Bought With Cash?Recoup Your CapitalStarting Immediately After Closing.
- Program 1 delayed financing can begin immediately after the cash purchase
- Up to 80% LTV based on the original purchase price
- The delayed-financing transaction must close within 180 days
- No W-2s, pay stubs, or personal tax returns used for DSCR income qualification
No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation
Get a Quote / See Your Options
How It Works
Delayed Financing Uses the Original Purchase Price
This Program 1 option is designed for investors who acquired a property with cash and want to put long-term financing in place shortly after closing. The maximum is based on the original purchase price, not a newly appreciated ARV, and the delayed financing must close within 180 days of the cash purchase.
Step 1
Buy With Cash
Complete the all-cash investment-property purchase.
Step 2
Request Terms
The delayed-financing process can begin immediately, including the next day.
Step 3
Close Within 180 Days
Qualifying financing can reach up to 80% of the original purchase price.
Illustrative Deal Example
Delayed Financing: 80% of Purchase Price
Assume you purchase a duplex for $245,000 cash and the file qualifies for the maximum 80% delayed-financing LTV. Maximum loan based on purchase price: $196,000. The process can begin immediately after the cash closing and must close within 180 days. Final approval still depends on the property's DSCR, credit profile, documentation, and Program 1 requirements.
Deal Snapshot
Cash Purchase Price
$245,000
Illustrative LTV
80%
Illustrative Loan
$196,000
Deadline
180 Days
Delayed Financing FAQ
Bought With Cash? See Your Options.
No credit pull for the initial quote. Rates within 24 hours.
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