This is Private Lender Link, Inc.’s test profile.

PLL Lending is a true asset-based lender offering flexible short-term financing that gives investors the power to fund their real estate opportunities hassle-free and scale their portfolio. Our lending is mainly for single family homes in urban/suburban areas, but we will consider multifamily with up to 10 units.

NO Credit Checks | NO Appraisals | NO Prepayment Penalties | NO Junk Fees

  • Bridge Loans
    • Purchase or Refinance a rental property
    • Up to 70% LTP/LTV
  • Rehab Fix & Flip or Fix & Rent
    • Up to 90% of purchase, 100% of rehab, 75% ARV
    • Prefer to stay under 70% ARV but will make exceptions
    • 10%+ down payment required
  • Ground-Up Construction
    • Funding up to 85% of shovel-ready land plus 100% of vertical costs
    • NO land development

Please note: We do NOT offer loans for owner-occupied homes or rural properties.

Property Geographic Area Details
California, Georgia, Florida, Massachusetts, Maryland, New York, Texas, Virginia, Washington DC
Loan Amounts
$200,000 to $10,000,000
Interest Rates
8.99% to 12.99%
Loan Terms
1 months to 360 months
Origination Fees
0.5% to 1.5%
Lien Position
1st, 2nd, 3rd
Collateral Types
  • Residential Property
  • Commercial Property

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 75%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Max LTP Land: 60%
Max CLTP Mezzanine: 85%
Max CLTP Pref Equity: 90%
Purchase Long-Term
Max LTP Residential: 75%
Max LTP Multifamily: 80%
Max LTP Commercial: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max CLTV 2nd Lien Residential: 70%
Max LTV 1st Lien Multifamily: 80%
Max CLTV 2nd Lien Multifamily: 77%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 63%
Max LTV 1st Lien Land: 55%
Max CLTV 2nd Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max CLTV 2nd Lien Residential: 70%
Max LTV 1st Lien Multifamily: 80%
Max CLTV 2nd Lien Multifamily: 77%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 63%
Max LTV 1st Lien Land: 55%
Max CLTV 2nd Lien Land: 50%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 80%
Max LTP Commercial: 70%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 100%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 85%
Max LTC: 100%
Max LTARV: 80%
Commercial Value-Add
Max LTP: 80%
Max LTC: 100%
Max LTARV: 65%
Residential Construction
Max LTP Land: 65%
Max LTC: 80%
Max LTCV: 75%
Multifamily Construction
Max LTP Land: 60%
Max LTC: 90%
Max LTCV: 75%
Commercial Construction
Max LTP Land: 50%
Max LTC: 75%
Max LTCV: 65%

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Car Wash
  • Child Day Care
  • Church
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Covered Land
  • Gas Station
  • Healthcare
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Parking Garage
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Residential Land
  • Retail
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Vehicle Parking
  • Winery

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • 3rd Mortgage Equity Cash Out
  • Cannabis Use Properties
  • Condo Conversion
  • Debtor in Possession
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Land Development
  • Note Purchase
  • Partner Buyout
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Residential Non-Prime
  • Residential Short-Term Rental
  • Reverse 1031 Exchange
  • TIC Tenancy-in-Common
  • Transactional Funding
  • Vacation Rental

Junior Lien Loan Amounts

$50,000 to $2,000,000

Junior Lien Interest Rates

8% to 12%

Junior Lien Loan-to-Value

85%

Junior Lien Loan-to-Cost

85%

Junior Lien Origination Fees

2% to 5%

We Fund Junior Position Loans

Often

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Mezzanine
  • Preferred Equity
We hardly ever fund junior liens.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Covered Land

Will Consider Land That is NOT Entitled

yes

Existing Land Improvements Required

  • Street Access

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Mezzanine
  • Preferred Equity
We hardly ever fund junior liens.
We only consider short-term rentals in major metropolitan areas. We don't like rural vacation rental markets.

Minimum Loan Amount

$100,000

Maximum Loan Amount

$2,000,000

Minimum Interest Rate

7%

Maximum Interest Rate

9%

Maximum Origination Fee

3%

Minimum Loan Term

36 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

75%

Maximum Loan-To-Purchase

80%

Seasoning Time

1 months

Minimum Debt Service Coverage Ratio

1.20

Minimum Credit Score

680

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

2

Maximum Number of Properties

10

Minimum Property Value

$125,000
We offer long-term loans for multifamily properties up to 5 years. If you don't meet the seasoning requirement, we can offer a bridge loan and then refinance you into the long-term loan.

Minimum Loan Amount

$300,000

Maximum Loan Amount

$5,000,000

Minimum Interest Rate

7%

Maximum Interest Rate

9%

Minimum Origination Fee

1%

Maximum Origination Fee

3%

Minimum Loan Term

24 months

Maximum Loan Term

60 months

Seasoning Time

4 months

Minimum Debt Service Coverage Ratio

1.25

Minimum Credit Score

700

Maximum Number of Units

30
We consider retail, industrial, mixed-use and office properties. No special purpose commercial real estate.

Minimum Loan Amount

$250,000

Maximum Loan Amount

$3,000,000

Minimum Interest Rate

8%

Maximum Interest Rate

10%

Minimum Origination Fee

1%

Maximum Origination Fee

3%

Minimum Loan Term

36 months

Maximum Loan Term

240 months

Seasoning Time

3 months

Minimum Debt Service Coverage Ratio

1.20

Minimum Credit Score

700

Maximum Number of Units

10

Will lend on owner-user properties

Yes

Site Visit Fee

If applicable. We don't do site visits for every deal.

Processing Fee

$995 for most loans

Fees which are mandatory for all new borrower clients

  • Processing Fee

Fees which are paid to a third party company

  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Inspection Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Pre Payment Penalty

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

700

Credit Check Description

We care about credit. We may consider scores as low as 675 if the LTV is low. If you want to push the leverage limits, you must have an excellent credit score.

Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

PLL Lending Testimonials

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This is not a real profile.

License

CA DRE Broker Lic. 02057741

Company Size (Number of Employees)

4

Year Established

2010

Associations

  • California Mortgage Association - Committee Member
  • NAMB
  • BAMA

Office Locations

Silicon Valley Headquarters
1963 O'Toole Way, San Jose, California 95131

Nevada Office
1001 Spring Mountain Road, Suite 205, Las Vegas, NV 85356

Primary Capital Source
  • Own Funds
  • Family Offices
  • Life Insurance Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • One Investor One Loan
  • Multiple Investor Fractionalized Note
Percentage of Loans Secured by Commercial Property

100%

Percentage of Loans Secured by Residential Property

100%

Total Number of Loans Funded to Date

200

Total Loan Volume Funded to Date

$100,000,000

Our Team

Rocky Butani

CEO

CA DRE Broker Lic. - 01893537

PLL Admin

Office Manager

Contact PLL Lending

PLL Lending pays us to be listed, so there is no fee to connect with them directly.

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Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$200,000

What We Do

  • Bridge, Rehab, Long-Term Loans
  • Residential, Multifamily, CRE
  • Asset-Based Lending (no credit check)
  • In-House Valuation (no appraisal)

Not Available

  • NO 100% Financing
  • NO Rural Areas
  • NO Owner-Occupied homes
  • NO Specialty Properties

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