MORE REAL ESTATE LOANS OPTIONS THAN ANY OTHER LENDER
Offering Private Money and Conventional Loans
Let Us Help You Grow Your Portfolio of Rental Properties!
More Options For Leased & Short Term Vacation Properties
Choose Terms that work best for you:
Fixed Rate 30 year amortized loan.
Fixed rate 10/30 interest-only for 10 years that converts to 30 years amortization.
Adjustable-Rate ARM’s 5 to 10 Year Terms.
Turn Your Real Estate Into Wealth
New purchases up to 85% - Refinance 80% - and Cash-Out options up to 75%.
Specialized rent qualifiers on Airbnb properties show above market rents for EZ qualifying
No Tax Returns Required Qualifying is Based on Debt to Income
Full Doc Loans Can Achieve Lower Rates
LONG TERM RENTAL LOANS (Debt Service Coverage Ratio)
• DSCR can be Calculated on Interest Only on 10/30 program
• Long-Term Financing on Short-Term Rental Vacation Properties Available.
• $75k - $4M
• Up to 85% LTV
• Purchase, Rate & Term or Cash Out
DSCR Ratios
The debt service coverage ratio formula is the annual gross rental income divided by the debt obligations of the property. The debt obligation is the total of the principal and interest of the loan, property taxes, insurance and HOA if applicable Some lenders require a ratio over 1.0 which means that the rental income is greater than the debt obligations. However, we can offer ratios as low at 0.75. That means that the rental income can be as low as just 75% of the debt obligation.
More Working Capital
Let Us Help You Close Fast! Direct Private Money Loans
We offer simple bridge loans to meet your transitional financing needs.
Turn Your Real Estate Into Cash Out
Close within 5-10 Days
Better terms, more accessible qualifications, and a simple process you can trust.
Now is the time to turn your investment dreams into reality.
BRIDGE LOANS
• Single-family, 1-4 Units, Condos, Townhomes
• Loan Amounts from $75k - $4M
• Up to 80% LTV
• 12-24 Month Terms
Let Us Help You Grow Your Project Portfolio!
More Working Capital
Use the money that you would normally have reserved to
fund construction draws for new projects.
Have Funds for Unexpected Issues
Our Professionals Program Includes
Purchase + Rehab Costs + Interest Payments + Loan Costs = LTC
You will be prepared to deal with unforeseen circumstances
with the money you are given up-front on each draw
FIX & FLIP LOANS
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Monthly Payments Rolled Into the Loan
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Advanced Rehab Draws Available
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Single-Family, 1-4 Units, Condos, Townhomes
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No Income, No Tax Returns, No Assets & Reserves
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Loan Amounts from $75K-$4M
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Up to 90% LTV
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Nationwide Lending
Let Us Help You Finance Your New Residential Ground Up Construction Project!
Flexible Terms
No Red Tape, No Income, No Assets, No Reserves
Turn Your Real Estate Into Wealth
Designed for experienced builders and investors
who require extensive reconstruction or new builds
CONSTRUCTION FINANCING
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No Red Tape, No Income, No Assets, No Reserves
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Single-Family 1-4 Units, Townhomes
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Up to $4M Loan Ammount
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90% LTC and UP to 75% LTARV
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Nationwide Lending
We Make Financing For Apartment Buildings Easy.
Inner Core Home Loans offers short-term bridge financing, fix and flip financing, & long-term rental financing for 5+ unit apartments & mixed-use properties.
Flexible Solutions for Financing Multi-Family Buildings
You will be prepared to deal with unforeseen circumstances
with the money, you are given up-front on each draw.
Multi-Family Bridge Loans
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18 Months
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Loans from $250k - $10M
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Up to 80% LTC
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Rates Start at 8.475%
Long Term
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30 Years
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Loans from $250k - $10M
ABOUT INNER CORE HOME LOANS
We Are a New Age Lender and Brokerage of Residential Real Estate Loans.
INNER CORE HOME LOANS has the ability to fund or place a loan for any residential loan scenario a borrower has with some exceptions. Our funding capital is broad and funding partners are vast. Our vision was to be able to help anyone who contacts us to get a real estate loan, so we expanded and offer all conventional loan products, FHA and VA loan programs, non-conforming loans, and private money loans. Offering the best rate and terms available along with loan products for challenged borrowers, and real estate investors who need more options. Whether you need conventional financing, government back loans, or non-conforming financing we have you covered.
Our core goal is to be your lending partner and get you a loan that is best for you, which could be a 30-year loan for your residence or investment property, home improvements, short-term bridge residential investment, Fix & Flip loan, or private hard money loan. Fill out our quick quote and we will start putting together loan options you can choose from. Our in-house products offer electronic document signatures and the fastest closings in the industry.
* Rates, terms, and conditions offered, apply only to qualified borrowers in accordance with our guidelines at the time of the application, property factors, and geography and are subject to change at any time without notice. This is a non-binding expression of interest and does not create any legally binding commitment or obligation on the part of INNER CORE HOME LOANS or its affiliates and is subject to our credit, legal, and investment approvals process. Rates and terms are as of 11/15/2022
Privacy Policy
This Privacy Policy governs the manner in which Inner Core Capital Inc. collects, uses, maintains and discloses information collected from users (each, a “User”) of the https://innercorehl.com and https://innercorecapital.com website (“Site”). This privacy policy applies to the Site and all products and services offered by Inner Core Capital Inc.. Personal identification information We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. Non-personal identification information We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. Web browser cookies Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly. How we use collected information Inner Core Capital Inc. may collect and use Users personal information for the following purposes: To improve customer service Information you provide helps us respond to your customer service requests and support needs more efficiently. To personalize user experience We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site. To improve our Site We may use feedback you provide to improve our products and services. We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service. To share your information with third parties We may share or sell information with third parties for marketing or other purposes. To run a promotion, contest, survey or other Site feature To send Users information they agreed to receive about topics we think will be of interest to them. To send periodic emails If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site. How we protect your information We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users. Third party websites Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies. Compliance with children’s online privacy protection act Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13. Changes to this privacy policy Inner Core Capital Inc. has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. Your acceptance of these terms By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes. Contacting us If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at: Inner Core Capital Inc. 4275 Executive Square, Suite 200 La Jolla, CA 92037 (858) 201-3201 | Robert@innercorecapital.com This document was last updated on 02/16/2017