Alpha Funding Solutions

Shrewsbury, New Jersey

Company
Guidelines

Fix & Flip / Fix & Hold Loans:

90% of Purchase

100% of Rehab

Rates starting at 9% & 2 points

No prior experience required

Up to 65% LTV based on After Repair Value
Up to 70% LTV Considered on Case by Case Basis
Minimum Down Payment 10% of Purchase Price
No Limits on Rehab Budget (in relation to purchase)
Minimum FICO 600
Certain Adverse Background History Considered
No Prior Experience Considered
No Documentation of Liquidity Required
No Tax Returns Required

Borrower Makes Monthly Interest Payment
Interest Charged on Money as Deployed

Additional loan programs at www.alphafunding.com

Interest Rates

8.99% to 12%

Loan Terms

12 to 12 months

Property Types

2-4 Units Residential
Mixed-Use
Multifamily
Residential Land
Single Family Residence

Max Loan-to-Purchase Price

Borrower Must Have Property Under Contract

Yes

Will Provide Proof of Funds Letter

Yes

Will Consider Lending on Purchase from Auction

Yes

Allowed Source of Borrower’s Equity

Own Cash
Partner
Equity in Another Investment Property
Equity in Primary Residence
Gap Lender
Family

Legal Fee

$1000 legal due at closing

Appraisal Fee

Appraisal is paid to appraisal company prior to closing

Fees which are mandatory for all new borrower clients

Legal Fee
Appraisal Fee

Fees which are paid to a third party company

Legal Fee
Appraisal Fee
Inspection Fee

Details and Requirements

Lien Position

1st

Credit Check Required

Yes

Minimum Credit Score Required

600

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only

Payment Structure Details

Interest charged only on money as deployed

Personal Guaranty (Recourse) Required

Always

Documentation Required

Credit Report
Financial Statements
Loan Application

Loan Purpose

Investment Acquisition

Property Occupancy

Vacant

Additional Details

Alpha Funding does not collect any fees until we close. If we don't close, the borrower doesn't pay anything. The only up front cost is the appraisal, which is paid directly to the appraisal company. At closing, the origination points, downpayment, legal fee, and commitment are due.

Alpha Funding Solutions, est 2007, has been providing investors with an easy, reliable, and affordable source of capital for over 10 years. Known as “the softer side of hard money”, the team at Alpha offers a consultative and holistic approach to each deal. On top of the best combination of rates and leverage in the industry, Alpha offers top notch customer service and support. In-house underwriting, construction management support, and a dedicated sales and service team are just a few of the factors that makes Alpha the go-to capital partner for over 1,000 happy borrowers.

With no up front fees, no charge for application or underwriting, and the promise that you pay nothing until closing, there’s nothing to lose and everything to gain. Show us your next deal and let us put an offer on the table for you. Experience the Alpha difference.

Alpha Funding Solutions’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$50,697,828

12mo Loan Count

Total Loan Volume

$110,851,622

Average Loan Size

$748,997

Loan Count by State (Past 12 Months)

NJ: 34, NY: 20, MO: 2, FL: 1

Data provided by

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Office Locations

Alpha Funding Solutions

1151 Broad Street, Suite 216, Shrewsbury, New Jersey 07702

Company Size (Number of Employees)

Year Established

2007

Primary Capital Source

Own Funds
Individual Investors
Hedge Funds
Life Insurance Companies
Friends & Family
Asset Management Companies
Fund to Fund

Alternative Capital Sources

Individual Investors

Loan Structure for Majority of Loans

Own Balance Sheet
Multiple Investor Fractionalized Note
Table Funding with Capital Partner
A/B Note Participation with Private Investor

Our Team

Mark Callazzo

CEO

David Hansel

President

Michael Strasser

VP of Operations

Kyle Altenua

Underwriter

Matthew Weber

Director of Business Development

Krystle Bailey

Sales & Marketing Coordinator

Victoria Forte

VP of Marketing

Priscilla Tort

Underwriter

Patrick Szymanski

CFO

Anthony Catalano

Construction Manager

Susan Fontano

Executive Administrative Assistant

Our minimum loan amount is $100,000

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