TERNUS

Revolutionizing Real Estate Financing with Quick, Hassle-Free Loans for Investors

ternus

by on Leave a Comment

Loans For IRA Properties: Long Term Rental and Fix and Flip

At Ternus Lending, we understand the unique challenges and opportunities that come with financing real estate investments through an Individual Retirement Account (IRA). Traditional lenders often limit IRA-related loans to about 50% loan-to-value (LTV), which can significantly restrict your investment potential. We’re excited to announce a breakthrough in IRA financing that can change the game for many investors: now, you can leverage up to 75% LTV on your real estate investments, matching the financing opportunities available to other business entities.

Tailored Loan Programs for IRAs

Our innovative loan programs cater specifically to real estate investors using IRAs to fund their investments. Here’s how it works:

  1. Credit Review of the Primary Account Holder: Even though an IRA typically does not allow personal guarantees on loans, we approach this differently. We assess the credit of the IRA’s primary account holder as if they could personally guarantee the loan. This allows us to extend more favorable loan terms that are usually available only to personal or business entity loans.
  2. Two Flexible Loan Options:
    • Limited Recourse Loans (Up to 75% LTV): For investors willing to accept limited recourse—with what’s known as a “bad boy carve-out”—we can offer up to 75% LTV. This is ideal for both fix-and-flip and long-term rental loans.
    • Full Non-Recourse Loans (Up to 65% LTV): If you prefer a loan without any personal liability, we offer full non-recourse loans at up to 65% LTV, providing more leverage than typically offered by other lenders for IRA investments.

What is a “Bad Boy Carve-Out”?

A “bad boy carve-out” is a clause in limited recourse loans that provides conditions under which the borrower would be personally liable if certain misconduct occurs. These “bad acts” typically include fraud, misrepresentation, or other egregious acts that harm the lender. Essentially, as long as the borrower acts in good faith and adheres to the terms of the loan, they will not face personal liability beyond the collateral itself.

Why Choose Ternus Lending for Your IRA Real Estate Investments?

  • Increased Leverage: With the ability to finance up to 75% LTV, you can now undertake larger projects or make more substantial investments than typically possible with IRA funds.
  • Flexible Terms: Our two-tiered loan options cater to different risk tolerances and investment strategies, allowing you to choose the best fit for your financial goals.
  • Market Competitive Rates: Despite the specialized nature of these loans, our rates remain competitive with those available to traditional business entities.

Ready to Expand Your Investment Portfolio?

If you hold an IRA and are looking for financing to either start or expand your real estate investments, Ternus Lending has tailored solutions that can enhance your buying power and investment reach. Our team is dedicated to providing innovative financing solutions that help you maximize your IRA’s potential in the real estate market.

Contact us today to learn more about how our IRA-compatible real estate loans can provide you with the leverage you need to grow your investments and secure your financial future. Let Ternus Lending help you turn your investment dreams into reality!

by on Leave a Comment

Navigating the Current Investment Landscape with Ternus Lending’s DSCR Program

As the real estate market continues to grapple with shifting interest rates and economic uncertainties, investors find themselves in a precarious position. Traditional lending solutions are becoming less favorable due to prolonged high-interest rates influenced by persistent inflation and Federal Reserve policies. For many real estate investors, especially those with loans nearing maturity, the question arises: how can one continue to own and acquire more assets in such a challenging environment?

Why Choose Ternus Lending’s DSCR Loans?

At Ternus Lending, we understand these challenges intimately. That’s why we’re seeing a rising trend in our Debt Service Coverage Ratio (DSCR) loan selections. Our DSCR program is designed not just to manage but to thrive in today’s economic landscape. In April alone, we closed 23 loans totaling $4.3 million, revealing significant insights into investor preferences and strategies.

Popular Trends in DSCR Financing

Our data from April shows a clear trend: investors are prioritizing flexibility and cash flow. The average loan had an origination fee of just 0.5%, with interest rates around 8.3% and out-of-pocket fees near $1,000. These figures reflect a strategic choice many of our clients make: they opt for a slightly higher interest rate to benefit from lower upfront costs and shorter prepayment penalties.

The Five-Year Interest Only Option

A particularly popular choice is our five-year interest only option. This allows investors to pay a fixed interest rate of 8.35% for the first five years without touching the principal. Post this period, the loan transitions into a traditional amortizing loan over the next 25 years at the same interest rate. This structure is not just a financial strategy; it’s a hedge against inflation, locking in rates while maximizing cash flow.

Success Stories

One standout case involved a client with a five-year-old portfolio loan who managed to refinance nearly $2 million through our program, moving away from traditional funding sources like Corvest. This not only provided them with liquidity but also repositioned their portfolio for greater stability and growth.

