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UPSTATE BLACK CHAMBER OF COMMERCE
UPSTATE BLACK CHAMBER OF COMMERCE
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    • Home
    • About
    • Services
      • Overview
      • Deal Structuring
      • Commercial Credit
    • Loan Programs
      • Brokerage Overview
      • Fix & Flip Loans
      • Long-Term Rental
      • Multi-Family Loans
      • New Construction
      • Portfolio Loans
    • Resources
      • News
      • Video Library
      • Form Library
      • Terms of Service
    • Get Started
    • Client Portal
  • Home
  • About
  • Services
    • Overview
    • Deal Structuring
    • Commercial Credit
  • Loan Programs
    • Brokerage Overview
    • Fix & Flip Loans
    • Long-Term Rental
    • Multi-Family Loans
    • New Construction
    • Portfolio Loans
  • Resources
    • News
    • Video Library
    • Form Library
    • Terms of Service
  • Get Started
  • Client Portal

About American Capital Funds Group LLC

Long-Term Rental Loan Program

American Capital Funds Group (ACF) remains committed to your future investments with our Long-Term Rental Loan Program. This program offers a 30-year term with rates starting at 6.99%, ensuring our customers have true long-term financing options to support their real estate investment goals. 

Key Features

 

  • 30-Year Term: Secure your investment with a long-term financing option that offers stability and predictability.
  • Competitive Rates: Enjoy rates starting at 6.99%, making it easier to manage your rental property finances over the long haul.
  • Flexible Amortization Options: Choose from 30-year fixed, hybrid ARMs (5/1, 7/1, 10/1), and interest-only options to suit your financial strategy.

Eligible Collateral

  • Non-Owner Occupied 1-4 Family Real Estate
  • Condos
  • Townhomes
  • Planned Unit Developments (PUD)

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LOAN CRITERIAl

Loan-to-Value (LTV) Ratios

Loan-to-Value (LTV) Ratios

Loan-to-Value (LTV) Ratios

 

  • Purchase: The lesser of up to 80% of the as-is value or up to 80% loan-to-cost
  • Refinance: Up to 80% of the as-is value
  • Cash-Out: Up to 75% of the as-is value

Amortization Options

Loan-to-Value (LTV) Ratios

Loan-to-Value (LTV) Ratios

 

  • 30-Year Fixed: Lock in a consistent payment over the life of the loan.
  • Hybrid ARMs: Flexible options such as 5/1, 7/1, and 10/1 to balance between fixed and adjustable rates.
  • Interest-Only: Lower initial payments with interest-only options available.

Property Values

Loan-to-Value (LTV) Ratios

Property Values

 

  • The "as-is" appraised value must be $100,000 or greater.
  • Geographical restrictions may apply.

Loan Amounts

Debt Service Coverage Ratio (DSCR)

Property Values

 

  • Loan amounts range from $55,000 to $2,000,000, catering to a variety of investment sizes.

Debt Service Coverage Ratio (DSCR)

Debt Service Coverage Ratio (DSCR)

Debt Service Coverage Ratio (DSCR)

 

  • A minimum DSCR of 1.05 is required to ensure the property generates sufficient income to cover loan payments.

Minimum FICO Score

Debt Service Coverage Ratio (DSCR)

Debt Service Coverage Ratio (DSCR)

 

  • A minimum FICO score of 660 is required to qualify for the program. 


Why Choose ACF?

 At American Capital Funds Group, we understand the complexities of real estate investing. Our Long-Term Rental Loan Program is designed to provide you with the flexibility, support, and financial stability you need to manage and grow your rental property portfolio. Whether you are purchasing new properties, refinancing existing ones, or taking cash out to reinvest, ACF is your trusted partner in real estate financing. 

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