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90-90 Loans

A hybrid between our 90% Acquisition Loan and Rehab Loan products, the 90-90 Loan provides the benefit of funding the lion’s share of the rehab cost at a lower cost than the Rehab Loan.

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90-90 LOANS 101

Helping investors purchase and improve real estate

Obtaining adequate capital to close deals quickly in the current environment can be challenging. Leverage our 90-90 loan product and experienced real estate investment team to get you through your next project. With our 90-90 Loan, we will lend 90% of the purchase price and 90% of the rehab budget, up to 70% of the ARV.  You, as the borrower, would put 10% of the purchase price down at closing and then fund the first 10% of the rehab with your own funds after closing.  After the first 10% of the rehab is completed, we will reimburse you for your rehab expenses via draws as the project progresses.

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The Pine Advantage

Why Pine Financial for your loan?

Streamlined funding process

We offer industry-leading underwriting and funding times. Our underwriting and closing processes are efficient.

No experience requirements

We provide dependable and proven capital at competitive rates regardless of your real estate investment experience.

In-house loan servicing

Our in-house servicing team will be a consistent and personal point of contact throughout your project.

No prepayment penalties

Each of our loan products is interest only with no prepayment penalties. If you complete your project sooner than anticipated, you can prepay at any time.

Up to 70% of ARV

Regardless of your costs to complete the project, we will loan up to 70% of the ARV.  This means you can borrow up to 100% of your costs for the right project.

Competitive fixed rates

We are transparent with our loan pricing and will provide a proposed term sheet specific to your project.

Our Loan Process

We’re your partner throughout the process

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Step One: Complete application

Get pre-approved today or complete a full application for a specific deal. Documentation can be uploaded to our secure portal.  There is never a fee for a pre-approval and getting that approval allows us to send your loan commitment letter.
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Step Two: Gather documentation

We will send you a specific list of what you need. Gather your financials, contract, scope of work, and budget.
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Step Three: Underwrite file

We will order an appraisal and property and lender title insurance policies. Our underwriting team will review the documentation provided and work with you to close any gaps.
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Step Four: Close

Congratulations! You’re done.  We coordinate with all parties to coordinate closing.  You just need to show up and sign.
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Questions? Get in touch

Tel: (303) 835-4445

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90-90 Loans 101

Tools to start your journey

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Fix & Flip Calculator

Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.

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Max Offer Worksheet

This worksheet walks you through calculating the maximum price you should pay for a property.

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Scope of Work Spreadsheet

This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.

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MAO Rental Calculator

This calculator will help calculate your maximum offer price and return on investment with a rental property purchase.

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Questions? We’re here to help

How do you determine rates, leverage, and loan terms?
Rates, leverage amounts, and terms are dependent on the location and type of property. Get prequalified today and speak to one of our Loan Officers to get specific deal terms for your situation.
If my project takes longer than expected, can you extend the loan term?
We strive to stay flexible and partner with you through your project. If you need to extend the term of your loan, we will discuss terms of any extension but we are happy to work with you so you succeed. 
Do you lend to first-time flippers?
Yes! We love helping first-time flippers. We are here to help with any questions you have including property valuations, budget reviews, and profitability calculations. Our goal is to work with you to help you succeed.
How do repair draws work?
The full loan commitment amount is set aside for you upon origination and held in escrow by Pine Financial Group. Draws are made and funds are released upon completion of certain milestones to ensure that the scope of work documented during underwriting is being completed.
What if the repair costs incurred differ from the budgeted amount?
If costs incurred are less than the budgeted amount, you will be credited with  all unused repair money upon completion of the project. If repairs costs are more than the anticipated budget, you will be required to make all repairs indicated on the repair estimate submitted during underwriting out of pocket. The last repair draw will not be funded until all repairs have been made.
Do you pull credit? If so, when?
We understand that credit inquiries may impact your credit score. We do not pull credit when you apply for pre-qualification. Rather, we wait until you have a contract on a property and we are going to complete a deal together.
What are reserves and how much do I need to qualify?
Reserves represent the amount of cash you have on hand to fund expenses in excess of your budget and to fund your monthly interest payments. For the 90-90 loan, borrowers need to have adequate cash to close, 10% of the rehab budget, and liquidity for 10% of the loan amount. Retirement accounts are not considered in assessing your liquidity. Qualifying accounts and assets include personal or business checking and savings accounts, money market accounts, brokerage accounts, etc.

More loan options

Explore our other hard money offerings

Rehabilitation Loans

100% financing for real estate investors. This loan provides funding for the purchase price and rehabilitation costs, up to 70% of the property’s after repair value.

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90% Acquisition Loans

This loan provides borrowers with 90% of the property purchase price up to 70% of the property’s after repair value.

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Bridge Loans

Bridge loans are used by real estate investors to cover the gap between the purchase of the property and their long-term financing solution.

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Construction Loans

This loan provides borrowers with financing to cover the cost of acquisition of land and development.

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IRA Loans

Have you ever thought about accelerating your retirement by fixing and flipping properties inside your IRA?  This is a highly specialized loan offered by only the most experienced lenders.  Find out how we can help you with your next IRA loan today.
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Flash Cash Loans

This loan is used by real estate wholesalers to fund double closings. This product is available nationwide.
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