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- Loan OptionsDo you want to purchase or refinance an investment rental property? When you partner with CIVIC, we can provide long-term financing for stabilized rental properties to generate cash flow.Our Construction Loans provide builders and investors the financing they need for ground-up construction and land acquisition.At Morgan Strauss, we understand that agriculture is the backbone of the economy. We’re here to help farmers , agribusinesses, and rural communities access the capital they need to grow, innovate, and sustain their operations.
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Residential
Do you want to purchase or refinance an investment rental property? When you partner with CIVIC, we can provide long-term financing for stabilized rental properties to generate cash flow.
Agriculture
At Morgan Strauss, we understand that agriculture is the backbone of the economy. We’re here to help farmers , agribusinesses, and rural communities access the capital they need to grow, innovate, and sustain their operations.
- Career
- Contact
- Login
Menu
- Career
- Contact
- Login
Menu
- Careers
- Login
- Loan OptionsDo you want to purchase or refinance an investment rental property? When you partner with CIVIC, we can provide long-term financing for stabilized rental properties to generate cash flow.Our Construction Loans provide builders and investors the financing they need for ground-up construction and land acquisition.At Morgan Strauss, we understand that agriculture is the backbone of the economy. We’re here to help farmers , agribusinesses, and rural communities access the capital they need to grow, innovate, and sustain their operations.
Services
Residential
Do you want to purchase or refinance an investment rental property? When you partner with CIVIC, we can provide long-term financing for stabilized rental properties to generate cash flow.
Agriculture
At Morgan Strauss, we understand that agriculture is the backbone of the economy. We’re here to help farmers , agribusinesses, and rural communities access the capital they need to grow, innovate, and sustain their operations.
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STARTING RATE 10.99%*
Commercial Loan
Our Construction Loans provide builders and investors the financing they
need for ground-up construction and land acquisition.
need for ground-up construction and land acquisition.
STARTING RATE 5.93%*
Residential
Do you want to purchase or refinance an investment rental property? When you partner with CIVIC, we can provide long-term financing for stabilized rental properties to generate cash flow.
Key Facts about
Commercial Loan
- Ideal for build-ready infill, tear down, and spec homes in urban
locales - Not for tract home projects or new subdivisions (10+ homes)
- Mid-Construction financing options available
- Loans available for single family and multi-family properties
- 12 or 24 month loan term depending on the project plan
- Experienced developers with 3+ similar past projects eligible for higher leverage
- Foreign Nationals eligible
Ground Up Program
Experienced Developer Program (3+ Similar Past Projects)
Maximum Loan to Cost
- Up To 75% Of The Lower Of Land Value Or Purchase
Price/60% If Unpermitted, Plus 100% Of Construction
- Max 85% Of Total Project Costs
- LTC Catch Up Draw To Raise Initial Advance To 75% At
Approval Of Required Plans/Permits Post-Closing
- Up To 75% Of The Lower Of Land Value Or Purchase Price/60% If
Unpermitted, Plus 100% Of Construction
- Max 90% Of Total Project Costs
- LTC Catch Up Draw To Raise Initial Advance To 75% At Approval Of Required Plans/Permits Post-Closing
Maximum Loan to ARV
Up To 75%
Up To 70%
Recourse
Full Recourse
Full Recourse
Experience
- Previous Real Estate Experience Required: 1-2 Ground Ups
- Gcs If Experience If Permits Tie To Ground Ups
- Guarantors With No Experience Permitted On A Case By
Case Basis
- Previous Real Estate Experience Required: 3+ Similar Ground-Up Builds + Heavy Rehabs With Expansion. Professional Deveopment / Builder.
