Bought Cash?Recoup Your CapitalStarting the Next Day.
- Start the loan process the same day as your cash closing
- No seasoning requirement - eligible immediately
- Up to 80% LTV based on your purchase price
- Must complete within 180 days of cash closing
No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
Loan Program
Delayed Purchase Program
No income docs. LTV based on purchase price, not appraised value.
LTV Is Based on Purchase Price
LTV is calculated from what you paid, not current appraised value. If the property has appreciated, a cash-out refinance after 180 days may allow you to access more equity.
See Cash-Out Refinance →Real Deal Example
Delayed Purchase: How It Works
You purchased a duplex at auction for $245,000 cash. You want to recoup your capital immediately to fund your next deal. You have 680+ FICO. Delayed purchase loan at 80% LTV: Loan amount: $196,000 Capital recouped: $196,000 of your $245,000 investment Monthly rent: $2,200 Monthly payment at 6.25%: $1,207 DSCR: 1.82×, qualifies easily. You now have $196,000 back in hand to deploy on your next acquisition.
Deal Snapshot
Cash Purchase Price
$245,000
Loan at 80% LTV
$196,000
Capital Recouped
$196,000
Time After Closing
Next Day
DSCR
1.82×
Delayed Purchase FAQ
Ready to Recoup Your Capital?
No credit pull. Rates within 24 hours.