Direct Private Lender for Multifamily & Residential Investment Properties
Conventus is a direct private mortgage lender that takes pride in knowing our customers and solving their financing needs. Obtaining a loan from Conventus is straightforward and fast. Most loans get funded in 5 business days. We match your borrowing goals to loan terms that are ideally suited for your project. Two core themes make up the thrust of our business model, and that is very competitive pricing as well as solid and responsive customer service.
- Fast And Responsive Service
- Customized Lending Products To Meet Your Individual Needs
- 5-10 Day Close (Bridge Loans); 30-45 Day Close (Long Term Rental)
- Flexibility To Borrow Against One Or Multiple Properties
- Transparency And Integrity
- No Hidden Fees
Please note: We do NOT offer loans for land, commercial properties or owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
Property Types
- 2-4 Units Residential
- Commercial Condominium
- Commercial Land
- Condominium
- Industrial
- Manufactured Home
- Mixed-Use
- Multifamily
- Portfolio of Residential Properties
- Residential Land
- Retail
- Single Family Residence
- Storage Facility
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Long-Term Rental
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- 3rd Mortgage Equity Cash Out
- Condo Conversion
- Land Development
- Luxury Homes
- Partner Buyout
- Primary Residence Business Purpose Cash Out
- Residential Long-Term Rental
- Residential Non-Prime
- Residential Short-Term Rental
- Reverse 1031 Exchange
- Subdivisions
- TIC Tenancy-in-Common
- Transactional Funding
- Vacation Rental
We Fund Junior Position Loans
Rarely
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
- Covered Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
60%Max LTC for Land Acquisition
60%Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
7Maximum After Repair Value
70%Minimum Loan Amount
$75,000Maximum Loan Amount
$2,000,000Minimum Interest Rate
6.75%Maximum Interest Rate
8.99%Maximum Origination Fee
4%Minimum Loan Term
360 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
75%Maximum Loan-To-Purchase
75%Minimum Debt Service Coverage Ratio
1.00Minimum Credit Score
660Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
2Maximum Number of Properties
15Minimum Property Value
$100,000Processing Fee
Typically around $1,500 for most loans
Minimum Origination Fee Amount
$1,500
Fees which are mandatory for all new borrower clients
- Processing Fee
- Renovation or Construction Funds Draw Fee
Fees which are paid to a third party company
- Legal Fee
- Escrow Fee
- Title Fee
Contact Conventus
Stay Informed About Private Lending
Since 2015, Conventus has successfully originated and funded over $1 billion in private money real estate loans.
Conventus Holdings Corporation (CHC) was started in 2015 by Keith M. Tomao after his 20-year career on Wall Street where he was most recently a Managing Director at Goldman Sachs in the Fixed Income Division. Not long after starting CHC, Keith partnered with longtime friend, Glenn Tatham, a corporate finance professional as well as skilled LNG entrepreneur. Through their combined institutional background and extensive understanding of the market, CHC was created to capture an opportunity in single family and multifamily bridge lending, a $25+ billion high yield and short duration debt market. Over the ensuing years, CHC became a top five loan origination company through the collective effort our diligent professionals and their diverse backgrounds and experience. Furthermore, CHC’s success is grounded through the marriage of an investment company, mortgage origination and funding company coupled with a strong focus on quick customer service, fair and competitive pricing and hiring exceptionally talented people.
Office Locations
111 Potrero Avenue, San Francisco, California 94103Our Team
Keith Tomao
CEO & CIO
Brenda Chen
Head of Sales
Lindsey
Loan Officer
Contact Conventus
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Conventus by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$150,000
What We Do
- Residential & Multifamily Properties
- Short-Term and Long-Term Financing
- 15%+ Cash Required for Rehab Purchase
- 2nd Mortgage Cash Out up to 65% CLTV
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes