Long Hall Financial

Funding Programs

Loan Amounts: $50K – $3.5MM

Rates Starting at: 8.5%

Term: 12 months (18-month option available)

Financing: Up to 100% of rehab budget

Maximum LTC: Up to 90% of purchase price

Maximum LTV: Up to 75% ARLTV

Full Recourse Loans

Fast Closings – As little as 10 business days

Loan Amounts: $50K – $3.5MM

Rates Starting at: 11%

Financing: Up to 100% of construction costs

Maximum Loan-to-Cost (LTC): Up to 75% of land value or purchase price (60% if unpermitted)

Maximum Loan-to-ARV: Up to 70%

LTC Catch-Up Draw: Raises initial advance to 75% upon plan/permit approval post-closing

Recourse: Full recourse loan

Reserves: Minimum 1-month interest reserve required

Loan Amounts: $75K – $2.5MM

Rates Starting at: 6.25%

Loan Terms: 30-year fixed or Hybrid ARM (5/6, 7/6, 10/6)

Loan Purpose: Purchase, rate-term refinance, or cash-out of a single rental property

Minimum FICO: 660

Recourse: Full recourse loan

Experience Required: None

Fast Closings: Streamlined approval for cash-flowing rental properties

Loan Amounts: $250K – $50MM

Rates Starting at: 6.25%

Loan Terms: 30-year fixed or Hybrid ARM (5/6, 7/6, 10/6)

Loan Purpose: Blanket loan for purchase, rate-term refinance, or cash-out of a rental portfolio

Minimum FICO: 680

Lease Requirements: Minimum 90% occupancy by unit count

Recourse: Full recourse with equity pledge of borrowing entity

Flexible Financing: Covers multiple properties under one streamlined loan

Contact Us

Frequently Aksed Questions (FAQ)

  • We provide Fix & Flip, Bridge, Ground-Up Construction, Rental, and Portfolio funding to help investors scale their businesses.

  • Funding can happen in as little as 10 business days, depending on the complexity of your deal and required documentation. Repeat borrowers close the fastest as much of the required information in already on file.

  • We provide funding solutions for deals ranging from $50,000 to $50,000,000, depending on the loan type and project scope.

  • Rates vary based on loan type, experience, and deal structure. Contact us for a custom quote.

  • Yes, credit score requirements vary by loan type, but we work with investors of all experience levels to structure the best possible funding solutions.

  • Yes! While some loans require prior experience, we offer funding options for first-time investors looking to complete their first project.

  • No traditional income verification is required for most of our funding solutions. We focus on the asset and deal potentialover personal income.

  • We assist with residential single-family, 2-4 unit properties, townhomes, warrantable condos, and multifamily portfolios in 42 states.

  • Yes, for Rental and Portfolio funding, we use a Debt Service Coverage Ratio (DSCR) approach to qualify based on property income rather than personal income.

  • Yes, we offer Bridge and Rental Portfolio funding that allows rate-term refinancing and cash-out options, subject to our seasoning requirements.

  • Applying is easy! Simply fill out our online application or contact us to discuss your deal.