We’re Here to Help

At Ternus Lending, we’re more than just a lender; we’re your partner in growth. Our team of DSCR experts is expanding, and we’re equipped to support real estate investors across the nation. Whether you’re looking to manage a single property or a sprawling portfolio, our tailored solutions in Texas, Missouri, and Oklahoma, along with our nationwide services, ensure that your investments thrive even in uncertain times.

If you’re navigating the complexities of real estate investment and looking for a reliable lending partner, give us a call. Let’s discuss how we can support your goals with our innovative lending solutions.

by on Leave a Comment

Unlock Your Real Estate Potential: Ternus Lending’s Exclusive Loan Programs

In a rapidly changing real estate market, where rates are climbing and opportunities are fleeting, Ternus Lending stands as a beacon for investors. We’re not just another lending institution; we’re your strategic partner, committed to fueling your real estate ventures with our specialized loan offerings. Whether it’s flipping houses in Dallas-Fort Worth or expanding your rental portfolio across the nation, our financial solutions are crafted to propel you towards your investment goals.

Seize the Moment with 100% Financing for DFW Fix and Flips

TERNUS EXCLUSIVE: Dive into the dynamic Dallas-Fort Worth real estate scene with our unparalleled fix and flip financing. Offering up to 100% funding, our loans are designed for investors eager to transform properties into profitable sales. With closings in under three days, your next investment is just around the corner.

Minimal Work, Maximum Profit: Wholetail Loans in DFW

TERNUS EXCLUSIVE: Target properties needing just a touch-up before hitting the market again with our Wholetail loans. Exclusive to the DFW area, these loans close in less than a week, bridging the gap between wholesale and retail to maximize your investment efficiency.

Streamline Your Wholesale Deals: Transactional Funding in Texas

TERNUS EXCLUSIVE: Facilitate seamless transactions across Texas with our Transactional funding. Designed for wholesalers, this financing solution supports back-to-back closings within a week, ensuring a smooth and efficient investment journey.

Nationwide Reach: ARV Loans for Broad Horizons

Expanding your rehab project portfolio has never been easier. With only 10% down, our Fix and Flip loans are available across 45 states, offering competitive terms to suit a variety of investment strategies.

DSCR Loans: Long-term Investment Stability

Planning for the future? Our DSCR Long-term Rental Loans, attainable with up to 80% LTV, are your ticket to growing your rental portfolio. Available in 45 states, these loans are tailored for long-term investment success.

From Vision to Reality: Ground Up Construction Loans

Bring your construction projects to life with only 20% down. Our Ground Up Construction Loans are available in 45 states, offering the foundation you need to start building from the ground up.

Optimize Your Portfolio: Rental Loans Across 45 States

Maximize your rental portfolio’s potential with our Portfolio Rental Loans. Flexible and available across 45 states, these loans are designed to align with your unique investment strategy, offering a custom-fit solution to portfolio expansion.

At Ternus Lending, we’re more than lenders; we’re your partners in pursuit of investment excellence. Our comprehensive suite of loan programs is the key to unlocking your real estate potential. Explore our offerings, and let’s turn those opportunities into tangible successes. Dive into the world of Ternus Lending and discover how we can elevate your real estate ambitions. Start your journey today.

by on Leave a Comment

Accelerating Profits: How Fast Close Fix and Flip Loans are Changing the Game for Real Estate Investors

In the dynamic world of real estate investment, speed, and efficiency are not just virtues—they are necessities. Recognizing this, Ternus proudly introduces our latest breakthrough designed to transform your transaction process: the 3-Day Rapid Valuation Service for ARV Loans. This service complements our flagship 100% financing loans in Texas, offering a swift solution to property valuation that is crucial for timely decision-making and closing.

Revolutionizing Property Valuation

Offered at a competitive flat rate of $649, our 3-Day Rapid Valuation Service is engineered to expedite the valuation process – and get you to closing faster! Here’s a glimpse into how it enhances your investment strategy:

  • 48-Hour Interior Inspection & Photography: Our dedicated team performs a thorough interior inspection and captures detailed photographs within 48 hours, ensuring no critical detail is missed.
  • 72-Hour “Pre-View” Valuation Report: Within just 72 hours from the inspection, receive a comprehensive valuation report. This “Pre-View” gives you the early insights needed to make informed investment decisions confidently.
  • Expedited Process to Closing: By leveraging the accelerated pace of our valuation process, your loan swiftly moves through underwriting and closing, significantly shortening the overall timeline of your transaction.

Who Can Benefit?

