“Over 25 years of experience and 150+ projects later”Arkad... · 888.38.ARKAD 732.510.9792 107...

ARKAD.CAPITAL

888-38-ARKAD / 732-510-9792

107 PARK AVE. PLAINFIELD, NJ 07060

ARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH

LOAN PROGRAMS & COMPANY PROFILE

RE: Letter From The Owners

Dear Borrower,

Thank you for trusting us with your real estate financing needs.

Arkad Capital strives to create relationships backed by years of industry experience andcompetitive rates & terms. Through this journey, we look forward to bringing value anddeveloping a prosperous and profitable relationship. Our doors are always open for a goodreal estate chat. We are here to bring clarity to any questions you may have along the way.Whether it’s related to your loans, the asset in question, scaling up your business orimplementing proven systems to improve your bottom line ... count on us for clear andconcise guidance.

Aside from our speed, flexibility, and terms, we have over a decade of first-hand experiencebeing on your side of the fence as house flippers, builders, and landlords ourselves. Thebenefits of working with us are plenty.

Our primary focus is to simplify the funding side of your company’s needs in a straightforward and cost-effective manner. We encourage you to leverage Arkad Group’s longhistory of investment strategies in multiple submarkets and asset classes, includingflipping, holding, luxury building, TOD development, managing, and now lending.

Arkad Capital is the solution to the uncertainty and high costs associated with borrowingfrom hard money lenders. As borrowers, we wanted to eliminate all the roadblocks of thisbusiness by simplifying the process and creating a company with the borrower’s real needsin mind. So think of our team as an extension of your team. We’re your financing arm. Ourgoal is to collectively work towards your success by bringing value to your business.

Here to bring value,

Mario Camino, CEO, Co-Founder

Daniel Rivera, COO, Co-Founder

Adam Levine, Capital Markets, Co-Founder

Arkad Capital is the creation of three local real estate entrepreneursand their constant pursuit of higher real estate investing performance. With combined Main St. and Wall St. Knowledge, Arkad Capital bringsgreat value to its borrowers by offering highly competitive terms, industryknowledge, and outside of the box lending.

Arkad Group began as a residential fix and flip powerhouse. It hasevolved into a multifaceted and vertically integrated company withpositions in rental portfolios, commercial property, and new constructiondevelopment - all the while still maintaining an aggressive rehabbingstrategy. Arkad Capital is the most recent addition to our group ofcompanies.

WHO IS ARKAD?

Visit Arkad.Capital/application| Email loans@thearkadgroup,com | Call 888.38.ARKAD

We improve neighborhoods

one house at a time

OUR STATISTICS FOR 2019-2O

50MRESIDENTIAL F IX & FL IP LOANS

8.85%AVERAGE RATE GIVEN IN 2019

$242,000AVERAGE LOAN S IZE

POF 'S SENT TO BORROWERS

500APPROVED BORROWERS

0FORECLOSURES

64.4%AVERAGE ARLTV

702AVERAGE BORROWER F ICO

1,000


Our rates start as low as 8.99% on Fix & Flip Loans & 5.99% on Rental LoansUp to 75% ARLTV on Fix & Flip Loans & 80% on Rental LoansWe fund up to 90% of purchase and 100% of rehab costs for Fix & FlipWe fund Single Family 1-4, Ground Up Rentals 1-4, Multifamily 5+, & Mixed UseNo interest paid on money not used.Same day approval + Proof of Funds.Close within 7-10 days.9-24 month loans

Credit: 680 [650-679 with -5% on leverage]

Can do drive-by appraisals for difficult access.

Nationwide Lending (exp. MN, ND, NV).

Brokers and referrals welcomed and compensated!

Deferred payments available for 3, 6, 9 months.Deferred closing costs.

Down payment assistance .

Access to exclusive inventory

Access to private Mastermind Group on Facebook

PERKS for Repeat Preforming Loyal Clients

WHAT WE OFFER


FIX-AND-FLIP PROGRAMSARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH

Single - Family [ 1-4 units ]


LOAN CRITERIA

Collateral: Non-Owner Occupied 1-4 FamilyProperty. Condos & Townhomes.

