Stratton Equities is the leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed.
Our hard money and direct private money loan programs support the following investment projects:
Property Geographic Area Details
- 2-4 Units Residential
- Single Family Residence
- Storage Facility
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Long-Term Rental
Specialty Loan Types
- Residential Long-Term Rental
- Foreclosure Bailout
- Residential Non-Prime
Max Loan-to-Purchase Price90%
Borrower Must Have Property Under Contractyes
Will Provide Proof of Funds Letterno
Will Consider Lending on Purchase from Auctionno
Allowed Source of Borrower’s Equity
- Own Cash
- Equity in Subject Property
Minimum Number of Value-Add Projects Completed by Borrower0
Will Provide Funds for Renovation Costsyes
Max LTC for Renovation Costs100%
Interest Charged for Renovation CostsOnly on Funds Drawn
Typical Number of Days for Funds Draw0
Maximum After Repair Value75.00%
Minimum Loan Amount$100,000
Maximum Loan Amount$5,000,000
Minimum Interest Rate5%
Maximum Interest Rate7.99%
Maximum Origination Fee4%
Minimum Loan Term36 months
Maximum Loan Term360 months
Minimum Debt Service Coverage Ratio1.10
Will Lend on a Portfolio of RentalsYes
Minimum Number of Properties3
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
- Title Fee
- Credit Report Fee
- Background Check Fee
Stratton Equities is the leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team of professional loan officers, have a background in real estate investing as well as the extensive knowledge needed to work with various loans and property types. We understand the importance of getting a deal approved quickly and efficiently.
INTRODUCTION TO STRATTON EQUITIES’ CEO – MICHAEL MIKHAIL
Michael Mikhail is the Founder and CEO of Stratton Equities, the nation’s leading hard money and NON-QM lender to national real estate investors, with the largest variety of mortgage loans and programs nationwide.
Having launched Stratton Equities in early 2017, Michael has always been an entrepreneur and innovator in the real estate market, purchasing his first home at 19 utilizing hard money.
A serial entrepreneur with a foresight for business opportunities, Michael had a slew of small businesses prior to launching Stratton Equities. One of his most prolific ventures was a car wash connected to a gym he was affiliated with in Florida between 2001-2002.
Michael officially joined the mortgage industry in 2003 and decided to travel to explore his options globally. After traveling to 19 countries in 5 years, Michael knew two things; he wanted to start his own business and launch it in the United States. He knew that moving back to the states was the best place he could start something small and grow it into something infinite.
In 2017, Michael noticed how the mortgage industry had transformed after the regulations presented from 2008-2012, and knew it was time to set out something on his own, thus creating Stratton Equities.
Under Michael’s leadership, Stratton Equities has grown into one of the biggest leaders in the Mortgage and Real Estate industry across genres and platforms.
Office Locations28 Bloomfield Avenue, Pine Brook, NJ 07058
Our Minimum Loan Amount Is
What We Do
- Residential & Commercial Properties
- Bridge, Rehab, Flip, Long-Term Rental
- Up to 90% LTC for Rehab Projects
- 10%+ Cash Required for Flip Purchase
- NO 100% Financing
- NO Owner-Occupied Homes
- NO Land Loans
- NO Ground-Up Construction
- No Rural Areas
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