Loan Length
"At 42 Solutions, we specialize in 6 and 12-month loan terms, which are our primary focus. However, we understand that every borrower's needs are unique. That's why we offer the flexibility to customize the loan length based on your specific requirements. Your financial goals and comfort are at the forefront of our lending approach, ensuring you get the perfect timeline for your needs. Additionally, rest assured that we're open to extensions on a case-by-case basis, providing you with even more peace of mind.
Standard Loans
Our standard loans for residential and small multifamily properties offer a private financing option that helps borrowers purchase or refinance residential properties.
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We prefer a 25-30% down payment, as this will provide you with better overall terms. However, depending on the borrower's strategy and property, we can consider a lower LTV (even $0 down) on a deal-by-deal basis. These loans are secured by the property.
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This loan type will help the borrower who needs to close fast for various reasons and plans to refinance into a permanent loan within 12 months or less, depending on loan terms.
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​For a personalized consultation and to discuss how we can tailor our services to meet your specific needs, we invite you to submit a loan application or contact us directly. Let's explore the possibilities together.
Rehab Loans
Our rehab loans cater to those looking to transform distressed residential properties into profitable assets. At 42 Solutions, we understand that each rehab project is unique.
While we typically prefer a 25-30% down payment, we also recognize that your project's requirements may vary. That's why we're open to considering lower Loan-to-Value (LTV) ratios, including even $0 down, on a deal-by-deal basis. These loans are secured by the property.
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Our rehab loans are designed for borrowers who need fast financing to kickstart their renovation projects. You have the flexibility to refinance into a permanent loan within 12 months or less, depending on your project's specific terms. Let us be your financial partner in turning distressed properties into valuable investments.
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​For a personalized consultation and to discuss how we can tailor our services to meet your specific needs, we invite you to submit a loan application or contact us directly. Let's explore the possibilities together.
First Position Loans
Our first-position loans, starting at 12% with 1 point, are available for residential and small multifamily properties. We prefer a 25-30% down payment on these loans, but depending on the borrower, their strategy, and the property, we can consider lower down payments on a deal-by-deal basis. This flexibility is part of our commitment to meeting your unique financing needs.
This loan type is for the borrower who wants 42 Solutions to fund the purchase of the property and the potential renovations of that property as well. In this case, the borrower plans to refinance into a permanent loan within 12 months or less, depending on the specific terms of the loan.
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​For a personalized consultation and to discuss how we can tailor our services to meet your specific needs, we invite you to submit a loan application or contact us directly. Let's explore the possibilities together.
Second Position Loans
Embark on property expansions with our second position loans, starting at 16% with 2 points. Tailored for residential, small multifamily, and small commercial projects, our financing solutions support your growth aspirations and pave the way to success.
This loan type is for the borrower who likely already has a loan on said property with a lender who is in first position and said borrower needs a second position loan to fund the rehab or any unforeseen expenses.
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​For a personalized consultation and to discuss how we can tailor our services to meet your specific needs, we invite you to submit a loan application or contact us directly. Let's explore the possibilities together.
Transparent and Honest Communication
We pride ourselves on providing transparent and honest communication with our clients. You can trust us to be upfront about our terms and conditions, and we will work with you to find the best solution for your financial needs. Click here to learn more about our services.
Why Choose 42 Solutions?
We are a private money lender that offers diverse solutions to select real estate investors. Being experienced in real estate investing allows us to speak your language and get to a yes fast. Our lending process is primarily based on the equity in your property, so we can offer customized solutions to fit your unique financial needs. Our team is dedicated to providing exceptional service with speed and integrity.