Wilshire Fund
We assist clients in exploring flexible financing solutions for a variety of property types, including residential and commercial real estate.
HOT PROGRAM
30-Year Term – Up to 75% LTV Non-DSCR Financing
Nationwide Availability/ All 50 States
Asset-Based | No Debt Service Coverage Calculation Required
Eligible Property Types
• 1–4 Unit Investment Properties
• Multifamily
• Assisted Living / Group Homes
• Co-Living
Credit Score Tiers
• 641–800: up to 75% LTV
• 630–640: up to 70% LTV
• 620–629: up to 65% LTV
• 400–619: up to 50% LTV
Key Highlights
• Nationwide availability
• Purchase and cash-out refinance up to 75% LTV
• No DSCR or income verification required
• Unlimited cash-out
• No tax returns, pay stubs, or seasoning required
• Short-term rentals accepted (Airbnb, Vrbo, etc.)
• Loan amounts from $100K to $15MM
• Seller carry-back up to 15% considered
• Flexible vesting: LLC, Corp, Trust, or Personal
• Foreign nationals accepted
• Group homes, co-living, and portfolio loans considered
• Loans with maturity defaults considered
General Notes
• Property and geographic restrictions may apply
• Third-party appraisal required
SFR, CONDO AND 2-4 UNITS
1st Liens
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Up to 75% LTV.
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Rates from 9.99%.
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12 – 360 months loan term.
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Minimum 600 FICO, lower – exception only.
MULTIFAMILY
1st Liens
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Up to 75% LTV.
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Rates from 9.99%.
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12 – 360 months loan term.
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Minimum 600 FICO, lower – exception only.
RETAIL, INDUSTRIAL, OFFICE
1st Liens
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Up to 70% LTV.
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Start rate – from 9.99%.
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12 – 360 months loan term.
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Minimum 600 FICO, lower – exception only.
FIX & FLIP / KEEP
RESIDENTIAL (1-4 UNITS)
Up to 85% LTC but not to exceed 65% LTARV
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From 10% rate.
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Minimum score – 640.
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12 months. Longer term possible depending on scenario.
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“No-experience” flippers – case by case.
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Marketable location.
Get in Touch
If you would like us to review a property or investment scenario, please contact our team and we will discuss potential financing options.