Loan Requirements

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How to Get Real Estate Loans in Texas

Securing financing for your next investment can be complex, but the right lending partner makes the process easy. At Private Paper Lending, we combine market expertise with clear requirements to deliver capital quickly and with certainty. Whether to grow your portfolio or for a first acquisition, our focus is on providing investors with reliable structures and the confidence to move on opportunities quickly.
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Why Following Loan Requirements Matters

  • Legal Compliance: Failing to comply with requirements can result in legal penalties, rising interest rates, or loan invalidations.
  • Protection: By adhering to requirements, you can protect yourself from unexpected fees and unfavorable conditions.
  • Reputation: Not following rules can damage your reputation and limit future loan options and borrowing capabilities.

What Do I Need?

Requirements for Attaining Our Private Loans

Asset-Based, First-Lien Position

All our loans are backed by the borrower’s assets, and we maintain the primary claim over them.

Up to 70% LTV

The loan-to-value ratio (LTV) must not exceed 70% of the asset’s appraised value. This maximum limit balances out risks for the lender and borrower.

Investment/LLC Lending Only

We focus specifically on investors, small business owners, and individuals wanting financing for investment properties and Limited Liability Companies (LLC).

Minimum of $250K

To start, the borrower must put down at least $250K in assets. Doing so builds trust and minimizes risk.

6 to 24-Month Loan Terms

All borrowers must agree to loan terms between 6 and 24 months to adapt to changing rates and market conditions. Can include extensions.

Credit Check Required

All potential borrowers must undergo a credit check to assess their financial history and default risks.

Do I Qualify for a Loan?

Do you still have questions or concerns about getting pre-approval or qualifying for a real estate loan? If so, contact the team at Private Paper Lending. We will gladly provide you with any further assistance you need so you can move towards the pre-approval process. Once you’ve been approved, we can guide you through our loan types and explain the pros and cons of each, enabling you to make wise and strategic decisions for your future.

Get the Financial Support You Deserve Today

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