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The values we live by
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Innovation
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Excellence
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Results
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Collaboration
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What services do you offer?
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How much do your services cost?
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What industries do you serve?
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services
Social media done right
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Total Body Fitness
about us
our facilities
We will coach you and help you achieve your health goals. At garage, we can help you every step of the way. Join our family and own your fitness. What are you waiting for? Take the first step today.
our staff
We will coach you and help you achieve your health goals. At garage, we can help you every step of the way. Join our family and own your fitness. What are you waiting for? Take the first step today.
our plans
We will coach you and help you achieve your health goals. At garage, we can help you every step of the way. Join our family and own your fitness. What are you waiting for? Take the first step today.
our plans
We will coach you and help you achieve your health goals. At garage, we can help you every step of the way. Join our family and own your fitness. What are you waiting for? Take the first step today.
Our Classes
SEMI PRIVATE
Training
Initial one-to-one consultation, Health & Fitness Assessments Bespoke training program planning, Custom Nutrition plan & recipes. Weekly Progress Reviews
Available
Popular
- 6 Months
- Minimum Investment: $10K
- Earned Interest: 20% Flat
- E 6th St. Mountain Home
Available
Popular
- 6 Months
- Minimum Investment: $15K
- Earned Interest: 20% Flat
- Lakewood Ave SW, Atlanta
Available
Popular
- 5 Months
- Minimum Investment: $11K
- Earned Interest: 20% Flat
- Willnet DR. Cincinnati, OH
Available
Popular
- 6 Months
- Minimum Investment: $52K
- Earned Interest: 25% Flat
- Highland Ave, Athens, GA
Available
Popular
- 6 Months
- Minimum Investment: $10K
- Earned Interest: 20% Flat
- Cedar Ave, Philadelphia
Available
Popular
- 5 Months
- Requested Amount: $30K
- Earned Interest: 20% Flat
- Butler St., Chester, PA
Available
Popular
- 6 Months
- Requested Amount: $35,750
- Earned Interest: 20% Flat
- Fernridge Ave, Valley Park
Available
Popular
- 6 Months
- Minimum Investment: $12K
- Earned Interest: 20% Flat
- Schley St., Warrenville, SC
Available
Popular
- 5 Months
- Requested Amount: $31,200
- Earned Interest: 20% Flat
- Northbrown Ct, Columbia
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25 Years Of Experience
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100% Financing, No Docs Required: Invest with Ease!
Suncrest Capital is a comprehensive lender a range of financing solutions. We offer several options, including 100% financing for both purchase and rehabilitation, as well as up to 70% of the After Repair Value (ARV). Our zero-down financing solution enables clients to preserve capital and enhance operational profitability on each transaction.
What Sets Suncrest Capital Apart?
A primary challenge for investors and borrowers seeking fix-and-flip or rental loans is the requirement to demonstrate proof of liquidity. Lenders often require substantial cash reserves to cover down payments, closing costs (including title fees and insurance), six months of mortgage payments, and sometimes 10% – 25% of the rehabilitation budget. This can pose a significant barrier, even for well-structured deals, as the inability to provide the liquidity often results in denial.
Our Services
At Suncrest Capital, we offer a unique NO DOC fix-and-flip/rental loan program with no requirement for bank statements. This means that even if an investor or borrower has a negative account balance, they can still access funding. Our approach allows you to finance up to 100% of the purchase price and rehab costs based on 70% of the ARV (After Repair Value), with potentially zero cash required at closing and no monthly payments until the property is sold or refinanced .
NO DOC & no monthly Payments Loan
Perfect for purchase, refinance, and rehab projects with no documentation or monthly payments required.
100% Financing Loan (PML/JV Agreement)
True 100% financing, including down payments and rehab costs, with no second lien and no monthly payments until repayment.
DSCR Rental Loan (30-Year Fixed)
A long-term rental loan for investment properties with no income verification and options for interest-only payments.
Bridge-Only Loan
Short-term, interest only loan for property purchases and refinances, with flexible terms and quick closing.
Ground-Up Construction & Land Purchase Financing
Comprehensive financing for new construction and land purchases with up to 100% coverage and no monthly payments.
