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Effie Lending Programs

Your Bridge to Real Estate Financing

Effie Investor Lending
Programs

Fix & Flip

Finance up to 92.5% loan to cost
Single-family & multifamily properties
No Prepayment Penalties
Close in as little as 5 business days

Short-Term Rental

Finance up to 75% loan to value; 70% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Must be listed on Airbnb, VRBO, or similar

Rental Properties

Finance up to 80% loan to value; 75% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Minimum DSCR 0.75

Construction

Finance up to 85% loan to cost; 65% for the value after completion
Single-family, Townhomes, & ADUs
No Prepayment Penalties
Draws fund in as little as 1 business day

Bridge

Finance up to 75% loan to value; 65% for cash-out
Single-family & multifamily properties
No Prepayment Penalties
Multi-year bridge loan

Rental Portfolios

Finance up to 75% loan to value; 70% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Minimum of 3 properties

Bank Statement

Finance up to 80% loan to value; 75% for cash-out
30-year term with competitive pricing
Low or No Prepayment Penalty options
Qualify based on Bank Statement Analysis

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