residential investor cash flow

Home Improvement Loan

Investor Cash Flow mortgage program allows you to qualify based on rental analysis to determine property cash flow.

No personal income required to qualify. This saves you from submitting complicated income statements and tax returns.

import React, { useState } from "react"; // RoofImpactLoanPage.jsx // Single-file React component styled with Tailwind CSS // Default export a React component for preview in canvas export default function RoofImpactLoanPage() { const [loanAmount, setLoanAmount] = useState(25000); const [termYears, setTermYears] = useState(10); const [interestRate, setInterestRate] = useState(6.99); const [creditScore, setCreditScore] = useState("Good (680+)"); const [zip, setZip] = useState(33101); const [name, setName] = useState(""); const [email, setEmail] = useState(""); const [phone, setPhone] = useState(""); const [submitted, setSubmitted] = useState(false); // monthly payment (principal + interest) formula: P = r*PV / (1 - (1+r)^-n) function monthlyPayment(amount, annualRate, years) { if (!amount || !annualRate || !years) return 0; const r = annualRate / 100 / 12; const n = years * 12; if (r === 0) return amount / n; const payment = (r * amount) / (1 - Math.pow(1 + r, -n)); return payment; } const payment = monthlyPayment(loanAmount, interestRate, termYears); function handleApply(e) { e.preventDefault(); // In production this would POST to your API or CRM. Here we just simulate. setSubmitted(true); // TODO: integrate with /api/apply or a third-party form provider } return (
{/* HERO */}
PA

PluralAmerica

Roof & Impact Replacement Loans

Protect your home with a Roof & Impact Replacement Loan

Get affordable financing for impact-resistant roof, doors, and window replacements—designed for Florida homeowners. Quick approvals, transparent terms, and funds disbursed directly to your contractor.

  • Impact-resistant products
    Approved financing for windows, exterior doors, and roofing systems that meet Florida code.

 

Lending Parameters

 

Loan Amounts:

$75,000 - $5,000,000

 

Property Types:

Residential, 1-20 Units

Interest Rates:

Range from 4% - 12%

 

Credit Score:

620+ is preferred but can work with any score

LTV/LTC:

Range from 65% - 90%

 

Closing Timeline:

As quick as one weeek to 30 days

Loan Features

 
  • Loans up to $5 million, Minimum loan of $75,000.

  • Qualification based on property cash-flow - DSCR 1.0+

  • No DSCR needed with minimum 700 FICO and max 75% LTV.

  • No personal income or employment information required.

  • Properties can be in LLC’s name.

  • No limit on total number of properties.

  • Purchase and Refinance (Cash-Out or Rate-Term).

  • 40 year fixed interest only available.

  • Non-warrantable condos allowed.

 

 DISCLAIMER: We provide real estate lending and advisory services nationwide. We do not lend or broker loans in states that require financial licenses for lending to specific property classifications. All loans are conditional and subject to qualification requirements being fully met by the borrower. Plural America Capital Fund, is not a United States Securities Dealer, Broker or US Investment Advisor. Any submitted applications, do not guarantee any funding and are subject to final acceptance and approval.