Why Choose Us
Our most popular offering is the NO DOC and NO Monthly Payments loan option. This true NO DOC loan requires no proof of liquidity, reserves, or bank statements. This enables you, the borrower, to retain your cash throughout the project, allowing for increased flexibility and the capacity to manage multiple projects simultaneously, all while enjoying the benefit of no monthly payments.
100% Financing & Deferred Payments
Preserve cash flow with flexible loan options.
Zero Down, Zero Monthly Fees
Maximize returns with 100% funding and no monthly payments.
NO DOC Loans: Fast Closings & 100% Financing
Streamline your investment with quick approval and funding.
100% Financing for Purchase & Rehab
No docs, no upfront fees – get funded faster.
100% Financing, No Docs Required: Invest with Ease!
Key Features:
Product Overview
Our NO DOC and NO Monthly Payments loan is our most popular product, ideal for purchase, refinance, and rehabilitation of properties.
Example Scenario:
- No Upfront Fees: Unlike many hard money and private money lenders, we do not charge upfront fees. Payment is only required upon obtaining an Approval/Clear to Close.
- Flexible Closing: You may select any title company or closing attorney. All funds are wired to escrow on the closing date.
- Generous Funding: We provide up to 70% of the After Repair Value (ARV), 100% of the loan-to-cost (LTC), and 100% of the rehabilitation costs.
- Deferred Payments: We offer a true deferred payment option, enabling you to retain maximum cash flow throughout your project.
- Loan Amounts: Available from $75,000 to $1,000,000, including rehabilitation costs.
- Property Value: Minimum property value of $50,000, or $75,000 without verified experience.
- Interest Rates: 0.875% to 1.125% monthly.
- No Proof of Liquidity Required: No need for bank statements, proof of income, proof of employment, taxes, W-2s, pay stubs, or interest reserves.
- Credit Requirements: Minimum FICO score of 640. Credit partners or co-signers may be accepted with a soft credit pull.
- Additional Features: Scale up to four active loans with no monthly payments and no proof of liquidity required. Refinancing options are available to pay off existing loans and fund further rehabilitation with no monthly payments.
Advantages:
- No Upfront Fees: Unlike many hard money and private money lenders, we do not charge upfront fees. Payment is only required upon obtaining an Approval/Clear to Close.
- Flexible Closing: You may select any title company or closing attorney. All funds are wired to escrow on the closing date.
- Generous Funding: We provide up to 70% of the After Repair Value (ARV), 100% of the loan-to-cost (LTC), and 100% of the rehabilitation costs.
- Deferred Payments: We offer a true deferred payment option, enabling you to retain maximum cash flow throughout your project.
- Loan Amounts: Available from $75,000 to $1,000,000, including rehabilitation costs.
- Property Value: Minimum property value of $50,000, or $75,000 without verified experience.
- Interest Rates: 0.875% to 1.125% monthly.
- No Proof of Liquidity Required: No need for bank statements, proof of income, proof of employment, taxes, W-2s, pay stubs, or interest reserves.
- Credit Requirements: Minimum FICO score of 640. Credit partners or co-signers may be accepted with a soft credit pull.
- Additional Features: Scale up to four active loans with no monthly payments and no proof of liquidity required. Refinancing options are available to pay off existing loans and fund further rehabilitation with no monthly payments.
Terms and Availability:
- Closing Time: Typically 10-14 days.
- Experience Required: New investors are welcome. Experience required for heavy rehab projects.
- Loan Terms: 12 months
- Property Types: 1-4 unit investment residential properties.
- Points: 2.5 to 4.50
- Prepayment Penalty: None
- Exclusions: No rural properties.
- Available Locations: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL (excluding Cook County), IN, KS, MD (excluding Baltimore), MA, MN, MO, NV, NH, NJ (excluding Trenton and Newark), NC, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI.
NO DOC Purchase, Refinance, and Rehab Loans (Fix-and-Flip/Hold)
- No Upfront Fees: Unlike many hard money lenders, we do not require any upfront fees. Payment is only due upon receiving a Clear to Close.
- Flexible Closing Options: Choose any title company or closing attorney. All funds are wired directly to escrow on the closing date.
- Generous Funding: We offer up to 75% of the After Repair Value (ARV), up to 90% of the purchase price, and 100% of the rehabilitation costs.
- Competitive Rates: Interest rates range from 8.99% to 12.99%.