Rates: 8.99% to 11.99%

Term: 9 to 18 months.

Loan Amount: $1OOk to 2M

Credit Score: 68O 65O - 679 [ -5% on leverage]

LEVERAGE BASED ON EXPERIENCE

BEGINNER INVESTOR

MUST HAVE COMPLETED O-3 FLIPSOR OWNED UP TO 3 RENTALS INTHE LAST 3 YEARS

INTERMEDIATEINVESTOR

MUST HAVE COMPLETED 3 to 10MORE FLIPS OR OWNED 3 ORMORE RENTALS IN THE LAST 3YEARS

EXPERIENCEDINVESTOR

MUST HAVE COMPLETED 10+ ORMORE FLIPS OR OWNED 10 ORMORE RENTALS IN THE LAST 3YEARS

Up to 80% of PurchasePrice + Up to 100% ofthe Renovation Costs;Not to Exceed 70% ofthe After-Repair Value


LOAN TO VALUE

RATES 11.99% 9.99% 8.99%

Documentation: Purchase Contract, Scope Of Work,LLC Docs, EIN, Operating Agreement, Drivers License. 2mo Bank Statements (for closing liquidity). PurchaseHUD if refi. NO Tax ReturnsNo BK & Foreclosure last 3 years

Fees: 2.5% points + $75O Processing.

3rd Party Fees: Appraisal $5OO-$65O + Legal $995.

Savings: NO Underwriting Fees, NO Commitment Fees, ,NO Interest on full loan amount if not used.

Nationwide Lending [ except for MN, ND, NV ]


BRIDGE FINANCING LEVERAGE MATRIX

ARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH


Purchase

Cash-out

MAX LOAN to VALUE[ LTV ]

FIX-AND-FLIP PROGRAMSSingle - Family [ 1-4 units ]

Light Rehab: Rehab Budget is greater than 5% and less than 100% of “As-Is” value (purchase and refinance) and purchase price (if a purchase), and the project does notinvolve a condo sales exit, 20% expansion of the property of at least 750 square feet, or a change in use.

Heavy Rehab: Rehab Budget greater than or equal to 100% of “As Is” value (purchase and refinance) or purchase price (if a purchase), condo sale exit, involves more than a20% expansion of the property of at least 750 square feet, or involves a change of use. Heavy Rehab excludes properties where at least one wall does not remain standingthroughout the construction process and into the finished property, or with an “As Repaired” value which is greater than 3x the initial “As Is” Value (or acquisition price if withinthe last 12 months).

Client’s experience is defined as completed flips or rentals owned in the last three calendar years. The borrower must have had an ownership stake in the property for it toqualify. Terms apply to borrowers with a 650 minimum credit score. Rural properties are not permitted. LTV & Pricing Adjustments could apply based on client's experience,market data of the zip code,additions to the property or change of use of the property. Please consult your Loan Officer.

75%

Refinance 70%

Cash Out 65%

MAX LOAN to COST[ LTC ]

80%

N/A

N/A

MAX AFTER REPAIRVALUE[ ARV ]

N/A

N/A

N/A

NO REHAB

Purchase

Cash-out

90%

Refinance 72.5%

Cash Out 65%

90%

N/A

N/A

75%

67.5%

60%

INTERMEDIATE &EXPERIENCEDINVESTOR [3+]

LIGHT REHAB

Purchase

Cash-out

75%

Refinance 60%

Cash Out 55%

80%

N/A

N/A

65%

60%

50%

Purchase

Cash-out

80%

Refinance 62.5%

Cash Out 60%

80%

N/A

N/A

70%

57.5%

55%

Purchase

Cash-out

65%

Refinance N/A

Cash Out N/A

70%

N/A

N/A

55%

N/A

N/A

INTERMEDIATE &EXPERIENCEDINVESTOR [3+]

HEAVY REHAB

BEGINNER INVESTOR [0 to 3]

LIGHT REHAB

BEGINNER INVESTOR [0 to 3]

HEAVY REHAB

LOAN CRITERIA


Rates: Starting at 4.95%

Term: 3O Year Fixed, ARMS [ 3/5/7/1O Year] &1O-Year Interest Only.

