Contact: John Isgrig or Mason Isgrig
Phone:  (828) 216-0409;  Fax:  828-348-4068
jisgrig@alcova.com

Alcova offers a wide variety of both conventional and creative loan financing options.

Just for starters:

1- Fix and Flip Loans at 90% LTV

2 - Investor Cash Flow/DSCR Loans

3 - Commercial  Loans

John Williams III is your Asheville area mortgage broker for Future Home Loans.
(828) 575-7997
jw3@future.loans

Future Home Loans is a veteran-owned mortgage brokerage company providing their customers great rates, fast turn times, and great customer service.  As the local broker here in Asheville, I can help CREIA members with financing solutions for purchasing and refinancing investment properties, whether they be single family homes or multi-unit properties.  Some of the loan programs a real estate investor can obtain with us include no-income verification loans, interest-only payments, cash-out refinances and 1031 exchanges.  

Craig Peters -- your Asheville and Western North Carolina representative for Alfie Loans
828-776-8632
craig@alfieloans.com
info@alfieloans.com

Invest In Your Community

Join us in helping develop a sustainable local economy. We connect real estate entrepreneurs seeking flexible financing solutions with investors seeking profitable investment opportunities for their mutual benefit.

ALTERNATIVE LENDING FOR INSPIRED ENTREPRENEURS

ALFIE gives you the opportunity to put your money to work in your own community -- on Main Street, not Wall Street. The ALFIE platform allows investors to invest in their local community by funding the projects of local real estate entrepreneurs who work with ALFIE for financing. This infusion of money into local economy stimulates growth in the community and creates returns for the investors and profits for the entrepreneurs, which -- when repeated -- strengthens the sustainability for our local economy.

ALFIE OVERVIEW

ALFIE is a real estate collateral-based lender specializing in creative solutions for individuals looking to purchase or refinance a variety of real estate investments. At ALFIE, we recognize that traditional financing isn't always an option or may not be the right fit for your needs. You may be looking for terms a bank can't offer. You may need your money fast. You may have less-than-perfect credit.

That's why we have alternatives.

ALFIE loans are real estate collateral-based. Terms are flexible, with three months to two years for repayment. Best of all, our interest rates are competitive and you can get your money quickly so you can close quickly.

Basic Loan Terms:

• Loans ranging from $100,000 - $5M+
• Term can be from 3 months to 24 months with possible renewal
• 3 month minimum interest payment
• Call for current interest rates
• Minimum 10% down payment
  
  Max Lending Limits:
• Up to 65% LTV/ARV on NOO Residential Projects
• Up to 65% LTV/ARV on Commercial Projects
• Up to 50% LTV on Land Acquisition
• Up to 50% Equity Cash Out Loans on Real Estate

We want our borrowers to succeed!

 Bel Air Lending is a private real estate investment fund that offers secure, high-yield opportunities backed by real estate. They specialize in various real estate ventures, including buy-and-hold strategies, fix-and-flip projects, and new construction loans. Investors benefit from simple annualized interest rates of 10%, accruing until the property is sold or refinanced. The company secures all loans with a first-position lien (Deed of Trust), promissory note, personal guarantees, and builder's risk insurance. Bel Air Lending emphasizes minimizing risk by pledging personal and business assets to guarantee borrower performance. Their team boasts over 180 years of combined experience in real estate and legal domains. The company focuses on the North Carolina market, particularly the Triangle region, which is recognized as a premier real estate market in the United States.

 Carolina Private Money is a hard money lender serving experienced real estate investors in North and South Carolina. They offer financing solutions for fix-and-flip projects and rental properties, providing funds for both property acquisition and rehabilitation costs. Their loan terms include interest rates starting at 12%, loan-to-value ratios up to 65% of the after-repair value, and loan durations ranging from 6 to 12 months. The company emphasizes swift approvals and closings, leveraging their own capital to expedite the lending process without reliance on external loan committees. Borrowers are required to operate through a valid U.S. business entity, such as an LLC, and meet specific credit and financial criteria. Carolina Private Money is committed to facilitating real estate investments by offering flexible and efficient funding options.