Currency: USD

Investment Property
Specialists.

G1 Investment, LLC is a private mortgage bank exclusively focused on mortgage financing for real estate investors and commercial businesses.

We offer a full suite of mortgage products, from short-term rehab, ground-up construction, short-term bridge, and rental property (DSCR) to commercial property owner and non-owner-occupied mortgages. 

Mortgage Products

Rental Property

1-4 Unit DSCR Rental
Most Flexibility

RENTAL PROPERTY PROGRAM

Professional Investor

5-8 Unit Multi-Family
Cross Collateralized Blanket

PROFESSIONAL INVESTOR

Rehab Basic

1-4 Unit Rehab Projects
Most Flexibility

REHAB BASIC

Rehab Elite

1-4 Unit Rehab Projects
Highest Leverage

REHAB ELITE

Ground-Up Construction

New Development
Most Flexibility

GROUND-UP CONSTRUCTION

Small Balance Commercial

Office, Retail, Warehouse, Strip Mall, Restaurant/Bar, etc.
Owner Occupied Bank Statement Options

SMALL BALANCE COMMERCIAL

Rental Property Program Matrices

Investor Advantage

1-4 Unit DSCR Rental
Most Flexibility

GROW 1 INVESTMENT at a time!

Cash-Flow Advantage

1-4 Unit DSCR Rental
Premium Pricing

GROW 1 INVESTMENT at a time!

Professional Investor

5-8 Unit Multi-Family
Cross Collateralized Blanket

GROW 1 INVESTMENT at a time!

MISSION.

Improve the quality of life for those who face the greatest disparity, by exposing mortgage finance strategies that can be leveraged into mass net worth creation.

We Lend Nationwide

All US States except MN, VT, UT, OR, SD, and ND;
Special Requirements in NV and AZ.

See some of our Markets of Focus

G1 focuses on specific markets where rental property activity is very high and where we have a physical presence. 

Total Rental Units: 836,856

The median home price in the sate of Maryland is $373,264. This equates to a rental market totaling over $312 billion.

Total Rental Units: 214,729

The median home price in the District of Columbia is $545,000.This equates to a rental market totaling over $117 billion.

Total Rental Units: 1,230,897

The median home price in the sate of Virginia is $335,198.This equates to a rental market totaling over $412 billion.

Total Rental Units: 520,642

The median home price in the sate of Connecticut is $326,124. This equates to a rental market totaling over $169 billion.

Total Rental Units: 1,611,400

The median home price in the sate of Georgia is $256,962.This equates to a rental market totaling over $414 billion.

Total Rental Units: 1,380,000

The median home price in the city of Houston is $304,175.This equates to a rental market totaling over $419 billion.

Total Rental Units: 1,141,661

Total Rental Units: 731,570

Total Rental Units: 708,892

Explore Programs

Rental

Permanent Financing for Rental Properties

Simple Guidelines

  • No Income
  • No Employment
  • No Tax Returns
  • No Paystubs
  • No W2s
  • Minimum Loan Amount: $150,000 (some exceptions apply)
  • Maximum Loan Amount: $3,500,000 (some exceptions apply)
  • Minimum FICO: 620
  • Maximum LTV/Minimum Down Payment: 80%/20%
  • Maximum Cash-Out LTV: 75%
  • Short-Term Rental History used in lieu of Market Rent
  • Mortgage Late forgiveness as long as no 60-day lates in last 12-months
  • Bankruptcies Okay
  • Foreclosure Okay
  • Minimum DSCR: 0.75
  • Property Types: SFR, Warrantable Condo, Non-Warrantable Condo, PUD, Townhome, 2-4 Units, 5-8 Units

Value-Add

Rehab


Ground-Up Construction

Small Balance Commercial

Permanent Financing for Commercial Asset Classes

Start The Process

Step 1 | Get Pre-Approved

Secure your Financing Before you go Shopping for a Property!

Our team will pre-approve your mortgage application within 60-minutes of you providing the necessary pre-approval documents. Once you are pre-approved you will receive a Proof of Funds Letter and Term Sheet.

Complete Mortgage Application

Borrower Task_1

The mortgage application should only take about 10-15 minutes to complete. You will provide basic demographic and collateral information. However, it is essential that the mortgage application is completed thoroughly including all Schedule of Real Estate Owned sections. The entire story of the loan hinges on the application.

Upload Bank Statements & Photo ID

Borrower Task_2

Once you complete the mortgage application, you will be prompted to upload 2-months bank statements and your photo ID. Have these ready! Please ensure that you have validated the ending balance in your bank statement to ensure you can document adequate cash to close/reserves.

Credit Report Review

Corporate Task

You will pay and authorize us to order a soft tri-merge credit report so the processor can review your credit history for eligibility. The report costs $18. During the Pre-Approval Review process, we are looking to ensure the borrower has an acceptable credit score with responsible tradeline history.

Underwriting Philosophy

3 C's — Credit | Cash | Collateral

We provide asset-based mortgage financing opportunities. We do not document the borrower's ability to repay the loan. Instead, we document the property's ability to secure the loan through cash flow or appreciation.

Credit

| Soft-Pull

We document the representative credit score reflected in a tri-merge credit report. We also review the basic credit history to confirm the borrower can make payments as agreed.

Cash/Equity

| Assets

We document the borrower's ability to cover the down payment and closing costs through their liquid assets for a purchase transaction or their property equity for a refinance transaction.

Collateral

| Appraisal

The property will serve as the collateral for the loan. We appraise the property to assess its value and ability to secure the loan. The ARV is most important for a Rehab loan and a Condition Rating of C4 or better with minimal to no deferred maintenance is most important for all other transaction types.

We have strategic relationships that give us access to financing options which are difficult for individuals to find.

Troy Smith
G1 Commercial Mortgage
Founder | CEO