Loan Amount: $1OOk to 2M

Credit Score: 65O Minimum

Portfolios: Yes for 3+ properties

Rates

RENTAL PROGRAMSARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH Single - Family [ 1-4 units ]

LEVERAGE BASED ON CREDIT SCORE

Documentation: Contract or Closing HUD [if refinance], Leases, Payoff, LLC Docs, EIN, OperatingAgreement, Drivers License., 2m Bank Statements [ifrented], Tax Bill, Proof of Insurance. Proof of PurchaseHUDNo BK & Foreclosure last 3 years.


3rd Party Fees: Appraisal $5OO-65O + Legal $995.

Savings: NO Underwriting Fees, NO Commitment

Pre-payment: 3% year 1, 2% year 2 & 1%.year 3


FICO

PURCHASE72O

+

68O - 719

650-679 & Foreign Nationals

MAXIMUM LOAN TOVALUE [ LTV ]

Refinance

FICO

72O+

68O - 719

650-679 & FN

Up to 75% of As-Is Value



MAXIMUM LOAN TOVALUE [ LTV ]FICO

72O+

68O - 719



Up to 6O% of As-Is Value


CASH-OUTREFINANCE

MAXIMUM LOAN TO VALUE [ LTV ] MAXIMUM LOAN TO COST

[ LTC ]




Up to 80% Loan-to-Cost

Up to 80% Loan-to-Cost

Up to 7O% Loan-to-Cost

650-679 & FN

REFINANCE

LOAN CRITERIA

Collateral: Multi-Family Apartment Buildings[5+ Units] Mixed-Use Buildings [ResidentialSpace is Greater Than 50% of Square Footage]


Term: 12 Months [6m extension available]

Loan Amount: $25OK to 3M

Credit Score: 65O Minimum

MULTIFAMILY BRIDGE PROGRAMSARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH Multi - Family [ 5 to 55 units & Mixed Use ]

Documentation: Purchase Contract, Scope Of Work,LLC Docs, EIN, Operating Agreement, Drivers License. Bank Statements (for closing liquidity). NO Tax Returns No BK & Foreclosure last 3 years


3rd Party Fees: Appraisal $65O-$1,OOO + Legal $995.

Savings: NO Underwriting Fees, NO Commitment Fees,NO Interest on full loan amount if not used.

Nationwide Lending (exp. MN, ND, NV)


Up to 75% Loan-to-CostLEVERAGE BASED ON EXPERIENCE & CREDITMAXIMUM AFTER REPAIR

VALUE[ ARV ]

LIGHTREHAB

HEAVY REHAB

LIGHT REHAB

Purchase

Purchase

Up to 70% of the ARV

Not Permitted

Not Permitted


Heavy Rehab Budget: Greater than or equal to 100% of “As Is” value (purchase and refinance) or purchase price (if a purchase), condo sale exit, involves morethan a 20% expansion of the property of at least 750 square feet, or involves a change of use.. No Rural areas.

Refinance

Cash-out

Purchase

Refinance

Cash-out

MAXIMUM LOAN to VALUE[ LTV ]

Up to 75% of Purchase Price+ 100% of Renovation Costs

Up to 65% of As-Is Value +100% of Renovation Costs

Up to 60% of As-Is Value +100% of Renovation Costs

Not Permitted

Not Permitted

Up to 70% of Purchase Price+ 100% of Renovation Costs



Up to 65% of Purchase Price+ 100% of Renovation Costs Up to 60% of the ARV

INTERMEDIATEINVESTOR

MUST HAVE COMPLETED3 to 10 MORE FLIPS OROWNED 3 OR MORERENTALS IN THE LAST 3YEARS

BEGINNER INVESTOR

MUST HAVE COMPLETEDO-3 FLIPS OR OWNED UPTO 3 RENTALS IN THE LAST3 YEARS

LOAN CRITERIA

Collateral: Non-Owner Occupied 1-4 FamilyProperty.


