The business of securing and rehabbing properties is tough enough without an overly complicated lending process.  Overflow Capital Group simplifies the lending process by concentrating on what is actually needed from our borrowers and because we are a direct lender Overflow Capital Group can make decisions and fund quickly.  We understand that for you to be successful you must close purchases fast and efficiently.  All we need to start the loan process is the subject property address and a few facts allowing us to complete a preliminary analysis of the project to determine the funds required to make the loan equitable for everyone.  Once we determine that the loan is equitable for all parties a Letter of Intent will be sent outlining the terms and conditions, costs and any additional information required.  Once the signed Letter of Intent is returned with the requested information a property visit will be scheduled with a typical funding time frame of 14 days after receiving all requested information.
Types of Loans
  • Purchase
  • Short Sales
  • REO's
  • Cash Out Refinancing
Lending Criteria
  • Max LTV is 65% of after repair value (ARV)
  • Fund control 
  • 14 Days to fund 
  • All properties visited
  • Interest rates from 12% to 18%
  • 6-24 month terms 
  • First and Second trust deeds
  • Minimum 15% cash equity
  • 3-12 Months of interest reserves
  • No prepayment penalties
Items to Close
  • Signed LOI
  • Purchase Contract
  • Rehab List
  • Preliminary Title 
  • Non Owner Occupied Form
  • Credit Report 
  • Loan App 
  • Site Visit 
  • Exit Strategy 
  • Proof of Insurance 
  • Highlights/Pro Forma
Let's Discuss Your Options
We are pragmatic, fast and know what is needed to help you secure properties. If you do one loan with us the chances are you will do many more.  We strive to make the financing process efficient and effective. We want to help you succeed so you will come back and use us again and again. Give us a call or fill in our Contact Sheet to discuss your opportunity.