Turnkey Purchase
Financing for stabilized, rent-ready, and income-producing properties.
Acquire performing rentals and rent-ready assets with financing structured around the property, from basic 1–4 unit rentals to unique commercial and mixed-use scenarios.
Who it's designed for
Investors acquiring stabilized, rent-ready, or income-producing properties who want financing built around the asset rather than personal income documentation.
Maximum Leverage
Up to 80%
Loan-to-value on 1–4 unit purchases
- 1–4 units up to 80% LTV
- 5+ units up to 75% LTV
- Manufactured homes allowed
- 2nd lien positions allowed, up to 90% CLTV
Shown as a maximum. Actual terms vary by scenario.
Common Uses
- Purchasing performing single-family and small multifamily rentals
- Acquiring mixed-use, commercial, and specialty income properties
- Financing based on the property rather than W-2 income
- Structuring seller financing in a 2nd lien position, up to 90% CLTV
Typical Property Types
What We Look At & What to Gather.
- 80% LTV for 1–4 units; 75% LTV for 5+ units
- 75% LTV for mixed-use, multi-unit, condotels, and non-warrantable condos
- 70% LTV for commercial (mobile homes, warehouse, storage, retail, office, daycare, automotive)
- Bad credit? 50% LTV available for cash-out or rate & term refinancing
- Property address, type, and current condition
- Purchase price or current value
- Existing or projected lease and rent figures
- Borrower credit range and available liquidity
All programs, terms, leverage figures, and approvals are subject to borrower, property, lender, location, and program qualifications and current guidelines. Figures shown are maximums using “up to” language and are not a commitment to lend, a guarantee of terms, or an offer of credit.
Have a Deal? Let’s Look at It Together.
Submit the property and borrower scenario. Total Advantage Solutions will review the information, identify potential loan options, and explain what is needed next.