- Guarantors With No Experience Permitted With Experienced Guarantor That Meets The Above Experience Criteria
Loan Amount
- Min: $50,000
- Max: $5,000,000
Experienced Developer Program (3+ Similar Past Projects)
Reserves/Escrows
Interest Reserve: Minimum 1 Month
- Interest Reserve:
- Minimum 1 Month
- Minimum 6 Months Full Boat IR Funded With Initial Loan
Amount For 90% LTC Loans
Term Length
12 Months, Up To 18 At Lender Discretion
12 Months, Up To 24 At Lender Discretion
Property Count
- Min: 1
- Max: 2
- Min: 1
- Max: 10
Permitted Property Types
Eligible:
- Non-Owner Occupied 1-4 Unit Residential
- Townhomes
- Condos
Ineligible:
- Mixed Use Properties
- 5+ Unit Multifamily Properties
- Condotels
- Co-Ops / Tics Commercial Property
- Log Homes
- Properties Subject To Oil And/Or Gas Leases
- Log Homes
- Operating Farms, Ranches, Or Orchards
- Vacation Or Seasonal Rentals
- Rural Properties
Eligible:
- Non-Owner Occupied 1-4 Unit Residential
- Townhomes
- Condos
Ineligible:
- Mixed Use Properties
- 5+ Unit Multifamily Properties
- Condotels
- Co-Ops / Tics Commercial Property
- Log Homes
- Properties Subject To Oil And/Or Gas Leases
- Log Homes
- Operating Farms, Ranches, Or Orchards
- Vacation Or Seasonal Rentals
- Rural Properties
Ground Up Program
Experienced Developer Program (3+ Similar Past Projects)
Maximum Loan to Cost
- Up To 75% Of The Lower Of Land Value Or Purchase
Price/60% If Unpermitted, Plus 100% Of Construction
- Max 85% Of Total Project Costs
- LTC Catch Up Draw To Raise Initial Advance To 75% At
Approval Of Required Plans/Permits Post-Closing
- Up To 75% Of The Lower Of Land Value Or Purchase Price/60% If
Unpermitted, Plus 100% Of Construction
- Max 90% Of Total Project Costs
- LTC Catch Up Draw To Raise Initial Advance To 75% At Approval Of Required Plans/Permits Post-Closing
Maximum Loan to ARV
Up To 75%
Up To 70%
Recourse
Full Recourse
Full Recourse
Experience
- Previous Real Estate Experience Required: 1-2 Ground Ups
- Gcs If Experience If Permits Tie To Ground Ups
- Guarantors With No Experience Permitted On A Case By
Case Basis
- Previous Real Estate Experience Required: 3+ Similar Ground-Up Builds + Heavy Rehabs With Expansion. Professional Deveopment / Builder.
- Guarantors With No Experience Permitted With Experienced Guarantor That Meets The Above Experience Criteria
Loan Amount
- Min: $50,000
- Max: $5,000,000
Experienced Developer Program (3+ Similar Past Projects)
Reserves/Escrows
Interest Reserve: Minimum 1 Month
- Interest Reserve:
- Minimum 1 Month
- Minimum 6 Months Full Boat IR Funded With Initial Loan
Amount For 90% LTC Loans
Term Length
12 Months, Up To 18 At Lender Discretion
12 Months, Up To 24 At Lender Discretion
Property Count
- Min: 1
- Max: 2
- Min: 1
- Max: 10
Permitted Property Types
Eligible:
- Non-Owner Occupied 1-4 Unit Residential
- Townhomes
- Condos
Ineligible:
- Mixed Use Properties
- 5+ Unit Multifamily Properties
- Condotels
- Co-Ops / Tics Commercial Property
- Log Homes
- Properties Subject To Oil And/Or Gas Leases
- Log Homes
- Operating Farms, Ranches, Or Orchards
- Vacation Or Seasonal Rentals
- Rural Properties
Eligible:
- Non-Owner Occupied 1-4 Unit Residential
- Townhomes
- Condos
Ineligible:
- Mixed Use Properties
- 5+ Unit Multifamily Properties
- Condotels
- Co-Ops / Tics Commercial Property
- Log Homes
- Properties Subject To Oil And/Or Gas Leases
- Log Homes
- Operating Farms, Ranches, Or Orchards
- Vacation Or Seasonal Rentals
- Rural Properties
LOCATIONS
Where We Operate
Explore our nationwide presence. We proudly serve clients
across the United States, offering tailored real estate
financing solutions in multiple states.
across the United States, offering tailored real estate
financing solutions in multiple states.
LOCATIONS
Where We Operate
Explore our nationwide presence. We proudly serve clients across the United States, offering tailored real estate financing solutions in multiple states.
- Currently Licensed
- Business Propose Loan
- No Lending
Looking for lending in a state not listed? WE do lend in other states on a case-by-case
scenario. Give us a call to see what we can do for you.
scenario. Give us a call to see what we can do for you.
- Currently Licensed
- Business Propose Loan
- No Lending
Looking for lending in a state not listed? WE do lend in other states on a case-by-case
scenario. Give us a call to see what we can do for you.
scenario. Give us a call to see what we can do for you.
- Currently Licensed
- Business Propose Loan
- No Lending
Looking for lending in a state not listed? WE do lend in other states on a case-by-case
scenario. Give us a call to see what we can do for you.
scenario. Give us a call to see what we can do for you.
KEY BENEFITS
What Makes this Product
Stand Out?
- Loans designed for developers and investors alike
- Option to include land acquisition financing
- Multiple draws available at borrower’s discretion
KEY FACTS
What Makes the Single Rental
Loan Unique?
- We treat your rental property like your own small business,
and we underwrite to the cash flow it will produce, not your
personal income. - We don’t limit the number of rental properties you can
own, so we give you maximum flexibility. - We provide personalized service throughout the entire
loan process – from quote to close.
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Stay ahead in the world of real estate finance with insights
and updates from Morgan Strauss. By subscribing to our newsletter.
By subscribing, you agree to the terms of our Privacy Policy.
Subscribe to Our Newsletter
Stay ahead in the world of real estate finance with insights and updates from Morgan Strauss. By subscribing to our newsletter.
Contact
- info@morganstrauss.com
- 915.952.3251
- 82-84 Berwick Street,
Soho, London, W1F 8TP.
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