Loan Programs | Soft Money Lending for Real Estate Investors

Soft Money Lending: A Long-Term Financing Solution for Real Estate Investors

Soft money lending is a new type of long-term loan program that is fastly becoming the leading solution used by real estate investors for their investment properties.

A soft money loan incorporates many of the benefits of hard money lending, however, instead of a program structured around the property, it is based on the borrower’s credit score, investing history, and liquid assets. This is a program that reflects the needs of investors who require a lot of cash and significant financing in the long term.

While it requires more documentation than hard money lending, it is easier to apply for a soft money loan and get approval for than a bank mortgage or traditional lending institutions. These types of loan programs are a quick, affordable, and secure form of private money lending that benefits both the borrower and the lender.

Soft money lending is applicable for a majority of investment property types, such as single-family, multi-family, commercial, mixed-use, office, retail, etc, as it can fund various projects ranging from reconstruction, rehab, tenancy, and equity growth.

This loan program is a growing form of private money lending that is opening the doors and reaching new heights as it lowers the barrier to entry in real estate investment by making it more accessible and reasonable for everyone involved.

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Loan Terms for Soft Money Loans

Soft money loans are a popular financing option for real estate investors looking to invest in multifamily properties. At Kings of Capital, we offer soft money loans as an alternative capital source for investors.


• Blanket Loan Options Available

• Single-family, condos, townhomes, multi-family, Commercial

• $75K – $5M

• Up to 80% LTV

• 30-Year Fixed-Rate Loans

• 5/1, 7/1, 10/1 ARM Loans

• No W-2s required

• Rates 4.99% - 9.9%*

• Purchase, Refinance, or Cash Out

Benefits of Soft Money Loans for Real Estate Investors

Ready to get started with a Multifamily lending specialist?

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Get Started Today: Apply for a Soft Money Loan with Kings of Capital

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