Stormfield Capital fix-and-flip loans fund up to 90% of purchase and 100% of approved rehab costs on a 12 to 18 month interest-only structure, with draws managed in-house.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | Non-owner-occupied single-family, condos, townhomes, 2 to 4 unit multifamily, and ADUs. Properties may be vacant or occupied. |
| Loan Limits & Terms | $150,000 to $5,000,000+ | 12 to 18 months | Interest-only, first-lien | Rates from 8.99% | Flexible prepayment options |
| Leverage Ratios (LTC/ARV) | Up to 90% of Purchase Price, 100% of approved Rehab Budget (Max 92.5% LTC), with total exposure generally capped at 65% to 75% of ARV |
| Structural Advantages | Funded and held on Stormfield's balance sheet with 100% in-house servicing. Closings typically in 7 to 10 days. Rehab funds release in phase-based draws after inspection, so tracking actuals against the approved budget in the FlipperForce Project Budgeter keeps each draw request clean. |
Stormfield Capital ground-up construction loans fund up to 85% of purchase and 100% of construction costs for experienced residential builders, with milestone-based draws managed in-house.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Ground-up single-family homes, townhomes, condos, and 2 to 4 unit multifamily, both build-to-sell and build-for-rent. Non-owner-occupied only. |
| Loan Limits & Terms | $250,000 to $3,500,000+ | 12 to 18 months | Interest-only, first-lien | Rates from 9.99% |
| Leverage Ratios (LTC) | Up to 85% of land purchase, 100% of construction costs, up to 70% LTV. A combined maximum LTC is not published. |
| Structural Advantages | Draw schedules tailored to each project and released at key milestones, with repeat-builder programs offering faster approvals. Lay out those milestones in the FlipperForce Scheduler so draw requests track the build. |
Stormfield Capital residential bridge loans provide fast-close capital for acquisitions, cash-out, refinances, and holds ahead of permanent financing on residential and mixed-use investment properties.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Fast-close acquisitions, bridge-to-perm holds, cash-out to fund value-add improvements, and gap financing or refinances. |
| Property Types | Non-owner-occupied SFR, townhomes, condos, 1 to 4 unit multifamily, mixed-use, and ADU conversions. Not eligible: owner-occupied homes, vacant land, churches, restaurants, and special-use commercial. |
| Loan Limits & Terms | $150,000 to $5,000,000+ | 12 to 18 months | Interest-only, first-lien | Rates from 8.99% | Origination not published | Flexible prepayment options |
| Leverage Ratios (LTV/LTC) | Up to 75% of purchase price | Up to 70% LTV. Separate rate-term and cash-out refinance limits are not published: confirm directly with Stormfield. |
| Structural Advantages | Closings as fast as 1 week, typically 7 to 10 days, with 24-hour term sheets. Digital application and e-signing, plus a dedicated Investment Associate from application through payoff. |
