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Buy & Hold Loans

Private Money Lending

About This Loan

Real estate investors typically use “buy and hold” private money loans to purchase, rehab, and then refinance the property. These loans are ideal for financing properties in poor condition that a bank typically would not approve.
Max Loan Amount:1,250,000
Terms (in months):12 Months
Average Interest:10.5%

The ‘buy and hold’ strategy involves picking up an undervalued or foreclosed property with the intent of selling it once the value has appreciated. In the meantime, it may make sense to renovate the property and open it to renters. Because you need cash to purchase foreclosures, buy and hold private money loans are a great way to secure the financing you need.

We lend to real estate professionals interested in buying and holding properties for long-term cash flow. If you’re buying distressed properties and fixing them up, we can design our loans to maximize your options. We see the value in the ‘buy and hold’ strategy and will design the loan that fits your needs. 

Our underwriting guidelines focus on equity, not borrower credit. We accept borrowers with low credit scores, prior bankruptcies, and foreclosures, so if a bank turns you down, call us!

The Highlights

Our buy and hold loans on residential real estate have been a great source of success for many of Aegis Funding’s top clients. With traditional lenders limited to lending on owner-occupied or primary residences, Aegis Funding is the top private money lender in the market on non-owner-occupied residential properties.

  • Loan Amount 2,500,000 - 5,500,000
  • Loan-To-Value (LTV) Max 75% of the (AVR)
  • No Prepayment Penalties
  • Rates 8.9% to 13%
  • Loan Points 2 to 3

Our Process

1. Loan Scenario

Tell us what you need the money for and what you have to offer.

2. Pre-Approval Letter

Based on your loan scenario we can provide you with a pre-qualification letter within as little as 24 hours.

3. Gather Docs

We will provide you with a list of documents we need in order to obtain and verify all your information.

4. Fund Loan

Within 3-5 business days, your loan will be funded and that money will be available for you to use on your project.


There are a lot of options for financing a rental property, but many bring with them substantial documentation requirements. Traditional banks, for example, will require extensive information beyond the property you want to purchase or refinance. In addition, with the added requirements comes a protracted timeline that can interfere with your ability to acquire a property and get it producing a positive cash flow for you. Our buy and hold loan programs are meant for the investor looking to move quickly and efficiently to acquire properties and build a portfolio.

Let's get you funded!

We understand how crucial and important timing is, allow our team to go to work for you and get you the funding you need!

Call : + 1-714-465-4611

info@aegisfunding.com Mon – Fri 8am-5pm

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Quick Quote

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