FAQ's

We offer a range of services tailored to meet your real estate investment needs. Our offerings include Fix & Flip, Buy & Hold and Refinance Private Money Loans. We also provide Proof of Funds Letters, Collateral DNA Reports and have high equity off market property leads available, so you are not competing with other investors in your area.

We are a lender and a broker. If for any reason we can’t provide the funding you need, then we have a large network of other lenders we work closely with and we can broker the funds to you. We like providing options to the investors we work with. So, they can have the best rates and the quickest closings available to them. If you’re in need of a 100% funding we also have split equity opportunities available to provide you up to a 100% funding for your purchase, rehab and closing costs. Regardless of the loan type there is always a 3% Broker fee, which is standard in the industry.

ABSOLUTELY 100%! Your privacy is of the utmost importance to us. Any information you provide is completely confidential! If you want to deal with a reliable, reputable company who will treat you with professionalism, understanding, and respect – YOU HAVE COME TO THE RIGHT PLACE!

It is based on the Asset you have under contract. Generally, we lend up to 90% of the purchase price and 90% of the rehab cost. Ask a loan officer how you can get up to a 100%

Our current business model is to provide loans to real estate investors for non-owner-occupied real estate investments. If you are in need of funding for a home you will be occupying, enquire within and we can connect you with one of our owner-occupied funding partners.

Yes. Ask a loan officer for more details. When joint venturing with us then we can indeed provide up to a 100% financing.

We will lend up to 100% towards your purchase, rehab, and closing costs when a joint venture is established between Intrinsic Funding and the borrower… up to 65% of the ARV. The only out-of-pocket costs will be the Loan Application, The Appraisal Cost and The First Draw which will be reimbursed on the 2nd draw, as long as you are below 65% of the ARV.

While ideally, the closing process can be completed within 14 days after receiving all required documentation, it’s important to note that several variables can impact this timeline. The primary factor often causing delays is the speed at which borrowers submit the necessary documents. Additionally, discrepancies between the appraised market value (MKV) or after repair value (ARV) and the value claimed by the borrower can extend the process. Lastly, any title issues associated with the property can also contribute to delays. Therefore, it’s prudent to anticipate potential delays and aim for a more realistic timeline, such as 30 days, whenever possible. Remember, if timing is a critical factor, it’s likely that there’s competition involved, and rushing through the process may not result in the best outcome. Feel free to bring your deal to us for discussion and evaluation.

The FHA Cap represents the maximum loan amount in the county the investment property is located in. To find the FHA Cap in the county where the investment property is located click on the link below:

FHA Mortgage Limits (hud.gov)

ARV stands for After-Repair Value. It is the estimated value of a property after completed renovations.

Asset-based lending (ABL) refers to a type of financing in which a borrower secures a loan by using their assets as collateral. Instead of focusing primarily on the borrower’s creditworthiness, Intrinsic Funding relies on the value of the real estate assets being used as security.

1. It’s Fast

Flipping homes is a time-sensitive business. Depending on how fast you submit the loan package items, you can have your loan in several days to several weeks. It can take one to three months to secure a loan with traditional financing.

2. It Looks at Collateral, Not You

Private money lenders are not interested in credit score. They are interested in how much value they see in the property since the property is the asset that is backing the loan.

3. It’s Everywhere

Private money lenders are often people who have funds parked in lower-yielding financial vehicles like CDs, stocks, or IRAs and are looking for newer ways to maximize their funds in higher yielding conduits, like lending on real estate.

4. It’s It’s Creative

With Private money, you can get funding on great deals that banks would normally shun. Promising investment properties that need repairs, make them unsuitable for most banks, but perfect for most Private money lenders.

It’s Flexible

Private money lenders don’t have the same strictly enforced guidelines to follow for their loan applications, so they are more willing to help creatively structure loans that work for the project.