Compare Cedar Top loan programs (Texas, non-owner-occupied)
Feature	Fix & Flip Loans	New Construction Loans	Bridge Loans	Transactional Funding	Raw Land Loans	Commercial Hard Money Loans
Best for	Investors buying distressed property to renovate and resell	Builders and investors doing ground-up or spec construction	Acquisitions with little or no rehab	Wholesalers with an end buyer already lined up	Investors acquiring farm, ranch, or undeveloped land	Commercial bridge and value-add scenarios
Rate	Starting at 12%	Rates starting at 12%	Starting at 12%	Flat transaction fee (see below)	Starting at 12%	Starting at 12%
Points	Loan fee of 2 to 4 points	Origination fee of 2% to 4%	Loan fee of 2 to 3 points	1.5% Fee or a minimum of $1,500 to be paid at closing	Loan fee of 2 to 3 points	Loan fee of 2 to 3 points
Loan amount	$50,000-$1,000,000	$50,000-$1,000,000	$50,000-$1,000,000	Contact Cedar Top	$50,000-$2,500,000	$50,000-$1,000,000
Term	6 month initial term with extension provision	Loan term tailored to length of project	6 to 12 month terms (with extension provisions)	24 hour loan, same day funding available	6 to 24 month initial term	6 to 12 month terms (with extension provisions)
Max leverage	Up to 75% of ARV · Up to 75% of ARV	Up to 70% Loan to Value · Up to 90% Loan to Cost	Up to 75% Loan to Value	100% of the entire purchase price and closing costs	Borrow up to 65% of market value	Up to 75% Loan to Value
Property types	Single-family, Multi-family, Commercial, Condo, Townhome	Single-family spec, Multi-family, Build-to-rent, Custom investment builds	Single-family, Multi-family, Short-term rental, Mixed-use	Single-family, Multi-family, Commercial (case-by-case)	Farm land, Ranch land, Undeveloped / raw land, Lots	Retail centers, Office buildings, Retail, Industrial

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