Creative Financing Loans
Designed to provide flexible and innovative funding solutions tailored to your unique needs
Creative Financing Loans
Built for Your Residential Investment Property (RIP) Profitability
Unlock Your Investment Potential with Flexible Funding Solutions
At Montgomery Lending, we understand that traditional financing doesn't always fit every residential investment property strategy. That's why we offer a suite of **Creative Financing Loans** designed to provide flexible and innovative funding solutions tailored to your unique needs, helping you maximize profitability and expand your real estate portfolio.
Whether you're overcoming down payment hurdles, funding renovations without personal capital, or seeking full project coverage, our programs are structured to remove barriers and empower investors at every stage.
100% Funding Program
Montgomery Lending is proud to offer a groundbreaking **100% financing program** for fix and flip or buy and hold investments, providing investors with unmatched funding opportunities. With this unique loan program, Montgomery Lending covers 100% of both the purchase price and rehabilitation costs, allowing investors to maximize their capital and scale their portfolios efficiently. This rare lending option opens doors for investors to capitalize on lucrative real estate opportunities without the burden of substantial upfront capital requirements. Whether you're looking to flip properties for quick profits or hold them for long-term appreciation, Montgomery Lending’s 100% financing program empowers you to pursue your investment goals with confidence and agility.
Program Highlights: 100% Funding
PROPERTY TYPES
- Non-Owner Occupied 1-4 Family Real Estate
- Condos
- Townhomes
- Mixed-Use Properties
LTV
- Up to 100% of the Purchase Price
- 100% of the Renovation
- Not to Exceed 75% of the ARV
LOAN AMOUNT
$40K - $150K
MINIMUM FICO
700
TERM
12 Months
EXPERIENCE
10 Completed Rehab Transactions in the last 2 years
GAP Funding – Bridge the Gap & Grow Your Portfolio
Montgomery Lending’s **GAP Funding** program is a game-changer for real estate investors, providing a strategic solution to finance down payments and accelerate portfolio growth. This innovative loan program bridges the gap between available capital and required down payments, offering financial leverage to seize lucrative investment opportunities. Unlike traditional financing options, Montgomery Lending’s GAP Funding allows investors to secure properties with minimal upfront capital, maximizing purchasing power and enabling rapid portfolio expansion. By removing financial barriers and providing access to flexible capital, this program empowers investors to close more deals and achieve their investment goals with confidence.
Program Highlights: GAP Funding
PROPERTY TYPES
Requires a separate collateral property
LTV
Up to 100% of the Down Payment
PROPERTY VALUE
“As Is” Appraised Value Must Be $100k or Greater
LOAN AMOUNT
$15K - $100K
MINIMUM FICO
700
TERM
12 Months
EXPERIENCE
10 completed rehab transactions in the last 2 years
Rehab Only Funding – Maximize Property Value Without Tapping Personal Capital
Montgomery Lending’s **Rehab Only Loan** is a game-changing solution for real estate investors looking to renovate and enhance existing properties. This specialized loan provides funding exclusively for property rehabilitation, eliminating the need for investors to use their own funds for renovation expenses. With Montgomery Lending’s Rehab Only Loan, investors gain access to capital solely for renovations, allowing them to increase property value, improve cash flow, and maximize returns without draining personal finances. By leveraging external funding, investors can build equity more efficiently, scale their portfolios faster, and boost profitability in a competitive market.
Program Highlights: Rehab Only Funding
PROPERTY TYPES
- Non-Owner Occupied 1-4 Family Real Estate
- Condos
- Townhomes
- Mixed-Use Properties
LTV
Up to 100% of the Rehab
PROPERTY VALUE
“As Is” Appraised Value Must Be $100k or Greater
LOAN AMOUNT
$15K - $100K
MINIMUM FICO
700
TERM
12 Months
EXPERIENCE
10 completed rehab transactions in the last 2 years
Equity Partner Loan – Real Estate Investment Without Upfront Capital
Montgomery Lending’s **Equity Loan Program** is a groundbreaking opportunity designed for new investors looking to enter the real estate market with minimal to no upfront capital. This innovative lending solution covers the purchase price, rehab, and closing costs, enabling investors to kickstart their real estate journey without significant financial resources upfront. Instead of requiring capital at the outset, Montgomery Lending’s Equity Loan Program allows investors to utilize the equity in the transaction at closing to cover fees, eliminating traditional barriers to entry. This unique financing option provides unprecedented access to real estate investments, empowering new investors to leverage their equity and confidently build their portfolios.
Program Highlights: Equity Partner Loan
PROPERTY TYPES
- Non-Owner Occupied 1-4 Family Real Estate
LTV
- Up to 100% of the Purchase Price
- 100% of the Rehab
- 100% of the Closing Cost
LOAN AMOUNT
$15K - $150K
MINIMUM FICO
700
TERM
12 Months
EXPERIENCE
Maximum of 1 Rehab Transaction in the last year
Ready to Explore Creative Financing for Your Investments?
Regardless of whether your business credit is well-established or still developing, there are financing options available. Our team works closely with investors to structure creative funding solutions that support their goals.
đź“ž (574) 276-4611
Contact Montgomery Lending Today!Let’s find the right loan for your next acquisition, renovation, or cash-out refinance.
Get Expert Commercial Mortgage Solutions
Montgomery Lending is here to help you secure the right financing for your investment goals.
Whether you're looking for bridge loans, structured financing, or creative funding solutions, our team is ready to assist.
📩 Submit Your Inquiry and let’s tailor a lending strategy that works for you!
đź“ž Need immediate assistance? Call (574) 276-4611
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