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Residential
Loan Programs

Matrix Capital offers a full spectrum of real estate financing solutions tailored to meet the diverse needs of investors, developers, and property owners.
From rapid acquisition and renovation loans to short-term and bridge financing, our programs are built for speed, flexibility, and security — empowering clients to seize opportunities and optimize returns.

Each loan is backed by disciplined underwriting, competitive LTV ratios, and transparent terms, ensuring confidence at every stage of the investment cycle.

Efficient

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Professional

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Flexible

現代別墅

Acquisition 

Acquisition Loan

Up to 75% Loan-to-Value (LTV)

Short term 1-6 Months

Loan Amount: Up to 5M

No Prepayment Penalty

No Proof of Income Needed

Fix & Flip Loan

Up to 80% Loan-to-Value (LTV)

100% Coverage of Fixed Costs

Term: 6–12 months

Approval Time: 7–10 days

Loan Amount: $500,000 – $3,000,000

No Prepayment Penalty 

帶壁爐的家庭間

Fix & Flip 

公寓陽台

ltra Short-Term Bridge

Ultra Short-Term Bridge Loan

Ultra Short-Term Loan: 7–30 Days

Loan Amount: $500,000 – $30,000,000

Approval Within 3 Days

Applicable to Single-Family, Multi-Family, and Commercial Properties

Foreign Payments Accepted

No Prepayment Penalty

Short-Term Bridge Loan

Up to 70% Loan-to-Value (LTV)

Short Term: 1–6 Months

Loan Amount: $500,000 – $30,000,000

Approval Time: 3–7 Days

Applicable to Single-Family, Multi-Family, and Commercial Properties

Flexible Early Repayment

No Income Verification Required

Credit Score: FICO 620+

公寓樓

Short-Term Bridge

現代木屋室內

Residential Bridge

Residential Bridge Loan

Loan Amount: $500,000 – $5,000,000

Loan-to-Value (LTV): Up to 75%

Loan-to-Cost (LTC): Up to 85%

Loan Term: 1–12 Months

Interest Rate: Starting from 7%

Prepayment: No Penalty

Collateral Type: 1–4 Unit Residential Properties

Approval Speed: Funding in as fast as 3 days

Coverage: Available Nationwide

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