Lending Criteria That Sets You Up to Win
Our Updated 5-Point Lending Criteria
Strong credit (680+) and a 20%+ down payment can override conditions 3–5 in certain cases.
1
Property Price at or Below FHA Loan Limit
2
Property Price at or Below FHA Loan Limit
3
Property Price at or Below FHA Loan Limit
4
Property Price at or Below FHA Loan Limit
5
Property Price at or Below FHA Loan Limit
The 5-Point Framework
Each criterion is strategically designed to maximize market demand, minimize risk, and accelerate deal flow.
Property Price at or Below FHA Loan Limit
Ensures properties qualify for government-backed financing, expanding buyer pool and reducing risk.
1–4 Unit Residential Properties
Easier to finance, manage, and resell with multiple exit strategies available.
5 Bedrooms or Fewer, Max 3 Bathrooms
Aligns with high-demand buyer preferences and faster turnover rates.
Lot Size Under 0.5 Acre
Lower maintenance and higher appeal to modern buyers prioritizing location.
Located in Established or Emerging High-Demand ZIP Codes
AI-powered market analysis ensures strong demand indicators and investment potential.
Why These Lending Criteria?
FHA Loan Limits
Properties priced at or below FHA caps are eligible for government-backed loans. This opens the buyer pool to first-time homeowners and underserved borrower segments, allowing you to sell faster and to a broader demographic.
1–4 Unit Properties
These are easier to finance, manage, and resell. You'll also have access to more exit options—whether selling to investors, homeowners, or using FHA-insured buyer pathways.
Smaller Lot Sizes
Less maintenance means more appeal. This is a growing preference across urban and suburban markets, especially for dual-income households and younger buyers prioritizing location over land.
Smaller Homes
Millennials (first-time buyers) and Boomers (downsizing) now make up over 60% of buyer demand. Homes under 2,000 square feet are seeing the fastest turnover rates.
High-Demand ZIP Codes
We incorporate AI-powered market scans to evaluate ZIP code-level demand indicators, including affordability index, school scores, crime rates, and inventory turnover.
Funding Snapshot: Fix & Flip Loans
Loan Type
Non-Owner Occupied 1–4 Unit Residential
Purpose
Acquisition, Refinance, Rehab, Cash-Out
Leverage
Up to 90% Purchase, 100% Rehab (max 90% LTC)
ARV Limit
Max 75% After Repair Value
Refinance Limit
Up to 65% Loan to Value
Rates
8%–15%
Term
6–24 Months
Why REI Private Money Lending?
Our motto is “Investing Made Smart.” We combine traditional real estate wisdom with modern market analytics.
Demographic Forecasts
Data-driven insights into buyer behavior and market trends
AI-Driven Property Scoring
Advanced algorithms identify high-potential deals
Off-Market Deal Intelligence
Access to exclusive investment opportunities
ESG-Compliant Financing
Sustainable development financing available upon request
Whether you’re a first-time investor or scaling your portfolio, we’re your partner in intelligent real estate investing.
Let's Grow Together
Partnering with REI Private Money Lending isn’t just about bonuses—it’s about building a mutually beneficial relationship where your network gets the funding they need, and you get rewarded for opening the door.