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Buy, Fix, and Hold Loans for Real Estate Investors:
Fast financing for passive real estate income.

Build wealth with rental property.

Unlock steady real estate returns fast, without the delays of traditional financing. Clout Capital streamlines the lending process with our flexible Buy & Hold program, designed to fit your investment goals.

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Your strategy, our solutions.

Optimize your investment potential with financing solutions that offer high leverage and full coverage of renovation costs. Preserve capital while enhancing property value through strategic improvements.

  •  Finance up to 90% of the property’s purchase price, reducing initial capital outlay.
  • 100% of rehab costs covered.
  • Qualification based on property cash flow rather than personal income, simplifying the approval process.

We work on your timeline.

We adapt our financing to align with your long-term investment objectives – whether it’s holding the property for rental income, or planning a future sale.

  • Prepayment terms structured to your goals.
  • Flexible term and interest rate options.
  • Close in days, not weeks, for the fix part of the deal. Permanent financing can be arranged to close after renovations are complete and tenants are secured.

Expert guidance and support.

Leverage our team’s extensive experience as builders and landlords ourselves to help find you the right financing solution.

  • Quick Processing: Fast approvals and funding kickstart your investment journey.
  • Accessible Financing: Loans designed for those entering the investment market.
  • Diverse Property Types: Funding options for single and multi-family properties.
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Get Pre-Qualified

Buy & Fix & Hold typical loan terms:

Our loan terms aren’t one size fits all – let’s explore how we can tailor our numbers to work for your needs.

• 650 FICO score. We will look at lower scores on a case-by-case basis subject to slightly higher rates and lower LTVs.
• 3 months of cash reserves for the permanent loan.
• No derogatory public records in the past 2 years.
• First-time investors allowed.
• LLC, Corporation, or Partnership.

  • Purchase (Acquisition Only): 70% LTV.
  • Purchase and Rehab: Up to 90% of the purchase price; up to 100% of rehab costs.
  • Not to exceed 70% of After Repair Value (ARV).
  • Permanent loan LTV will be determined based on several factors, including credit score and credit profile, type of loan (cash-out, rate and term), DSCR ratio, and others.
Experience Level:
• 0-2 Properties: Up to 80% of the purchase price; 100% of renovation costs. Not to exceed 70% of After Repair Value.
• 3-9 Properties: Up to 85% of the purchase price; 100% of renovation costs. Not to exceed 70% of After Repair Value.
• 10+ Properties (720+ FICO): Up to 90% of the purchase price; 100% of renovation costs. Not to exceed 70% of After Repair Value.

• For fix financing: 12 month term, with option to extend four times by 3 month increments; no pre-payment penalty (3 months minimum interest required); $100,000 minimum After Repair Value.
• For permanent financing: 15, 30, or 40 year fixed available (I/O possible for 40 year). 3/6, 5/6, 7/6, 10/6 ARMs.

• Non-owner occupied:
• 1-8 unit residential properties.
• Condos.
• Townhomes.

Typically we’ll ask for:

  • Loan application
  • Track record
  • Recent bank statements
  • Appraisal
  • Contract
  • Scope of Work
  • Insurance
  • ID
  • Entity Documents
  • Current leases on subject property
  • Rates start at 9.99% to 12.99% on acquisition, 6% to 9.99% on take-out refinance. Rates are determined by credit scores, LTV, and DSCR calculations. 
  • Cost of an appraisal.
  • Points at closing.
  • $1,999 processing fee.
  • Bank Attorney Fee $1,750 - $2,250.

FUNDING, REIMAGINED.

Ready to start your Buy & Fix & Hold?

We specialize in private, asset-based bridge loans for 1-8 unit properties. Whether you’re flipping, holding, refinancing, or building from the ground up, Clout Capital provides financial solutions to move your investment forward – without the red tape of traditional lending.

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Chris Clifford, President, Clout Capital, servicing bridge loans to real estate investors

Ready to learn more?

Schedule a meeting.

52 Second Avenue

Our investor turned this two unit home into passive income with the help of Clout Capital’s Buy & Fix & Hold loan.

PURCHASE PRICE
$ 0
AFTER-REPAIR VALUE
$ 0 M