- High Loan-to-Cost (LTC): Up to 100% LTC and 100% of rehab costs are covered.
- Loan Terms: Available for 12 to 36 months.
- Loan Amounts: From $100,000 to $5,000,000.
- Credit Requirements: Minimum FICO score of 680, with options available for scores as low as 600.
- Quick Closing: We can close in as little as 10 days.
- Interest Payment: Interest is paid upon disbursement.
- Investor-Friendly: New investors are welcome. Foreign investors with a FICO score are also eligible.
- Property Types: 1-4 unit investment residential properties.
- Points: 2 to 4.25.
- No Prepayment Penalty: There are no penalties for early repayment.
- Exclusions: No rural properties.
- Market Availability: Available in all markets except ND, SD, Detroit, Chicago, Inner City Baltimore, NY Counties, Queens, Richmond, Kings, Bronx, Suffolk, and Nassau, Patterson and Camden, NJ.
PML/JV Agreement (TRUE 100% Financing)
Coverage Includes:
- Down Payment
- Closing Costs
- Construction and Rehabilitation
- Advances to Start Rehabilitation
- Permits
- Tax Liens
- Reserves
- Up to 100% Financing: Our Private Money Loan (PML) can be combined with Hard Money Loans (HML) to achieve true 100% financing.
- Second Position: No second lien is required, offering a significant advantage.
- No Monthly Payments: Enjoy the benefit of deferring payments until the loan is repaid.
- Loan Amount: $10,000 to $250,000.
- Closing Time: Loans can close in as little as 5 business days.
- No FICO Requirement: No credit score is required for eligibility.
- Term Length: Up to 6 months.
- Interest Rates: 15% to 22%, with an average rate of 20%.
- Points: 7.5 to 10.
- Market Availability: Available in all markets.
30-Year Rental - DSCR Loans
- Floor Rate: 6.125%.
- Loan-to-Value (LTV) Ratios:
- Up to 80% for Purchase and Refinance
- Up to 75% for Cash-Out Refinances
- Qualification: No proof of income, employment, taxes, W-2s, or pay stubs required. Qualification is based on rental income.
- Loan Term: 30-year fixed-rate term.
- Interest-Only Options: Available with 5/1, 7/1, and 10-year interest-only periods.
- Loan Amounts: Ranging from $50,000 to $5,000,000.
- Property Requirements: Minimum property value of $75,000.
- Credit Requirements: Minimum FICO score of 660 for most loans. Options available for scores as low as 600 with a lower LTV.
- Property Types: 1-4 unit residential investments and multi-family properties (5+ units).
- Investor Eligibility: Open to new and foreign investors.
- Points: 1 to 4.25.
- Market Availability: Available in all markets except ND, SD, UT, and VT.
Bridge-Only Loans: Purchase and Refinance
- Interest Rates: 8.99% to 13.5%, depending on the deal.
- Loan-to-Value (LTV) Ratios:
- Up to 80% for Purchase and Refinance
- Up to 70% for Cash-Out Refinances
- Interest-Only Periods: Available for 1 to 3 years.
- Loan Amounts: Ranging from $75,000 to over $7,000,000.
- No Monthly Payment Options Available on a Case-by-Case Basis
- Credit Requirements: Minimum FICO score of 640.
- Property Types: 1-4 unit residential investments and multi-family properties.
- Investor Eligibility: Open to new and foreign investors.
- Points: 2 to 4.25.
Market Availability: Available in all markets except ND, SD, UT, and VT.
Ground-Up Construction and
Land Purchase Financing
- Construction Financing: Up to 100% financing available, with no monthly payments required.
- Land Purchase: Up to 40% of the land purchase price covered, including construction, plans, and permits. (No documentation or monthly payments required.)
- After Repair Value (ARV): Up to 70% of the ARV.
- No Monthly Payments with Deferred Interest: We offer a unique deferred interest option, allowing you to maintain maximum cash flow throughout your project.
- Loan-to-Cost (LTC): Up to 85% LTC available with no documentation required.
- Interest-Only Terms: 12 month interest-only terms.
- Loan Amounts: Ranging from $50,000 to $1,000,000.
- Credit Requirements: Minimum FICO score of 640.
- Property Types: 1-4 unit residential investments.
- Experience Required: Previous experience required for eligibility.