For loan officers · Broker-friendly
Hard money for loan officers and brokers.
Broker the deal. Keep the client.
When an investor client brings you a deal your shop cannot do, broker it to the 6/6/12 program: rates starting at 10.99%, twelve months interest-only, six months of interest prepaid, and up to 70% loan-to-value in first or second position. You get paid, and the client stays yours.
Investor borrowing for yourself? See the investor page
The program
6
/
6
/
12
6 months
prepayment penalty
6 months
of interest paid upfront
12 months
interest-only term
Rates from 10.99%. Investment property only — never owner-occupied.
01
02
03
04
Step one
What does your client need?
Fix and flip
Buy an investment property fast
Pull cash out of a rental they own
Bridge until they refinance or sell
The term sheet
The terms you can quote your client.
These are the terms that define 6/6/12, written so you can put them in front of an investor without translating. No fine print hiding further down.
Rate
Starting at 10.99%
Interest-only. Credit, lien position and leverage set the final number.
Term
12 months
Interest-only, with the balance due at the end of the term.
Prepaid interest
6 months upfront
Collected at closing, so your client has no monthly payment to carry during the first six months.
Prepayment penalty
6 months
Plan the exit around it. Aaron walks through exactly how it applies before anything is signed.
Leverage
Up to 70% LTV
Available in first or second lien position.
Property
1–4 units & condos
Non-owner-occupied investment property only.
How it works for you
Your client, your deal. We fund the gap.
1. Send the scenario
The address, the price or value, the loan amount, the plan and the exit. Use the form on this page or call Aaron directly. A short scenario is enough to start.
2. Get a number you can take to your client
Aaron prices the deal and tells you plainly whether it fits 6/6/12 — rate, prepaid interest and cash to close — so you can go back to your investor with a real answer.
3. You stay the point of contact
It is your client and your relationship. You decide how involved you want to be; Aaron works the file with you and will never market to your borrower.
4. Close, get paid, keep the refinance
You get paid when the loan closes. When the property stabilizes, the long-term refinance is yours to originate.
Good fits: fix and flips, fast purchases an agency loan cannot close in time, cash-out on a free-and-clear rental, a second lien behind an existing first, and bridges into a DSCR or conventional refinance — the refinance you get to do.
Quick math for your client
What does 10.99% interest-only look like?
$
Monthly interest at the starting rate
$2,748
6 months prepaid at closing
$16,485
Value needed at 70% LTV
$428,571
Balance due at month 12
$300,000
Illustration only, at the 10.99% starting rate. The actual rate may be higher, and points, fees, broker compensation and other closing costs are not included. On a second lien, the existing mortgage counts toward the 70%.
01
02
03
04
Step one
What does your client need?
Fix and flip
Buy an investment property fast
Pull cash out of a rental they own
Bridge until they refinance or sell
Plainly
What to know before you send a deal.
Your employer has to allow it. If you are not sure your employer lets you broker a loan out, check with your compliance team before you send the scenario.
Business purpose and investment property only. No primary residences, no second homes, nothing your client or a family member will occupy. Those borrowers belong in a conventional, FHA, VA or specialty loan.
Every deal needs an exit. The whole balance comes due at month twelve. A sale after the rehab or a refinance once the property stabilizes is the usual plan — and if there is no realistic exit, Aaron will say so on the first call so you are not explaining it to your client at month eleven.
Questions
What loan officers ask first.
You are paid when the loan closes. Aaron goes over the compensation on your specific deal when you send the scenario, so you know the number before your client signs anything.
Yes. The borrower is your client. Aaron will never market other loans to them, and when the property stabilizes, the long-term refinance into a DSCR or conventional loan is yours to originate.
Yes, a broker agreement is signed before the loan closes. If your employer does not allow you to broker loans out, check with your compliance team before sending a deal.
It is shorthand for the three terms that define the program: a 6-month prepayment penalty, 6 months of interest paid upfront at closing, and a 12-month interest-only term. Rates start at 10.99%.
The 10.99% figure is the starting rate for the strongest files. Credit score, first versus second lien position, loan-to-value, property type and location can all move the rate up. You get a specific number once Aaron has the basics of the deal.
Business-purpose loans on non-owner-occupied 1–4 unit residential properties and condos, in first or second lien position, up to 70% loan-to-value, with a realistic exit inside twelve months. Land, commercial and mixed-use properties are outside this program, but send them anyway and Aaron will tell you if there is another path.
Yes. Cali Mortgage works across California and most of the process runs remotely. Property eligibility depends on the specific location, so share the address early.
Cali Mortgage · Roseville, California
Have an investor deal your shop cannot do? Send the scenario.
Send the address, the price, the loan amount and your client’s plan. Aaron will tell you the rate, the cash to close, and whether the numbers work — and you keep the client either way.
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