Fast Funding for Residential & Commercial Real Estate up to $5MM
FastTap Loan
Fast 30-Year Loans for Residential & Commercial Real Estate – No Minimum Credit Score Required
FastTap allows finanicially challenged investors to purchase, refinance or cash out residential and commercial properties.
Use cases include borrowers with substantial equity and:
• Upcoming loan maturity
• Recent BK or looming foreclosure
• Low DSCR/Cash-Flow
• Limited ownership seasoning
• Behind on mortgage payments
• Notice of default
The FastTap loan offers speed, simplicity, and flexibility when you need it most.
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FastTap allows financially challenged investors to purchase, refinance or cash out residential and commercial properties.
Use cases include borrowers with substantial equity and:
• Upcoming loan maturity
• Recent BK or looming foreclosure
• Low DSCR/Cash-Flow
• Limited ownership seasoning
• Behind on mortgage payments
• Notice of default
The FastTap loan offers speed, simplicity, and flexibility when you need it most.
Key Advantages
Key Advantages
Best Alternative to Hard Money:30-year fixed loan w/no balloon.
No Minimum FICO Score: Apply without worrying about credit denial
Competitive Rates: Enjoy better pricing than traditional hard money options.
No ownership seasoning: Buy and hold investors looking to liquidate quickly.
Flexible Term Options: Choose from a 3-year fixed or 30-year fixed term, both amortized over 30 years.
Eligible Property Types
Eligible Property Types
Investor 1-4
(SFR, Condo, and 2-4 Units)
Multi-Family
(5+ Units)
Mixed-Use
Combos of commercial and residential
Commercial
Office, retail, warehouse, self-storage, automotive, and more
Who This Is For
Who This Is For
Equity-Rich Property Owners: Tap into your existing property value for new opportunities.
Non-Income Producing Properties: Property income does not need to cover the mortgage payment
Credit-Challenged Borrowers: Recent credit events won’t disqualify you.
Borrowers Needing Speed: Close quickly & get back on your feet
LoanTap’s FastTap loan is your no-nonsense solution.
Need Cash Out, Fast? We’ve Got You
Need Cash Out, Fast? We’ve Got You
If you’ve got equity, we can help you tap into it—fast. Click below to tell us a bit about the property and your goals. We’ll get terms to you quickly..
Our borrowers are typically . . .
See the Difference:
Fast Tap vs. Others
See the Difference: Fast Tap vs. Others
|
Banks / Private Lenders | |
|---|---|---|
| Time to Close | 3-4 weeks | 4-6 Weeks |
| Min. FICO | No minimum | 620+ |
| Ownership Seasoning | No minimum | 3-6 months |
| Time Since Bankruptcy | No minimum | 1-2 years |
| DSCR Ratio / Cash Flow | No min. on residential. No min. up to $750K on owner-occupied CRE acquisition, up to $500K all other CRE. | 0.75 – 1.30 DSCR required |
| Income Documentation | Not required | Tax returns, leases, bank statements, etc. |
| Property Usage | Residential and Commercial | Residential only |
What Our Borrowers Are Saying
“No bank would allow me to access the equity in my free-and-clear shopping plaza due to weak cash flow. With Loantap I was able to tap into that equity for working capital when I needed it most.”
— Eleanor M., Florida CRE Owner
“After a life event damaged my credit, LoanTap allowed me to refinance my hard money loan before the maturity date.”
— Jim K., Ohio Investor
Frequently Asked Questions
What types of properties qualify?
Investor Residential (1-4 units, condos, & Mixed-Use), Multi-family (5+ units), & Commercial (Retail, Office, Warehouse, Self-Storage, Automotive, Daycare, Light Industrial & more)
Is a hard credit inquiry required?
Yes, but there is no minimum FICO score requirement. Credit score will only impact pricing.
Do I need personal or property income documentation?
No.
Is this a hard money loan?
No – It’s a low LTV 30-year fixed loan, which is often a better alternative to hard money because it comes with longer terms & lower rates while offering more flexibility on property type & borrower credit history.
What is the maximum loan size?
$5MM
Tap In With Us Today
Tap In With Us Today
Get the loan you need, when you need it, with FastTap.
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