Universal Capital - Private Real Estate Lender Email Format

Real EstateMassachusetts, United States2-10 Employees

Universal Capital is a small, private real estate lender based in Danvers, Massachusetts, providing short-term financing for real estate investments using its own capital. It backs a range of investment activities, including new construction and development on single-family, multi-family, and commercial projects; renovation loans for buy-and-hold or flip strategies; bridge financing; land acquisitions; and direct investments managed in-house. The lending approach centers on collateral as the primary approval factor, with loans typically arranged through a business entity.

For non-owner-occupied investment properties, terms include ARV up to 70%, borrower equity typically 5% to 15% on purchases, and loan sizes from $100,000 to $3 million. Loan terms span six months with possible extensions, and financing is usually interest-only, usable for purchase, refinance, or cash-out. Decisions rely less on credit scores and more on collateral and the investment property's viability, with closings required in the name of a business entity.

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