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Stratton Equities

Stratton Equities, based in River Edge, NJ, is a prominent nationwide private money and NON-QM mortgage lender. They offer a wide range of loan programs, including fix-and-flip, hard money, and commercial loans, with competitive terms and a focus on fast funding for real estate investments across the U.S.

Stratton Equities is the Leading Nationwide Direct Private Money & NON-QM Mortgage Lender that specializes in fast and flexible lending processes. We have the largest library of private money and NON-QM nationwide loan programs under one roof. Our team is owned and operated by leading industry professionals providing a reliable and knowledgeable team to help mortgage borrowers succeed.

Our hard money and direct private money loan programs support the following investment projects:

  • NO-Doc Loans
  • Fix and Flip Loans
  • Soft Money Loans
  • Cash Out – Refinance
  • DSCR Loans
  • Fixed Commercial Loans
  • Hard Money Loans
  • Commercial Bridge Loans
  • Bridge Loans
  • Stated Income/No-Income Verification Loans
  • Rental Loans
  • Blanket Loans
  • Fixed Rental Programs
  • Multi-Family Loan
Common Loan Scenarios
  • Residential & Commercial Properties
  • Bridge, Rehab, Flip, Long-Term Rental
  • Up to 90% LTC for Rehab Projects
  • 10%+ Cash Required for Flip Purchase
Scenarios Not Considered
  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO Land Loans
  • NO Ground-Up Construction
  • No Rural Areas

Details and Requirements

Property Geographic Area Details

Nationwide except NV, ND, SD, VT

Loan Amounts

$100,000 to $5,000,000

Interest Rates

5% to 9.99%

Origination Fees

0% to 5%

Loan Terms

3 to 360 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

Short-term loans don't require good credit. Long-term rental loans require at least 650 FICO score.

Minimum Credit Score Required

400

Prepayment Penalty

yes

Prepayment Penalty Details

Short-term bridge loans may not have a pre-payment penalty. Long-term loans will have a pre-payment penalty.

Typical Closing Time (Days)

14

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • LLC
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

yes

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

no

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Additional Details

Our in-house processing fees typically total around $1,500.

Stratton Equities’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$106,815,899

12mo Loan Count

186

Total Loan Volume

$126,596,164

Average Loan Size

$467,145

Loan Count by State (Past 12 Months)
CA: 33, TX: 15, NJ: 43, NC: 43, TN: 8, PA: 13, NY: 4, FL: 10, IL: 15, AZ: 2
Data provided by Elementix | Disclaimer

Stratton Equities is the Leading Nationwide Direct Private Money & NON-QM Mortgage Lender that specializes in fast and flexible lending processes. With the largest library of Private Money and NON-QM Mortgage programs under one roof. Our team is owned and operated by leading industry professionals providing a reliable and knowledgeable team to help real estate investors succeed. 

INTRODUCTION TO STRATTON EQUITIES’ CEO – MICHAEL MIKHAIL

Mikhail joined the mortgage industry in 2003. He excelled as a mortgage loan officer and a sales manager. His entrepreneurial spirit took him around the world, traveling to 19 countries in five years, where he faced the lowest of lows life has to offer. Michael hit rock bottom – becoming homeless in a foreign country. Mikhail borrowed $1000 and created his own company Stratton Equities- The Leading Nationwide Private Money & NON-QM Mortgage Lender for real estate investors.

Stratton Equities has become a household name in the private lending industry and are on track to fund upwards of $1.2 Billion in closed loan volume.

Office Locations

Stratton Equities
PO BOX 4262, River Edge, NJ 07661

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Info Our minimum loan amount is $100,000

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