Term: 12 Months [6m extension available]

Loan Amount: $25OK to 3M

Credit Score: 7OO Minimum

GROUND UP NEW HOMES & EXPANSIONSARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH Residential [ 1 to 4 units ]

Documentation: Purchase Contract, Scope Of Work,LLC Docs, EIN, Operating Agreement, Drivers License. Bank Statements (for closing liquidity). PreliminaryPlans, Architect Validation Letter or Feasibility Study.NO Tax Returns / No BK & Foreclosure last 3 years.


3rd Party Fees: Appraisal $5OO-65O + Legal $995.

Savings: NO Underwriting Fees, NO Commitment Fees,NO Interest on full loan amount if not used.



Up to 75% Loan-to-CostLEVERAGE BASED ON EXPERIENCE & CREDITMAXIMUM LOAN TO COST &

AFTER REPAIR VALUE [ LTC ] [ ARLTV ]

GROUNDUP

ADD-A-LEVEL

ADD-A-LEVEL

Purchase

Purchase

75% LTC [ Land + Hard Costs ]Up to 65% of the ARV

Up to 6O% of the ARV

Not Permitted

Up to 55 % of the ARV

Heavy Rehab Budget: Greater than or equal to 100% of “As Is” value (purchase and refinance) or purchase price (if a purchase), condo sale exit, involves morethan a 20% expansion of the property of at least 750 square feet, or involves a change of use.. No Rural areas.

Refinance

Cash-out

Purchase

Refinance

Cash-out

MAXIMUM LOAN TO VALUE[ LTV]

Not Permitted

Up to 6O% of As-Is Value +100% of Renovation Costs

Not Permitted

Up to 70% of Purchase Price+ 1OO% of Renovation Costs

Not Permitted

Up to 8O% of Purchase Price+ 1OO% of Renovation Costs

8O% LTC Up to 65% of the ARVINTERMEDIATE

INVESTOR

MUST HAVE COMPLETED3 to 10 MORE FLIPS OROWNED 3 OR MORERENTALS IN THE LAST 3YEARS

EXPERIENCEDINVESTOR

MUST HAVE COMPLETED2 OR MORE GROUNDUP/NEW HOMES IN THELAST 3 YEARS

BEGINNER INVESTOR

MUST HAVE COMPLETEDO-3 FLIPS OR OWNED UPTO 3 RENTALS IN THE LAST3 YEARS

5O% of Land [if permitted]1OO% of Construction

5O%-65% of Land [ifpermitted]

1OO% of Construction75% LTC [Land + Hard Costs ]

Up to 6O% of the ARV

JOINT VENTURE FLIP PROGRAMSARKAD CAPITALINTEGRITY | RELIABILITY | GROWTH



PARTNERSHIP CRITERIA


Rates: 8.99%

Term: 12 months

Loan Amount: $250k to 2M

Credit Score: Not Applicable

LEVERAGE BASED ON DEAL PROFITABILITY

NEW INVESTOR

Completed 0 to 2 Flipsor Owned Up to 2 Rentalsin the Last 3 Years

INTERMEDIATE INVESTOR

Completed 3 to 10 Flips orOwned 3 to 10 Rentals inthe Last 3 Years

LTV 65% of ARLTV

Documentation: Purchase Contract, Scope of Work &Drivers License. No Taxes or Bank StatementsNo BK & Foreclosure last 3 years

Roles: Arkad brings all capital needed for transacton. JVPartner finds deal and manages rehab with ourguidance.

3rd Party Fees: Appraisal $5OO-$65O (Refunded)

Location: New Jersey

Experience

Experience 0 to 2 3 to 10

Credit Score n/a n/a

Split 50/50 60/40

70% of ARLTV

OUR DOCUMENTATION REQ'S

1.Loan Application2.Borrower Auth for each guarantor3.Title Agent/Attorney – need POC, phone # and email address4.Borrower Experience – include all investment properties purchased/sold/rented within the last 3 years (use template attached)5.Purchase Contract – needs to be in the name of the borrowing entity (if purchase)6.Lease Agreement (if applicable) + 2 most recent months of rent verification (copy of checks, etc)7.Rehab list/budget8.Photo ID9.Operating Agreement, EIN Letter and Articles of Organization for borrowing entity10.Two months bank stmt – include LOE for any deposits over 50k11.Condo questionnaire (if applicable)12.Payoff and 6 month payment history for existing lien (if refi)13.LOE on exit strategy (if refi)14.Copy of Purchase HUD (if recent purchase-within a year)15.ACH Form/Voided Check16.Insurance binder and invoice OR paid receipt.•12 Month: Dwelling Coverage of $LOAN AMOUNT or greater – Insurance needsto be under the business name,BUSINESS NAME no exceptions.

