1. Development
Americap Direct = Hard Money Specialist
Residential Rehab and construction
Land loan
Commercial construction hard money, fast.
As a loan type, fix and flip is used exclusively for a single family residential house. Investors will purchase a distressed property or fixer upper, with the intention of ‘fixing’ the damage and improving its look. The ultimate goal is for the investor to sell or rent the property under the following three conditions:
Don’t let time constraints derail your opportunities. From refinance cash outs to fast approaching note payoffs, Americap Direct has the experience needed to quickly get you funded. 
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Loan terms
  1. Construction bridge loans
    Bridge loan
    ALL PROPERTY TYPES - COMMERCIAL, INVESTOR - RESIDENTIAL, SUPER JUMBO - $150,000 to $305,000,000 - Nationwide - All 50 States - NY | Brooklyn | Queens | Long Island | The Hamptons - Rural Areas considered on Strong Projects - Bad credit OK for all our Bridge Mortgage Loans - All situations considered including bankruptcy, foreclosure - 24 Hour Approvals / Emergency Mortgage Closings - Our Bridge Mortgage Loan Programs are designed for Quick Closings - Standard Bridge Loan rates are from 6.25 -11% - LTVs to 75% - Our Hard Money Bridge Loan rates are from 11.5%-15% - LTVs to 65% - Our Bridge Mortgage Loans are based on actual property/project value - Updated Appraisal Ok - IMMEDIATE SITE VISITS
  2. Some of Our Private Capital Loan Terms and Property Types:
    We partners can loan up to 70% of the ARV on Single Family Residential Properties 55% to 65% ARV on Multi-tenanted Commercial and Mixed Use Properties Terms are 6 to 9 Months with extensions available. Ground up Construction Rehab to Flip or Hold Origination Fee 5% of Loan amount 13.75% interest only payments, No pre-payment penalty Closings in as little as 10 days
  3. construction loan
    Fast closing
    Loan: $5mm to $100mm, rates: 8-12%, fee:2-4%, term: 12-36 months closing: 2-4 weeks, Max Ltv: 70%, max: 80% for bigger projects. Up to 100% for development/renovation
  4. Foreclosure property loan
    Hard Money Loan financing to $150k to 15 million +, High LTVs. True equity based lending. No income check available. Our foreclosure and bankruptcy programs follow our hard money guidelines.. Hard Money Loan financing to avoid foreclosure and or bankruptcy to $150k to 15 million +, High LTVs. True equity based lending. No income check available. Any credit grade. Asset based. ALL PROPERTY TYPES - COMMERCIAL, INVESTOR - RESIDENTIAL, SUPER JUMBO - $150,000 to $15,000,000 for them.
Our Mission
 Americap Direct provides private construction hard money loans for commercial, residential fix and flip, construction and multi-family, apartment, office, retail, warehouse, assisted living properties Nationwide. We help builders and Investors acquire land and even provide financing so they can get through the permitting period. For larger construction projects, such as apartment buildings, we can provide extended loans so investors have time to stabilize rents and secure cash flow.
Contact us to learn more about our construction money lending process. We are happy to discuss all building projects and financing possibilities. Our private construction loans, including ground-up construction, are often based on the completed value of a property or project.
Americap Direct has a wide array of construction programs to help the developer or builder fund most of his construction projects. Our programs are designed to provide a loan for a Builder constructing a commercial property (Office Buildings, Retail Stores, Shopping Centers, Hotels Warehouse/Flex Space, 5+ Multi-Family units and most other income generating properties).
New Construction Loan Option - Residential or Commercial
  • New for 2018-call today or apply online
  • 100% Funding of Vertical Construction Costs
  • 50-60% LTV:Land + 100% New Construction Loan Options Available
  • Up To 75% ACV (After Constructed Value)
  • Rates: 8.99% - 14.99% Interest Only
  • 6-24 Month Term - No Prepay(s)
  • 2-6% Origination Fee Per Transaction
  • Residential: $75,000 - $5,000,000
  • Commercial: $150,000 - $500,000,000
  • Average 10 Business Days To Close
  • Foreign Nationals Welcome!
  • No Minimum Credit Score Required
  • Only Pay Interest On Funds Received

Construction Loan Term

  • Upon completion of the property, the loan may be converted to a permanent loan.
  • Loan amounts from $500k to $300 Million
  • LTV  up to 65%* of the appraised value
  • *Cross collateralization allowed on other properties, if needed, for maximum (or greater) loan amounts
  • Land purchase may be  included in the construction loan, up to 50% of the lot purchase price
  • Owner and Non-Owner Occupied Commercial properties are eligible
  • Self- Build/Owner Builder Borrowers are allowed
  • Fast pre-qualification, typically between 3 to 5 business days
  • Full income documentation and limited income programs
  • Loans are available to Borrowers with excellent to less than perfect credit
  • Flexible draw schedules

Up to 18-month terms available (longer terms available on an exception)

Our new construction program may be used as replacement hospital or construction of a medical office building, can be a necessary strategic option for hospitals seeking to increase revenues, improve operational efficiencies and or to enhance its healing environment.
We can help you finance a new construction project with a variety of funding structures, including rated and nonrated tax-exempt bonds, and debt offering credit enhanced by commercial or agency options, including the FHA-HUD sec. 242 program and USDA loan programs
AMD News. Making Affordable Housing Happen
Fannie Mae is delighted to announce that we will resume Low-Income Housing Tax Credit (LIHTC) activities to provide a reliable source of capital for affordable rental housing and underserved markets, effective November 16, 2017.
Fannie Mae has deep experience bringing together partners and investors in this space to create additional units of affordable workforce housing. We are positioned to provide immediate and ongoing positive impact in the affordable multifamily market through our LIHTC investments. Our LIHTC program investments will be done in a safe and sound manner and in alignment with other Fannie Mae business activities that support multifamily affordable housing.

Helping thousands find affordable rental housing

The LIHTC program is a proven and effective way to create affordable housing supply for low- and very low-income families. The LIHTC program currently finances the construction and rehabilitation of almost all subsidized housing in the U.S. Approximately 90,000 apartment units are built each year using LIHTC, enabling thousands of Americans to find affordable rental housing. It is an incredibly important program and we are thrilled to re-enter the market to help solve some of the toughest and most persistent challenges in affordable housing.
Our goal is to support the production and preservation of affordable rental housing when and where those needs are not being adequately met. Our re-entry into the market is a significant step forward in positioning Fannie Mae to better serve the multifamily market and play an integral role in addressing America's affordable housing crisis.
Hard Money – Conventional Loan
LOAN SIZE -$500k to $300 Million
  • INTEREST RATE-Bank / Conventional – 6% Floor, Prime Based
  • Hard Money – 8% to 12%
  • TERM-1 to 3 years
  • LOAN TYPES-Construction, Acquisition & Development
  • LOAN to COST-Up to 80%
  • LOAN to VALUE- Up to 65%
  • PROPERTY TYPES-All property types including
  • Multi-Family/ Retail/ Medical Office/
  • Hotels/Industrial/Warehouse/ Rehab/
  • Affordable Housing/ Assisted  Living Facilities/
  • Student Housing/Seniors Housing/and  Mix Use.
  • MARKETS- Nationwide Primary Markets
  • CLOSING- Conventional: Typically 60 day /Hard Money: 3 to 4 weeks