FREQUENTLY ASKED
QUESTIONS.

We specialize exclusively in 1-4 unit residential investment properties — single-family rentals, duplexes, triplexes, and fourplexes. All loans are for non-owner-occupied investment properties only.

Yes — we lend nationwide across all 50 states. Florida, New York, New Jersey, Texas, California, and everywhere in between.

Yes. We work with both first-time and experienced investors. Strong deals and motivated investors are what we look for — we will guide first-timers through every step.

There is no fixed minimum — approval is driven primarily by the asset and the deal. That said, having a general sense of your credit range helps us match you to the right program faster.

Yes. Most of our investor clients close in an LLC, corporation, partnership, or trust. We can also close in your individual name if you prefer.

Rates vary by loan product, LTV, deal complexity, and borrower experience. Bridge and hard money loans typically range from 8–12%. DSCR 30-year mortgages are priced based on current market rates and loan structure. We provide exact pricing in your term sheet — no surprises at closing.

Our minimum loan amount is $75,000. There is no hard maximum — we evaluate larger deals on a case-by-case basis. Most of our loans range from $150K to $2M+.

Our Bridge Loans offer up to 90% LTV on purchase, 100% construction financing, 80% on straight purchases, and 75% of purchase price on ground-up construction with 100% of construction cost covered.

We close in as fast as 5-7 business days. Term sheets go out within 48 hours of a complete scenario. Our asset-focused underwriting cuts through the red tape that slows banks down.

ARV stands for After Repair Value — the estimated market value of a property after all planned renovations are complete. It is a key underwriting metric for fix-and-flip and bridge loans. We lend up to 75% of ARV, so a higher ARV supports a larger loan. An independent appraisal with an "as-improved" value is typically required to confirm ARV.

Rehab and construction funds are not disbursed upfront. We set up a draw schedule tied to project milestones. When a milestone is complete, you submit a draw request, we order a brief inspection, and funds are released — typically within 2–3 business days. This protects the project and keeps construction moving without delay.

Yes — we fund auction purchases. Contact us before the auction with the property details so we can pre-approve your deal and confirm funding availability. Auction closings are often tight on time, and our 5–7 day closing capability is designed exactly for scenarios like these.

Yes. Loan extensions are available for qualifying projects. If your renovation or sale timeline extends beyond the original term, contact us early — not at maturity. Extension fees and terms vary by loan and situation. We work with our borrowers to find a solution rather than forcing a fire sale.

A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income the property generates, not your personal tax returns or W-2s. We offer a 30-year fixed term at up to 80% LTV on purchase and up to 75% on cash-out refinance.

Absolutely. We offer cash-out refinance up to 75% LTV on existing investment properties — redeploy that equity as a down payment or full purchase on a new acquisition without selling your performing assets.

Absolutely — this is the core of the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). Once your renovation is complete and the property is stabilized with a tenant, we can refinance your bridge or fix-and-flip loan into a 30-year DSCR mortgage, returning your equity to redeploy on the next deal.

No — your initial term sheet is based on the information you provide. A formal appraisal is typically ordered after you accept terms, as part of standard underwriting.

To start, we just need your property details and deal numbers. As underwriting progresses, we may request items like proof of funds, entity documents, and a purchase contract or current mortgage statement.

For most of our loan products, yes — we require a personal guarantee from the principal(s) of the borrowing entity. This is standard in private lending and does not affect your ability to close in an LLC or other entity. The guarantee provides an additional layer of security without removing your asset protection structure.

LTV (Loan-to-Value) is the loan amount divided by the current or appraised value of the property. LTC (Loan-to-Cost) is the loan amount divided by total project cost — purchase price plus renovation budget. We underwrite against both metrics. A deal might pass LTV but fail LTC if the renovation budget is unusually high relative to the purchase price.

Apply online, call us at (347) 243-9802, or email info@ayincapitalfunding.com. We respond within one business day. Term sheets within 48 hours. Closings in 5-7 days.