$0 Down Payment Loan

GenWealth’s $0 Down loans are a great option for people looking to do building rehab work or additions. For those who qualify, zero down renovation loans are one of the easiest ways to open up opportunities for a successful rehab project.

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For Value Add/Rehab Projects Only

GenWealth Capital offers two maximum LTV products that will allow minimum funds required for Closing.

95% Loan to Cost Program

  • 95% Loan to Cost program is for Multifamily, Industrial (Warehouse/Self Storage), and Medical Office (including Assisted Living Facilities). Loan amounts range from $1,000,000 to $15,000,000. This loan program will pay for the purchase, rehab, and closing costs of the loan, up to 75% of the stabilized value. Borrower would be required to put down 5% of the total costs. Also, lender will allow a 12-month interest reserve to be rolled into the loan to where your first payment would not start until month 13!

For example:

  • Stabilized Value: $4,000,000
  • Maximum Loan Amount: $3,800,000
  • Purchase Price: $2,000,000
  • Rehab Budget: $500,000
  • Origination Costs (Broker & Lender): $175,000
  • 12-Month Reserves (8% interest): $214,000
  • Total Costs (Excluding 3rd party fees, such as appraisal): $2,889,000
  • Loan Amount: $2,455,650
  • Cash Due from Borrower: $433,350

In this scenario, the loan amount would cover the Purchase Price, Rehab Budget, Origination Costs, and 12-Month Reserves. This is a very competitive loan. In a typical scenario, most lenders will only cover 95% of the LTC, excluding closing costs. For this same scenario, with a 12-month reserve, our loan program can help save over $50,000. 

100% Financing Program

  • 100% financing or 100 LTV program is available for 1-4 unit properties from $75,000 to $1,000,000. Lender will lender up to 70% of the after repair value, which would cover the purchase price and rehab. The only out of pocket costs would be for Closing Costs.

For example:

  • Purchase Price: $500,000
  • Rehab Budget: $75,000
  • ARV: $830,000

Our rehab financing lenders will provide a loan up to $581,000 ($830,000*70%). In this scenario, $581,000 would cover your Purchase Price and Rehab Budget.



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95% Loan to Cost Program

95% loan to cost available for Multifamily, Industrial, and Medical buildings. This is capped at 75% of the stabilized value (60% of the stabilized value for Assisted Living). 

  • Loan Amounts: $1,000,000 to $15,000,000
  • Property Types: Multifamily, Industrial, and Medical
  • Lending Area: Nationwide
  • Rates: 8-9%, Interest Only
  • Term: 18-24 Month Bridge Loan
  • Lender Points: 3-5
  • Broker Points: 2
  • 6 to 12 month interest reserve rolled into the loan to allow more time before your 1st payment.
  • Does not cover Ground Up Construction

Apply Online or Contact Us for more information. Click Contact Us to reach our online form. See below for requirements.

100% Financing Program

100% financing for single-family residences. This is capped at 70% ARV and is dependent on experience, credit, and location of the property.

  • Loan Amounts: $75,000 to $1,000,000
  • Property Types: Single-Family Residences
  • Lending Area: Ask for details
  • Rates: 9.99%-12.25%, Interest Only
  • Term: 4 to 12 Month Bridge Loan
  • Lender Points: 2
  • Broker Points: 2
  • Bank Statement Programs for TX, TN, FL. If the property is located in a major metro in Texas, no appraisals are needed 

Apply Online or Contact Us for more information. Click Contact Us to reach our online form.



Borrower must meet the following requirements for the 95% Loan to Cost program:
  • MUST have experience and track record with the property type being purchased
  • MUST show liquidity to make monthly payments after the interest reserves end
  • MUST have a very solid exit strategy to payoff the bridge loan within 12-24 months
  • MUST have a town population of 100,000 or more
  • Equity MUST to come from the Sponsor. For this particular program, seller cannot carry a 2nd. If a Seller 2nd is needed, you will to qualify for our other loan products.
    Borrower must meet the following requirements for the 100% Financing program:
    • MUST show liquidity for reserves. Typically, we expect you to have 8%-15% of your loan total as cash-on-hand or at least 4-6 months of interest payments.
    • MUST have a very solid exit strategy to payoff the bridge loan within 6 to 12 months.
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