Chaja Lending Loan Programs

Explore Our Loan Programs

Fix & Flip

Loan Amount: $75k - $3M
Term: 12 - 36 months
Max LTV: 90% (up to 100% CLTV)
Down Payment: 10%
Min. Credit Score: 600+
Rate: ~9.99%
Points: 2-4
Property Types: 1 - 20 units
Exp.: None required
Closing: 7 - 14 days

Bridge/Hard Money

Loan Amount: $50k - $3M
Term: 12 - 36 months
Max LTV: 75% (up to 90% CLTV)
Down Payment: 25%
Min. Credit Score: 600+
Rate: ~9.99%
Points: 2-4
Property Types: 1 - 100 units
Exp.: None required
Closing: 10 - 14 days

Commercial Fix & Flip

Loan Amount: $250k - $10M
Term: 12 - 24 months
Max LTV: 80% (up to 100% CLTV)
Down Payment: 20%
Min. Credit Score: 650+
Rate: ~9.99%
Points: 2-4
Property Types: 5+ units
Exp: 1 project in last 3 years
Closing: 14 - 21 days

100% Fix & Flip

Loan Amount: $50k - $3M
Term: 12 - 36 months
Max LTV: 100%
Down Payment: N/A
Min. Credit Score: 680+
Rate: ~9.99%
Points: 2-4
Property Types: 1 - 4 units
Exp.: None required
Closing: 10 - 14 days
Restrictions: Only pay CCs

DSCR Loans

Loan Amount: $75k - $3M
Term: 5 / 7 / 10 30 years
Max LTV: 80% (up to 90% CLTV)
Down Payment: 20%
Min. Credit Score: 650+
Rate: ~5.99%
Points: 1-3
Property Types: 1 - 100 units
Exp: None required
Closing: 14 - 30 days

Ground-Up Construction (GUC)

Loan Amount: $100k - $20M
Term: 12 - 24 months
Max LTV: 85% (up to 100% CLTV)
Down Payment: 15%
Min. Credit Score: 660+
Rate: ~9.99%
Points: 2-4
Property Types: 1 - 100 units
Exp: 2+ GUC in last 3 years
Closing: 10 - 14 day

Commercial Loans

Loan Amount: $100k - $50M
Term: 5 / 7 / 10 / 30 years
Max LTV: 70% (up to 90% CLTV)
Down Payment: 30%
Min. Credit Score: 660+
Rate: ~5.99%
Points: 1-3
Property Types: 5+ units
Exp: 1 project in last 3 years
Closing: 21 - 45 days

Land Loans

Loan Amount: $50k - $3M
Term: 12 - 36 months
Max LTV: 75% (up to 100% CLTV)
Down Payment: 30%
Min. Credit Score: 650+
Rate: ~9.99%
Points: 2-4
Restrictions: No rural land
Closing: 10 - 14 days