AlphaFlow purchases short term, business purpose, first lien loans on residential real estate. This includes fix and flip, refinance, cash-out refinance, bridge and ground up construction loans.
We buy loans ranging in size from $75,000-$1,000,000.
AlphaFlow will purchase loans with an initial term of no more than 13 months.
The minimum credit score for a borrower/guarantor is 620.
AlphaFlow purchases loans on Single Family and Multi Family Residences up to nine units.
AlphaFlow will review loans in all 50 states.
AlphaFlow will purchase loans with up to 80% of as-is LTV, up to 85% of LTC and up to 75% of ARV. Refinance and ground up transactions are subject to tighter leverage constraints.
AlphaFlow understands how much value borrower relationships have to our lenders. While AlphaFlow does purchase loans with servicing released, we still want our lenders being ‘the face’ of the loan to the borrower to maintain those relationships.
AlphaFlow works with several servicing groups including Cohen Financial, FCI and BSI.
AlphaFlow currently does not make loans directly to borrowers, we solely purchase loans from lenders.
AlphaFlow currently does not table fund loans, and only purchases closed loans. Given how important table funding is to the growth of our partners, we’re working to put a program in place that will allow us to table fund loans during Q3.
No, AlphaFlow currently only works with direct lenders.
AlphaFlow purchases loans anywhere from 7.5%-12% depending on the loan.
We use an algorithmic pricing model that takes into account transaction, borrower, property and local market related factors when determining the interest rate at which AlphaFlow will purchase a loan. Any difference between our purchase rate and the interest rate of the loan will be sent back to the lender when the borrower makes their monthly payment (known as a Yield Strip).
Yes, AlphaFlow can purchase ground-up loans as well as acquisition, rehab and refinance loans.
We have the ability to buy loans from any partners who have borrowers with active business licenses and the borrower must have a credit score.
We aim to process a construction draw in 24-48 hours after the request is submitted to our servicing team.
We can have a loan purchase completed in as quick as 5 days.
No, AlphaFlow doesn’t need an appraisal but does need a third party valuation, such as a BPO.
Yes, we buy seasoned loans but the loan must have at least 3 months until maturity.
No, AlphaFlow will only purchase first-lien loans, and those loans cannot have second liens.
AlphaFlow does not purchase non-performing loans.
Yes, we buy loans in all 50 States.
We traditionally like to see at least one year of track record from our partners, but can be flexible to help new and growing lenders.
At this time AlphaFlow will only purchase loans on Single Family and Multi Family (up to nine units) properties.
Yes, Alphaflow will review portfolio or blanket loans.
Fill out our ‘Get Started’ Form, and someone from our team will reach out to discuss the process with you further!