These loans are for real estate investors who are purchasing or refinancing existing properties to renovate or add on to the existing structure, or simply need more time to be able to refinance. These are short-term, 12-month or less, interest-only loans funded from our own capital. Fast closings, and streamlined underwriting. We can fund up to 80% of the purchase and up to 100% of the construction costs. Maximum LTV is 70% of ARV.

These loans are for RE Investors and builders who need funding for new construction of SFR (1-4 units). We can offer purchase funding, or we can do a cash-out refi. Cash-Out Refinances can only be approved after the plans are approved and permits pulled. We will fund up to 100% of the construction as long as the total loan to cost does not exceed 75%

This loan is specific to rental property investors, who are looking for a 30yr, fixed-rate solution to owning rentals. No personal DTI requirements, and no income verification. Asset-driven underwriting, and no limits to the number of properties you own. We allow LTR and STR purpose properties. We can provide purchase funding for a performing asset or we can provide refinance, rate and term or even cash-out refinancing.

This loan program is unique and specific to Blue Bay Capital. We offer a unique one-of-a-kind solution where we can provide the Buy and Renovate capital of the BRRRR strategy, and we will lend based on your refinance terms! This means you could qualify for an 80% LTARV loan on your initial purchase! This allows our investors to refinance and not get penalized for a cash-out refi! Check out our BRRRR Strategy loan overview below:
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This loan program is also called “Double CLose Funding” or “Simultaneous Close Funding” This loan program is unique to wholesalers and their needs for discrete purchase and sale transactionsWATCH VIDEO on the same day. When a wholesaler has negotiated a great deal, they do not want to jeopardize that deal, by having the seller or the end buyer know how much profit they made on the deal. Transactional funding, allows the A-2-B and the B-2-C transaction to stand on their own two feet, and keep discretion between all parties. Learn more by navigating to the video below:
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