“Time is money” applieshere. Let’s get startedright away! Demo,Framing, Mechanicals ...let the fun begin! Followyour Scope of Work andbe diligent on yourtimelines. If you neededsome guidance, call us.


FIX-AND-FLIP/ GROUND UP / ADD-A-LEVELS / COMMERCIAL BRIDGE PROGRAMS

RENTAL LOANS

1.Loan Application2.Borrower Auth for each guarantor3.Title Agent/Attorney – need POC, phone # and email address4.Borrower Experience – include all investment properties purchased/sold/rented within the last 3 years5.Purchase contract6.Lease Agreement (if applicable) + 2 most recent months of rent verification (copy of checks, etc)7.Photo ID8.Operating Agreement, EIN Letter and Articles of Organization for borrowing entity9.Two months bank stmt – include LOE for any deposits over 10k10.Condo questionnaire (if applicable)11.Payoff and 6 month payment history for existing lien (if refi)12.LOE on exit strategy (if refi)13.Tax Bill14.Copy of Purchase HUD (if recent purchase-within a year)15.Property Management Questionnaire16.ACH Form/Voided Check17.Insurance binder and invoice OR paid receipt. Rent Loss Coverage for 6 months - Dwelling Coverage of $LOAN AMOUNTorgreater – Insurance needs to be under the business name, BUSINESS NAME no exceptions.


Before we were lenders, we were borrowers.. As our rehabbing business grew, we realized that there was always something missing.Some things didn’t make sense. So, we decided to create something that would feel great.A company that focuses on bringing rates & terms that would simply disrupt an outdated& at times, greedy industry.[ Hard Money] We focused on lowering rates & fees,while increasing customer service and practical communication. We advice,guide and lend to our clients. We are NOT your average private lender.

WHAT MAKES US DIFFERENT

Low Fees/Rates Fast Decisions PERKS InventoryMastermind Tailored Lending

We're setting thestandard foraffordable rates andsuperb customerservice! As developersand lenders ourselves,we understand yourneeds and howimportant it is formoney to stay in YOURpocket. Our rates areas low as 8.99%.

Our streamlined cloud based systemshelp us provideborrowers withfast quoting anddecision making. Wecontrol our capital,thus the decisionmaking begins andends with us.

We can take care ofyour payments so youcan focus on what’simportant, yourprojects! This alsoallows you to take onmore projects at thetime! We can covermonthly payments,closing costs, andeven down paymentson your next project.

Get pre-approvedwith us and gainaccess to ourexclusive inventory ofprescreenedinventory that isshared within ourFaceBookMastermind Group.A place where ourclients sharepotential wholesaledeals.

Locked up a goodauction deal? Can’tget inside the houseand your currentlender won’t fund it?Worried about losingyour deposit? ArkadCapital will lend ondrive-by appraisals!


OUR PROCESS

Our application processis simple. Our goal is toget to know you andyour past real estateexperience. Ourpaperworkis minimal and onlyrequired once per year.We have NoApplication or CreditReview Fees, etc.

We will provide you withupdated and verifiableproof of funds. We cancustomize it to eachoffer or a blanket line ofcredit. This will allowyou to make moreoffers and get morehouses under contract.

You are now ready tobuy! Outside of your ownmethods of acquiringdeals, we recommendyou to inquire about ourExclusive & FundingReady Inventory of sheriffsale homes deliveredwith Clear Title &Appraisal.

We work closely withthe finest valuatorsin our markets. Perhapsone of the mostimportant steps in theprocess. Weencourage you to bringyour Scope Of Work.Residentialappraisal fees rangefrom $450-$650.

