Luxury Residential Loans
Financing for investment properties across distinctive markets, delivered through independent brands with deep local perspective. The underwriting, capital, and servicing sit with WellSpent.
Multiple landscapes, one credit standard.
Beach | House
Investment properties in prime coastal U.S. markets.
Lake | House
Investment properties in prime lakefront U.S. markets.
Mountain | House
Investment properties in prime alpine U.S. markets.
Desert | House
Investment properties in prime desert U.S. markets.
City | House
Investment properties in prime urban U.S. markets.
Ranch | House
Investment properties in prime ranch-country U.S. markets.
Vine | House
Investment properties in prime wine-country U.S. markets.
Island | House
Investment properties in prime island U.S. markets.
Lending Parameters
Loan Programs
Bridge, Value Add, and New Construction
Loan Size
$2,000,000 to $15,000,000; exceptions considered
Geography
Nationwide with focus on luxury markets
Asset Types
Luxury Single Family Residential
LTV–AIV
Up to 75%
LTC
Up to 75% (bridge) and 85% (construction); up to 90% for institutional-grade sponsors
LTV–ARV
Up to 75%
FICO
680 minimum; exceptions considered to 650
Loan Term
6 to 24 months; extension options available
Contact us
Tell us about the property, the business plan, and where you want to take it.