Build Value with Renovation Lending

The ALLIANCE Renovation Loan allows borrowers to finance a property based on its projected value after renovations are completed, using a detailed renovation budget. At closing, the full renovation budget is held in the investor’s account, with reimbursements issued only for completed work specified in the budget.

Long Term Investment Properties:

• Up to 80% financing of the after repaired appraised value
• Loan placed on a fixed term
• Monthly payments include principal and interest
• Commercial Owner & Non-Owner Occupied
• Rental Investment Property
• 1-4 Single Family Homes & Commercial Properties

example

$500,000

$400,000 (Loan Amount)

$330,000

$75,000

$5,000 (The borrower is out of pocket $5,000 + closing costs.)

Flip Properties:

1. Up to 75% financing of the after repaired appraised value
2. 12-month interest-only loan term
3. Monthly interest payments based on the current balance
4. Commercial Owner & Non-Owner Occupied
5. Rental Investment Property
6. 1-4 Single Family Homes & Commercial Properties

example

$500,000

$375,000 (Loan Amount)

$330,000

$50,000

$5,000 (The borrower is out of pocket $5,000 + closing costs.)

The examples provided are for illustrative purposes only and do not represent a commitment to lend. Actual loan terms, including financing amounts, loan-to-value (LTV) ratios, and repayment structures, are subject to credit approval, underwriting guidelines, and property appraisal. “Up to” financing percentages represent the maximum possible financing and may vary based on borrower qualifications, property type, occupancy status, and market conditions. LTV calculations are based on the appraised after-repair value (ARV), and appraisals must meet credit union and regulatory standards. Please contact us for a personalized assessment of your financing options.