Types of Loans

Application Requirements

Loan Summary

Property Requirements

We help investors seeking to acquire private money loans to invest in the real estate market. In order to maximize profits all around, we match you with specific private money investors who are a good fit for your investment into the real estate market. To help you invest, we offer four main types of loans: purchase loans, refinance loans, ARV or after rehab value loans, and commercial loans.


“Wide diversification is only required when investors do not understand what they are doing.”

-Warren Buffett

Types of Loans

Our variety of loans each have different terms to suit them. Please peruse our selection below in order to find the type of loan that will fit your investment best. If you have any questions, please feel free to contact us.


Purchase Loans

Refinance Loans

ARV Loans

Commercial Loans

For residential purchases, we offer loans up to 65% of the as is independently appraised value or 80% of the purchase price, whichever is lesser. However, we also allow for the cross collateralization of multiple properties on purchase loans. If you take advantage of our cross collateralization offer, you may borrow up to 65% of the aggregate value of the properties used as collateral.

You may borrow up to 65% of the as is independently appraised value of a property on a refinance for repairs to the property or to pay off other loans collateralized by the property. However, if you require more than 10% of the loan proceeds in cash, you may only borrow up to 50% of the as is independently appraised value of the property.

You may borrow up to 65% of the post-repair value of the residential property. These loans are to be used only for repairs to the property securing the loan. The entirety of the loan shall be held in escrow. As the work is performed, we will allow you to draw on the funds from escrow.

We offer loans for commercial property up to 55% of the as is independently appraised value of the property or 70% of the purchase price, whichever is lesser.

General Application Requirements

Borrower must be a US business entity with a valid, up to date business license; individual borrowers may be selectively approved by legal counsel on a case by case basis.

At least 40% of the owners of said business entity must be personal guarantors.

Said business entity may be owned by either domestic or foreign persons.

Background checks may be done on each of the personal guarantors.

Basic Loan Summary

All of our basic loan types listed above share a few common characteristics:


  • Single lien position lending only.
  • Credit will be used only as a compensating factor.
  • Monthly payments must at least cover interest charges.
  • A minimum loan size of $15,000.00 is imposed, with loan terms ranging from 3 to 24 months.
  • There is no penalty for prepayment of the loan.
  • After assessing the financial position (especially the construction costs, rehabilitation costs, and closing costs), if the loan is approved, a down payment is required along with proof of holding at least 3 months’ reserves.
  • Cross collateralization is allowed.

Property Requirements

While we can’t wait to get started working with you, we do have the small formality of a few property requirements that you must ensure prior to applying for a loan.


  • Only non-owner occupancy type estates will be approved for a loan:
    • Single Family Residences
    • Duplexes, triplexes, etc.
    • Condominiums
    • Townhouses
    • Manufactured homes
  • A valid, clear title is required.
  • At closing, there will be a one year hazard (including flood) insurance premium that must be paid immediately.
  • AISB Capital will order a third party, independent appraisal of the property; the property will be appraised as is.
  • Appraisal cannot be older than 30 days at the time of closing.
  • Private utilities must be inspected and certified by a third party.
  • Property must be habitable.
  • If repair work is required, funds totaling between 100% and 150% of expected rehabilitation costs will be held in escrow until the work is completed. A complete list of costs for all repair work is required unless borrowers are performing all repair work themselves.
  • Purchase Loan to Value (LTV) amount shall not exceed 65% of the as is appraised value or 80% of the purchase prices, whichever is lesser.
  • Maximum LTV shall not exceed 50% if the loan amount is less than $25,000.00.
  • Refinanced LTV shall not exceed 65%. In the case of refinance loans, LTV shall be lowered to be 50% if more than 10% of loan amount is received by borrower at closing.
  • There are no seasoning requirements on refinances, unless acquire by gift or quit claim from a third party in the last 12 months, in which case the LTV shall not exceed 50%.
  • Lease agreements are required on all subject properties that are leased out.



20449 SW TV Hwy. #222

Aloha Or. 97003


Phone: (971)217-8386

Email: [email protected]

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