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FAQs

What states do you lend in?

Loan programs are currently available in AZ, CA, CO, DC, FL, GA, MD, NC, OR, TN, TX, VA & WA with additional availability coming soon. Call (800) 208-2976 if your state is not listed.

What loan products do you specialize in?

We specialize in financing investor rehab properties or other discounted sales where the borrower is purchasing a property at a steep discount to market, repairs the property, and then resells the property for a profit within six months.

Do you have pre-payment penalties?

The minimum interest charge is 30 days, regardless of when the loan is repaid. There are no pre-payment penalties.

Can I hold title in a corporation, LLC or Trust?

The minimum interest charge is 30 days, regardless of when the loan is repaid. There are no pre-payment penalties.

Will you roll the costs of the loan into the loan?

Yes

Do I have to prequalify for every loan?

Yes

Do I have to prequalify for every loan?

No, we perform our borrower underwriting for the first loan and periodically thereafter

Do you offer discount pricing for return borrowers?

Yes, our pricing is dependent on a borrower’s loan volume, quality of collateral, property improvements and timeliness of payments

Do you lend on primary residences?

No, you can’t live in the property securing our loan

If I already own a property and want to improve it for resale, will you finance it?

Yes, so long as you do not reside in the property

Do you provide second lien loans?

What are your lending minimums and limits?

$100,000 and up

Do you offer 100% financing for properties if I find a really good deal?

Borrowers must provide at least 15% down payments. Some restrictions apply. Contact us for more details.

Do you offer financing for the property improvements?

Yes, for select borrowers we offer financing on property improvements once the improvements have been made and inspected by us

How do you determine the value of the property?

Through a third-party appraisal

Are you a direct lender or do you just broker to investors?

We are a direct lender with control of our own funds

Are there any properties you do not lend on?

See CSL Underwriting Guidelines for excluded property types

What types of properties do you lend on?

See CSL Underwriting Guidelines for specific property types

Do you require any up-front fees to underwrite a potential loan?

General Resources

Below are a few helpful resources we have collected. When you do business with Center Street Lending we actively share our expertise and resources providing valuable insight and saving you time and money.