The following is a partial list of programs offered by Xcel Funding LLC with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at .
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
DSCR (Debt Service Coverage Ratio) loans are specialized financing options primarily used in commercial real estate and investment properties. These loans focus on the property's ability to generate sufficient income to cover its debt payments, rather than relying solely on the borrower's personal income. DSCR loans provide real estate investors with a flexible and tailored financing solution that assesses the property's cash flow, making them particularly valuable for income-producing properties and projects.
Business Purpose Construction Loans are short-term loans designed for investors and businesses to fund the construction, renovation, or improvement of investment or commercial properties. These loans provide access to funds in stages as the project progresses, supporting cash flow throughout construction. All such loans are for investment or commercial purposes only, are secured by real property, and are not intended for personal, consumer, or owner-occupied residential use. Upon completion, borrowers may refinance into long-term investment or commercial financing
Flexible financing for real estate investors that falls outside standard agency guidelines. These loans are intended solely for acquiring or refinancing investment properties and may feature alternative income documentation or qualification methods. All loans are secured by real property, business purpose only, and never for personal, consumer, or owner-occupied use.
Designed for self-employed borrowers and investors whose income is best documented through bank statements rather than tax returns. These loans allow access to capital for purchasing or refinancing investment or commercial properties. All loans are secured by real property, for business purposes only, and are not available for consumer or owner-occupied transactions.
Commercial loans are financial products designed to support businesses in various ways, including financing property acquisitions, expansion, or working capital needs. They typically offer more significant loan amounts and longer repayment terms compared to personal loans. Commercial loans can take several forms, such as real estate loans, equipment financing, or lines of credit, each tailored to the specific financial requirements and goals of the business.