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RTO & FINANCING

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RTO- Credit Check

A credit check will only be necessary for buildings with an RTO amount over $12,000 a  credit score of 600 or higher needed to proceed. 

 

  •  The maximum amount able to be accepted through RTO is $20,000. 

  • If the building is over $20,000, the difference would have to be paid, aside from the down payment. 

  • Renter are eligible for contracts up to 48 month, providing a signed landlord release from the property owner. 

  • Owner are elegible for contracts up to 60 month

  • Customers must have a minimum income of $1,000 per month. 

  • 0- Payment Down for orders $12,000 or less 

  • NO Minimum RTO for 6 and 12 month contract length

Home Loan Investment

FHA Title 1 and Advantage Loans give homeowners an opportunity to quickly and affordably finance barns, garages, workshops, horse barns, metal buildings, agricultural buildings and much more!

Home Improvement Lending:

  • No equity or appraisal required.

  • Loan decisions for pre-qualification within 24-48 hours.

  • Obtain up to $25,000 FHA Title 1 Loan for a single-family home (subject to credit approval)

  • Obtain up to an additional $75,000 with our HLIB Project Specific Advantage Loan (The HLIB Project Specific Advantage Loan can only be offered in conjunction with the FHA Title 1 Loan and must be used for outdoor structure type projects. Subject to credit approva)

  • Low fixed rates Flexible payment terms

  • No prepayment penalties

  • 640 Score required for  up to $25k, 640-690 can get up to $50k, 690 and above could be eligible for up to $100k

  • Interest rates are between 5.95% and 12.5% depending on score. 

Finance- Credit Check

For traditional financing, a credit score of 650 or higher is needed. Financing available from $1,200 to $20,000. APR is 9.99% & Up. 

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24 – 60 Month Terms available on all approvals. No Early Payoff Penalty.

RTO- No Credit Check

  • RTO with no credit check offers 24 – 60 Month Terms available on all approvals.

  • Up to $20,000 structures

  • Customer or Co-buyer Must be listed as property owner

  • No proof of Income

  • No payments until 30 days after installation. 

  • Early Payoff and Upfront payoff available.

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