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© G1 Investment, LLC | 2019 - 2023. All rights reserved.
Investment Property
Specialists.
G1 Investment, LLC is a private mortgage bank exclusively focused on financing properties for real estate investors.
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.
Earn Through Incremental Income & Appreciation
Understanding Your Investment Cycle
We will assist with strategy based on your current net worth and investment cycle. Timing and positioning are essential.
Planning For Future Portfolio Growth
Knowing how to forecast a refinance exit when obtaining short-term leverage strengthens overall returns.
Youth Investment Program Series (YIPs1)
We help educate youth about how to make underwriting credit decisions for financial institutions.
Primary 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
The median home price in the sate of Connecticut is $424,700. This equates to a rental market totaling over $484 billion.
Total Rental Units: 731,570
The median home price in the sate of Georgia is $256,962.This equates to a rental market totaling over $185 billion.
Total Rental Units: 708,892
The median home price in the city of Houston is $179,400.This equates to a rental market totaling over $127 billion.
Complete Lending Markets
See the map below for an illustration of the 40 states we currently lend in.
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
Rehab
Temporary Financing for Distressed Properties
Simple Guidelines
- Fix & Flip
- Fix & Rent
- Short Term Options Include
- 12-Months
- 18-Months
- 24-Months
- Interest Only Balloons
- Minimum FICO: 660
- Minimum Loan Amount: $50,000
- Maximum Loan Amount: $25,000,000
- Maximum ARV: 70%
- Rehab Budget Financed 100%
- First-Time Investor - OK
- Up to 90% of the Purchase Price with 7+ like-for-like Rehabs
- Scope of Work Template Provided
- No General Contractor required for cosmetic upgrades
- Property Types: SFR, PUD, Townhomes, Condos, 2-4 Units, Multi 5-8
- Full Recourse
- Minimum Profit Test Required (we require the investor to make a profit)
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_1The 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_2Once 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 TaskYou 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-PullWe 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
| AssetsWe 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
| AppraisalThe 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.