Flexible Investment Funding Solutions

BNB Lending offers private financing solutions that provide the flexibility and speed you need to take advantage of investment opportunities. From property purchases to renovations and development projects, our private financing gives you fast approvals and flexible terms.

With fewer restrictions and a more personalized approach than traditional lenders, we ensure you get the funding you need without the hassle. Let us help you move quickly and confidently on your next investment.

Many STR investors achieve success through private financing, often involving one or more individuals funding part or all of the purchase. The advantage of private financing is the ability to negotiate flexible terms between parties, whether it’s for loan repayment or equity in the property.

 Asset Types

• Single Family Homes
• Townhomes
• Condos
• 2 - 4 Units (Duplex, Triplex, Quadplex)
• Multi-Family: 5 - 8 Units
• Mixed-Use: 2 - 8 Units
• Multi-Family: 9+ Unit

Loan Terms

Loan Sizes: $100k up to $3.5 Million (Larger loan sizes available on a case by case basis)

Purchase LTV: Up to 85%

Rate & Term Refinance LTV: Up to 80% 

Cash Out Refinance LTV: Up to 80%

Amortization: 30 Year % 40 Year Amortization Options Available

Term Lengths: 5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed

Floor Rate: 5.50% (subject to change daily due to market volatility)

Full Recourse with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)

DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.

Vesting: Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.

Average Time to Close: 14 to 35 days