Building
At A.J.T.M. Financial Group, Inc., we take pride in offering diverse loan programs for commercial and residential borrowers. We even provide funding for clients in the cannabis industry. Our extensive range of funding and lending options has empowered countless clients over the years. These experiences have helped us enhance the efficiency and effectiveness of the way we do business. Explore our current loan programs and check back soon, as these offerings may be changed or updated.

Our Current Loan Programs

Stated Income and Stated Asset Loan

  • Lowest Rates Available
  • Minimum Loan: $75,000
  • Maximum Loan-to-Value (LTV) Ratio: 80%
  • 30-Year Fixed Terms and Interest Only
  • Lending Area: Nationwide
  • Eligible Property Types: Commercial and Residential Investment Properties

Fix and Flip and Fix and Lease Loan

  • Minimum Loan: $75,000

New Construction Lending for Commercial Properties

  • Purpose: Ground-Up Commercial Construction Developments Only
  • Eligible Property Types: All Commercial Property Types Considered
  • Experience: Prior Construction Experience Highly Preferred
  • Loan: Construction to Permanent
  • Construction Period: Interest Accrued during Construction and Stabilization Periods
  • Recourse: Non-recourse Personally with Bad Boy Clauses
  • Pre-Payment Penalty: None
  • Loan-to-Cost (LTC): 85%
  • Down Payment: 15% Can Be a Combination of Cash, Equity Partners, Bonds, Etc.
  • Project Status: Must Be Shovel Ready or Will Be within 90 Days
  • General Contractor: Must Have Similar Projects Completed Successfully and Be Licensed, Insured, and Bonded
  • Debt Service Coverage Ratio (DSCR): 1.25x upon Project Stabilization
  • Credit Score: No Minimum Score Required

New Construction for Residential Investment Properties

  • Competitive Rates
  • Flexible Terms
  • Borrow up to 100% of Construction Costs or 75% of After-Repair Value (ARV)
  • Interest-Only Payments
  • Potential to Defer Loan Costs, including Interest
  • Minimum 650 FICO Requirement
  • Maximum Loan-to-Value (LTV) Ratio: 100% of Purchase and 100% of Rehabilitation
  • Not to Exceed 75% of After-Repair Value (ARV)

Contact Us for More Information

To find out more about our commercial and residential loan programs, please do not hesitate to get in touch with us today. It would be our pleasure to answer any questions you may have.
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