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Our Guarantee

2 Hour 
Commitment

10 Day
Closing

100% 
Success

Loan Matrix

Base Interest Rate

Term

Prepayment Penalty

Amortization

Minimum Loan Amount

Maximum Loan Amount

LTV "as is"

ARV

LTC

Asset Class

Loan Type

Cash Out Refinance

DSCR Minimum

DTI Minimum

FICO Minimum

Loan Purpose

Occupancy

Ownership

Foreign National

Valuation

Bank Statements

Verification of Funds

Seasoning

Income Verification

Territory

Preferred States

10.75%

up to 36 Months

None

Interest Only

$250,000.00

$50,000,000.00

65.00%

70.00%

80.00%

SFR, Multifamily,
Mixed Use, Retail

Bridge, Fix & Flip, Ground Up Construction

No Limits

None

None

None

Investment

Non-Owner

Entity

OK

Appraisal

None

None

None

None

National

NY, NJ, CT, PA, FL

Adjustments Added
to Loan Matrix Interest Rate

FICO

FICO

FICO

FICO

FICO

FICO

FICO

FICO

FICO

FICO

Mortgage Late Payments

Mortgage Late Payments

Mortgage Default

Foreclosure

Bankruptcy

>780

750 - 779

720 - 749

700 - 719

680 - 699

650 - 679

620 - 649

600 - 619

580 - 599

<580

<3

>3

.

.

.

0.000%

0.250%

0.500%

0.750%

1.125%

1.750%

2.000%

2.250%

2.500%

2.750%

0.250%

0.750%

1.500%

2.000%

2.000%

Special Credit Conditions Waived

Late Payments

Mortgage Defaults

Bailouts

Foreclosure

Bankruptcy

OK

OK

OK

OK

OK

We Guarantee to close every loan within 72 hours of the fully submitted loan package and clear title

To submit a loan, please email us at lend@towerfundcapital.com
or if you wish to discuss a potential scenario, please call 646-564-3499