Our service is tailored to meet the needs of a wide range of real estate investors, with eligibility criteria designed to ensure maximum benefit:

  • Property Type: Single Family, Townhomes, or Condos (2-4 Unit properties are excluded).
  • Transaction Type: Best suited for Purchase Transactions involving Light/Moderate Rehab or Stabilized Scenarios.
  • Financial Scope: Applies to projects with a Rehab Budget capped at $100k and a Loan Amount limit of $500k.
  • Investor Experience: A minimum of 3+ documented transactions is required to qualify for this service.
  • Geographical Availability: This service is available in a host of states including AZ, CA, CO, CT, DE, FL, GA, IA, IL, KY, LA, MA, MD, MI, NC, NJ, NY, OH, PA, SC, TX, VA, & WA, making it accessible to a broad investor base.

Maximizing Your Investment Potential

With the capability to secure up to 90% LTV of the Purchase Price plus 100% of the Renovation Costs (not exceeding 75% of the After Repair Value), Ternus ensures that your vision has the financial support it deserves. This competitive LTV ratio is a testament to our commitment to backing your projects and ambitions fully.

Why Wait?

In the fast-paced real estate market, delays can cost more than just time—they can impact profitability and investment success. With Ternus’ 3-Day Rapid Valuation Service, you’re not just speeding up a process; you’re unlocking the full potential of your real estate investments.

by on Leave a Comment

Unlocking Real Estate Opportunities with Transactional Funding

In the dynamic world of real estate investment, timing and efficiency are paramount. Ternus is at the forefront of offering innovative solutions with our exclusive Transactional Funding program, tailored for real estate wholesalers in Texas. This program is a game-changer, designed to support swift, double-closing transactions for single-family properties, ensuring you can capitalize on opportunities with unmatched speed.

Why Ternus’ Transactional Funding?

Our program stands out by offering:

  • Rapid Processing: Loans are structured to close within 24 hours, addressing the need for speed in today’s market.
  • Flexibility: With loans ranging from $50,000 to $500,000, we cater to projects of various scales.
  • Simplicity: Benefit from a fee-based structure, without the complications of interest rates, appraisals, or credit checks.

Designed for Your Success

Ternus’ Transactional Funding is not just about loans; it’s about empowering your investment strategy. By eliminating common barriers, we make it easier for you to execute deals and grow your portfolio.

Join the Fast Track to Real Estate Success

Ready to elevate your real estate transactions? Explore how our Transactional Funding can make a difference in your investment journey. With Ternus, you’re not just getting financing; you’re gaining a partner committed to your success.

Take the Next Step

Discover the full potential of your real estate investments with Ternus. Apply now and experience the difference that comprehensive support, competitive terms, and flexible financing solutions can make in your success. Let’s build your future, together.

by on Leave a Comment

Introducing Ternus: Revolutionizing Real Estate Investment Financing

Welcome to Ternus, where our mission is to empower real estate investors across the United States with innovative, flexible, and competitive financing solutions. As we introduce ourselves to the investment community, we’re excited to share our vision, our services, and how we’re set to change the landscape of real estate financing.

Our Mission

At Ternus, we understand the hurdles real estate investors face—from securing the necessary funding for new projects to finding a financial partner who truly understands their needs. Born from a desire to fill these gaps, Ternus is not just a lender; we’re your strategic partner in success. Our mission is simple: to provide real estate investors with the tools, resources, and financing they need to succeed in today’s competitive market.

Our Loan Programs

We offer a comprehensive suite of loan programs tailored to meet a wide range of investment strategies:

  • Fix and Flip Loans: For investors looking to renovate and resell properties, we offer competitive rates and terms that maximize your ROI.
  • Long-Term Rental Loans: Ideal for those expanding their portfolio of rental properties, our long-term rental loans provide the stability you need for sustained success.
  • New Construction Loans: From ground-up construction to development projects, we have the financing to bring your vision to life.
  • Portfolio Loans: Simplify your investment strategy by consolidating multiple properties into a single loan, with terms designed to grow your real estate empire.

Why Choose Ternus?

  • Investor-Centric Approach: We’re investors ourselves, which means we understand your needs, challenges, and goals.
  • Speed and Flexibility: Our streamlined application process ensures you get the funding you need, when you need it, with terms that work for you.
  • Nationwide Reach: With programs available in 45 states, we’re wherever your investment journey takes you.
  • Dedicated Support: Our team is here to guide you through the lending process, offering personalized service and expert advice every step of the way.

Join Us on Your Investment Journey

At Ternus, we’re more than just a lender—we’re a partner committed to helping you achieve your real estate investment goals. Whether you’re flipping your first property or expanding a diversified portfolio, we’re here to provide the financing solutions you need to succeed.

We invite you to explore our loan programs, learn more about our approach, and discover how Ternus can be a part of your real estate investment success story. Welcome to the future of real estate investment financing. Welcome to Ternus!

Visit our website to learn more, and let’s embark on this journey together: ternus.com/loan-programs.