedient. We were treated in the upmost respect and professionalism. I would recommend Livco Financial to anyone with Mortgage Banking needs. Thanks again for your help and support.
J. Sosa, Score Properties Inc. Customer Testimonials
In the past I’ve been forced to go to hard money lenders for loans. I have perfect credit but own too many properties. The Livco programs have been a great alternative to high rate hard money loans. I really love the simple underwriting and the fact that there isn’t a balloon payment due in 12 months.
C. Sanchez , Real estate Investor
