The financing you need to move forward with your real estate goals is waiting for you.

Loan Programs

Truen & Michaels, LLC offers the best selection of bridge loans and conventional financing in all 50 states. No matter where your project is located, and what type of real estate project you are looking to finance, we can match you with the loan program which will help you achieve your goals.

Fix and Flip/Rehab
New Construction
Cash Out Refinance
Rental Property Loans
Permanent Financing
Experience Level
Any Any Any Any Any
Credit Score
600 600 600 600 600
Interest Rate
Low as 7% Low as 7% Low as 7% Low as 7% Prevailing Rates as low as 3%
Points
0% - 2% 0% - 2% 0% - 2% 0% - 2% 0% - 2%
Advance Rate on Purchase
Up to 90% Up to 90% Up to 90% Up to 90% Up to 90%
Advance Rate on Rehab or New Construction
100% of cost 100% of cost 100% of cost 100% of cost 100% of cost
Cash Out Refinance on Current Value
Up to 100% Up to 100% Up to 100% Up to 100% Up to 100%
Loan % to After Rehab Value
Up to 80% Up to 80% Up to 80% Up to 80% Up to 80%
Property Types
Multifamily, SFR, Land, Medical Multifamily, SFR, Land, Medical Multifamily, SFR, Land, Medical Multifamily, SFR, Land, Medical Multifamily, SFR, Land, Medical
Extensions Available
Yes Yes Yes Yes Yes
Cross Collateral / Blanket Loans
Yes Yes Yes Yes Yes
Loan Size
Up to 10M Up to 10M Up to 10M Up to 10M Up to 150m+
Loan Terms
12 - 24 Months 12 - 24 Months 12 - 24 Months 12 - 24 Months Up to 30 Years

We Offer These Nationwide Loan Programs

Fix & Flip Loans

Our Bridge Loan and Hard Money Loan products are designed to provide fast cash to our borrowers. We offer the most competitive products nationwide, with a distinct focus on the New York-Tri State Area and South Florida. We can work with you to structure a loan fully customized to your needs.

12 or 24-Month Loan Terms

Get short-term financing and fast cash when you need it. You can pay down your loan on a schedule which is right for you, with optional extensions available, and without worrying about big prepayment penalties.

Acquisitions and Purchases

We offer a variety of real estate acquisition loans which you can use to purchase a wide range of properties.

New Construction

Build a new residential or commercial property using one of our construction loans. We can provide up to 65% financing for land acquisition and up to 100% of construction cost.

Cash-Out Refinancing

We provide immediate cash to consolidate debt or purchase a new property. Receive cash out up to 100% LTV for residential, mixed use and commercial properties.

Rental Property Loans

We offer our flagship bridge product as well as 30-year term loans for investors for 1-4 family homes, mixed use buildings, multifamily, condominiums and SFR. Our loans provide Borrowers with proceeds up to 80% LTV for purchases and cash out refinance with prevailing rates as low as 3% for term loans and as low as 7% on our flagship bridge product.

Mixed Use Properties

Purchase or refinance mixed use properties. We offer competitive rates and can close immediately.

Multifamily Financing

Our financing products make it easy to close fast on a multifamily assets. We also offer multifamily construction and rehabilitation loans.

Commercial Loans

We offer an assortment of lending products for every commercial real estate need. Whether you need to purchase real estate, rehabilitate a building, construct new property, or buy a vacant lot, we can offer a solution for every timeframe and scenario.

Permanent Financing

While many of our commercial lending products are short-term in nature, we do offer permanent financing for those who are looking for a long-term lending solution. For a long term financing solution loan terms of up to 30 years are available.

SBA Financing

Our SBA Financing products can reach up to 90% LTV, with highly competitive rates.

Conventional financing – provide SBA Financing, up to 90% LTV for Owner Occupied properties.

Fast Cash is Available Today

We offer the most flexible financial products in the business. Whether you need help choosing a loan product or you are ready to apply now, please email info@truenmichaels.com to get started. We look forward to working with you.