Lantzman Lending fix-and-flip loans fund up to 85% of acquisition plus 100% of rehab costs, or 65-70% ARV, from $50,000 to $3,000,000+ across CA, TX, WA, and NV. 1.5-3.5 points, from 8.99%, same-day rehab draw release. No prepayment penalty.
| Fix & Flip Feature | Structure & Terms |
|---|
| Loan Amount | $50,000 to $3,000,000+ |
| Max Leverage | Up to 85% of acquisition + 100% of rehab costs, or up to 65–70% ARV |
| Interest Rate | From 8.99% depending on LTV | Interest paid only on drawn amount |
| Points | 1.5 – 3.5 points on most 6-18 month loans |
| Loan Term | 6 to 18 months typical | Extensions available | No prepayment penalty |
| Fund Control | Rehab funds held in fund control — same-day draw release |
| Loan Position | 1st position only | Non-owner-occupied properties only |
| Geographic Coverage | California, Texas, Washington, Nevada |
Lantzman Lending construction loans fund up to 100% of construction costs, capped at 65% of finished value, from $50,000 to $3,000,000+. From 2 points, 8.99%+, 12-month term. Funds held in fund control with same-day draw release. CA, TX, WA, NV.
| Construction Feature | Structure & Terms |
|---|
| Loan Amount | Up to 100% of construction loan amounts | Not to exceed 65% of finished value |
| Interest Rate | From 8.99% depending on LTV | Interest paid only on drawn amount |
| Points | From 2 points on most 12-month loans |
| Loan Term | 12 months typical | Extensions available | No prepayment penalty |
| Fund Control | Loan held in fund control and released on draws — same-day draw release |
| Geographic Coverage | California, Texas, Washington, Nevada |
Lantzman Lending bridge, refinance, and commercial loans cover up to 65% FMV with 1.5-3.5 points from 8.99% across CA, TX, WA, and NV. Cash-out refinances require a use of funds letter for business purposes. Probate, trust, and estate loans also available.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Refinances (rate/term and cash-out), commercial acquisitions, bridge-to-permanent, probate/trust/estate loans, and business-purpose cash-out throughout CA, TX, WA, and NV |
| Loan Amount | $50,000 to $3,000,000+ |
| Max LTV | Up to 65% of current fair market value |
| Rate & Points | From 8.99% | 1.5 – 3.5 points on most 6-18 month loans |
| Cash-Out Refinance | Cash-out requires a Use of Funds letter — proceeds must be used for business purposes only |
| Probate / Estate Loans | Specialty program for inherited property, tax reassessment, settlements, real estate buyouts, and attorney fee payoffs. No prepayment penalty, extensions available. |
| Down Payment Flexibility | Seller financing, cross-collateral (NOO only), and 2nd position gap lenders all accepted as down payment sources |