Within 48 hours ofreceiving theappraisal back, we will issue a fundingcommitment thatis as good as cash! Onceissued and signed, ourcapital is allocated andwe can scheduledthe closing ASAP.

The big day is here! Let’smake sure your titleinsurance and liabilitycoverage is properlyobtained. You’ve madeit here and should beproud of you work thusfar. It is time to beginadding value to yourinvestment viarenovations.

“Time is money” applieshere. Let’s get startedright away! Demo,Framing, Mechanicals ...let the fun begin! Followyour Scope of Work andbe diligent on yourtimelines. If you neededsome guidance, call us.

We have a structuredand organized mannerto review and releasemoney related to thework completed. Wework on dollar for dollarrefund basis. Theturnaround fromrequest to receipt ofcapital is around 2-3days.

Value is now added andyou are ready to showthe world your product.Arkad will help you “notleave money on thetable.” We do this byimplementing pricingand sales strategies thatwill fit your investmentby moving it fast.

Time to celebrate!!Once celebrations areover, It is time to focuson your next projectand scale yourbusiness up.

Step 1 Timeto plan aheadStep 2 Let’s do this10x times


OUR REWARDS PROGRAM

Borrowers that have done $3 mill ion inloans with Arkad will get a brand new 15

inch MacBook Pro with with all thespecs as a token of appreciation .

$1 Million

$3 Million

$5 Million

NIGHT IN THECITY

Bor rowers that have done $5mi l l i on i n l oans with Arkad wi l lrece i ve a new engraved RolexWatch as a token of apprec ia t ion .

Borrowers that have done $1 mill ion inloans with Arkad will receive a night outin NYC . Includes dinner , broadwaytickets , and hotel for 2 . Enjoy a nightout in the Big Apple as a token ofappreciation .

MacBook Pro

ROLEX

Bor rowers that have done $7 mil l ionin l oans with Arkad wi l l get the

chance to go on a cru i se of the i rcho ice as a token of apprec ia t ion .

$7 Million

CRUISE

$10 MillionBor rowers that have done $ 10mi l l i on i n l oans with Arkad wi l lge t the chance to go on anamaz ing European as a tokenof apprec ia t ion .

TRIP


GET #FUNDED TODAY!


REALTORS &

WHOLESELLERS

REFERRAL PROGRAM

$500 - $75O PER LOAN CONFIDENIAL & RELIABLE

NETWORKING EVENTS & CLOSINGS

For our upcoming events please visit our Facebook page!

NAHREP: Networking Cruise Mixer

NAHREP : Think Big

Multifamily Foundation Workshop

NAHREP : Deals in Heals

Pitbull Conference

CNJREIG: Raising Private Capital

FEATURED ON: FEATURED ON

@ArkadCAP

@arkad_capital

@ArkadCaptial

YouTube/arkad capital

888-38-ARKAD732-510-9792

[email protected]

TheArkadGroup.com/arkad-capitalArkad.Capital/applicationTheBRRRRmethod.com

107 Park Ave, Plainfield NJ, 07060

PHONE:

EMAIL:

WEBSITE:

ADDRESS:

WHAT ARE OUR CLIENTS SAYING"Working with Arkad on my last project was awesome. Although itwas my first project Dan and Mario were kind enough to walk methrough the loan process which was quick and easy. I willdefinitely be borrowing again soon."

"Working with Arkad has helped make us better investors.They treat us like partners and are always available torespond to questions and offer advice on our deal. We trulyappreciate the Arkad team's professionalism, diligence, andresponsiveness. We'd recommend them as a lender to all ofour investor friends."

"I would recommend Arkad to anyone who sharesthe vision to invest within the real estate market."

"SINCE I DISCOVERED ARKAD, THERE'S NO OTHERPRIVATE LENDER THAT I WOULD GO TO!"

“Over 25 years of experience and 150+ projects later”Arkad... · 888.38.ARKAD 732.510.9792 107...

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Transcript of “Over 25 years of experience and 150+ projects later”Arkad... · 888.38.ARKAD 732.510.9792 107...