Here at A.J.T.M Financial Group, Inc. we take pride in offering many different types of programs for all Borrowers; Commercial and Residential alike. With our large range of Funding and Lending options we were able to help many people over the years. In return, creating a more Efficient and Effective way we do business.

​Below is a list of the programs we offer here at A.J.T.M Financial Group, make sure to check back as our programs may change and update frequently.

OUR CURRENT PROGRAMS

           Our Stated Income and Stated Asset Loan Highlights:

  • Lowest rates available 
  • Min. Loan $75,000 
  • Max LTV 80%
  • 30-year Fixed Terms and interest only 
  • Lending Area Nationwide
  • Property Types: Commercial and Residential Investment Properties 
  •  
    Our Fix and Flip, Fix and Lease Loan Highlights:

  • Min. Loan $75,000 
  • Max LTV 100% of purchase and 100% of rehab. 
  • Not to Exceed 75% of ARV 

           New Construction Lending; Construction Guidelines
          
  • Purpose: Ground-Up Commercial Construction Developments only
  • Eligible Property Types: All commercial property types considered
  • Experience: Prior construction experience highly preferred
  • Loan: Construction to Permanent
  • Construction Period: Interest accrued during construction & stabilization periods
  • Recourse: Non-Recourse Personally with Bad Boy Clauses
  • Pre-Payment Penalty: None
  • Loan to Cost: LTC  85%
  • Down Payment: 15% can be a combination of cash, equity partners, bonds, etc.
  • Project Status: Must be shovel ready or will be within 90 days
  • General Contractor: Must have similar projects completed successfully and be licensed, insured, & bonded
  • Debt Service Coverage Ratio: DSCR of 1.25x upon project stabilization
  • Credit Score: No Minimum Score Required

  • We also provide funding for the Cannabis Industry!!!
     
    New Construction for Residential Investment Properties!!!
     
    Getting your new construction project financed doesn't need to be difficult. In addition to funding up to 100% of your construction costs, AJTM offers competitive rates and flexible terms that make the financing easy, so you can put your effort into building.

  •  Borrow up to 100% of construction costs, 75% of ARV
  •  Interest-only payments
  •  Potential to defer loan costs, including interest
  • Minimum 650 FICO requirement