$0 Down Payment Loan

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

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For Value Add/Rehab Projects Only

No ground up construction or land. Will lend up 75% of stabilized value, to include purchase price, rehab budget, closing and carrying costs. This is a TRUE 100% program with $0 down on the loan payment. The only out of pocket expense is for an MAI Appraisal

For example:

  • Purchase Price: $900,000
  • Rehab Budget: $400,000
  • Total Costs: $1,3000,000
  • Stablized Value: $2,000,000

Our Lender will lend on $1,500,000 ($2,000,000*75%). In this scenario, $1,500,000 would cover your Purchase Price, Rehab Budget, and Closing Costs. The only out of pocket expense is for an Appraisal.

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Nationwide Program Details

  • Loan Amounts: $1,000,000 to $10,000,000
  • Property Types: Multifamily, Office, Retail, Mixed-Use, Hotels, Warehouse/Self-Storage
  • Rates: 11 – 12%, Interest Only
  • Term: 12 Month Bridge
  • Lender Points: 5
  • Broker Points: 2


Borrower must meet the following requirements for the $0 Down Payment program, NO EXCEPTIONS:
  • MUST have experience and track record with the property type being purchased
  • MUST show liquidity to make monthly payments after 6 months of interest reserves ends.
  • MUST have a very solid exit strategy to payoff the bridge loan within 12 months.
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100% Financing for the following property types:

Multifamily Units

Office Buildings


Mixed Use

Select Hotels

Warehouses/Self Storage