Straight answers.
The questions investors actually ask us — credit, leverage, seasoning, structure, and timing. If yours isn't here, call the desk.
Qualifying
Who these programs are built for, and what we actually look at.
- Do your loan products require experience?
- We have many different loans that offer financing for new investors, seasoned investors, and everybody in between. New investors tend to see higher rates until experience is built — unless they are partnered with more experienced investors.
- What's the main difference between conventional and private lending?
- Conventional financing (banks) requires certain levels of income, DTI, and employment to qualify. The private lending sector (non-QM) relies on the asset being used in the deal, the borrower's credit score, and the cash flow of the property. Private lending is often used by self-employed and seasoned investors to scale an investment business or portfolio.
- What's the minimum required credit score?
- 620–660, depending on the program.
- Do your products report the loans to the credit bureaus?
- No. Because of this, investors are able to grow their portfolios faster without setbacks from credit or mortgage DTI issues.
- Does the property need to be occupied to qualify?
- No.
Terms, LTV & property
The numbers that decide whether a deal pencils.
- What's the maximum LTV?
- Up to 90% on flip loans (with 100% financing available on some flip structures), 75–80% for cash-out refinance, and 80% for purchase. Actual leverage depends on the deal, the property, and underwriting.
- What's the minimum property value?
- $50k for single assets, and $40k per door for commercial properties.
- How long are the financing options?
- Some lower-rate loan products offer 20–25 year terms; others offer 30-year terms for purchase and refinance.
- Do you offer fix and flip loans?
- Yes. We have institutional loan products and local private loan products — depending on the deal, your best option may vary case by case.
- Is there a seasoning period?
- Some lenders have no seasoning period. Typically it is 3 months, but we can start the process at 2 months. Recent economic shifts have moved many products toward longer seasoning periods of 6 months, though we still have options with no seasoning requirement.
Structure & closing
How the deal is held and who signs.
- Can I close in an LLC?
- Yes. In fact every loan closes under an LLC — it's a feature, not a hurdle. It separates your personal assets from investment risk.
- Can I close in a trust?
- Yes.
- Do you do portfolio loans?
- Yes.
- What are the portfolio loan requirements?
- A minimum value of $50k per door, with a minimum of 2 properties bundled together in the deal.
Process & timing
- How long is the financing process?
- Typically 3–4 weeks. Time-sensitive bridge and flip deals can move considerably faster.
- What do you need from me to start?
- Send the address, purchase price, rehab budget if any, expected rents (or short-term rental projections), estimated value, and your timeline. That's enough for a real, scenario-specific quote rather than a generic rate sheet.
Still have a question?
Reach the desk at mortgage@centurykeycapital.com or call 804-613-4691. Our 24/7 loan advisor is at 804-913-2765.
Get a QuoteFor business-purpose / investment lending and intended for mortgage and real-estate professionals. Rates, terms, and program availability are subject to change and depend on borrower, property, and underwriting. All borrowers close under an LLC. This is not a commitment to lend or an offer of credit. For investment properties only.
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