Wildcat Lending Loan Programs
Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, and secure real estate loans that enable you to close quickly on residential investment properties.
Loans
Property criteria, loan details & checklist.
Fix & Flip Loan Terms
Our loans are based on the After-Repaired Value (ARV) of the property and include both Purchase and Renovation funds.
Details & Requirements
Fix and Flip Loan Details
- Flexible Point Options – Minimum $2,000
- 6-Month Term with Automatic Term Extension Options
- Borrower Must Provide Insurance Policy – Required To Be Paid in Full
Approval Requirements
- Minimum Credit Score Required
- 12 Months Liquid Reserves
- No Recent Bankruptcies/Foreclosures
Additional Requirements
- No Tax Return/Employment Verification Needed
- Residential (1-4 Family) Investment Properties Only
- First Lien Only
- Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion.
Rental Property Loan Terms
Based on the As-Is Value of the property.
Details & Requirements
Rental Property Loan Details
- 12-month Term
- Up to 80% LTV Purchase or 75%LTV Cash Out Refinance
- Borrower Must Provide Insurance Policy – Required To Be Paid in Full
Approval Requirements
- Minimum Credit Score Required
- 12 Months Liquid Reserves
- No Recent Bankruptcies/Foreclosures
Additional Requirements
- No Tax Return/Employment Verification Needed
- Residential (1-4 Family) Investment Properties Only
- First Lien Only
- Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion.
Wildcat Zero Loan Terms
No Points, No Problem!
Details & Requirements
Wildcat ZERO Loan Details
- 0 Points Origination
- 6 Month Term and 3 Month Auto Extension
- Up to 85% of Total Project Costs Covered (Purchase + Rehab) or 70% of ARV, whichever is the lesser value of the two.
- Borrower Must Provide Insurance Policy – Required To Be Paid in Full
Approval Requirements
- Minimum Credit Score Required
- 12 Months Liquid Reserves
- No Recent Bankruptcies/Foreclosures
Additional Requirements
- No Tax Return/Employment Verification Needed
- Residential (1-4 Family) Investment Properties Only
- First Lien Only
- Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion.
Checklists
Individual Borrowers Checklist
Details & Requirements
- Copy of your most recent month’s bank statements (all pages), checking, savings, money market, certificate of deposit, etc.
- Fully executed contract
- Title company contact (name, e-mail address, and phone number)
- Detailed Renovation Budget along with bids from contractors
- Certificate of Insurance for the property (6-month policy must be paid in full on or before loan closing)
Business Entity Borrowers Checklist
Details & Requirements
- Certification of Formation
- Letter of good standing from the Texas Secretary of State and Certificate of Account Status from the Texas Comptroller of Public Accounts
- Organization documents (Partnership Agreement, Operating Agreement, Articles of Incorporation)
- EIN form from Internal Revenue Service
- Copy of the Company’s most recent month’s bank statements (all pages), checking, savings, money market, certificate of deposit, etc.
- Fully executed contract
- Title company contact (name, e-mail address, and phone number)
- Detailed Renovation Budget along with bids from contractors
- Certificate of Insurance for the property (6-month policy must be paid in full on or before loan closing)
Draw Process
A whiteboard animation video showing how incredibly easy Wildcat Lending’s Draw Process is.
Draw & Payoff Requests
A Wildcat Lending Draw or Payoff request form can be quickly submitted by following the buttons.
