Thunderbird - Wholesale

Eligibility & Property Requirements

PROPERTY TYPES

Single-family homes
2-4 unit investment properties
Short-term / Airbnb / VRBO
Non-owner-occupied only (investment/business use)

BORROWER REQUIREMENTS

Must be a business entity (LLC preferred)
Must own at least one real estate asset or have equity in subject property
No minimum credit score
No income or employment verification

LOAN PURPOSE

Purchase
Refinance
Cash-out refinance
Business-purpose debt consolidation (even credit cards)

Loan Terms

Rate: 14.88% fixed

Term: 36 months (interest-only payments)

Loan Amount: Typically $100,000+ (flexible loan sizes available)

Lien Position:

First position preferred
Junior lien allowed when sufficient equity exists

Use of Funds: Business / investment purposes only

Availability: U.S. states served (list or placeholder)

Property

Costs & Fees

Broker Compensation: 1-2% lender-paid

Borrower Fees:

Inspection fee (paid upfront)
No broker fees charged to borrower
No large lender origination charges

Prepayment Policy

No prepayment penalty after 12 months

If paid off earlier, borrower must cover 12 months of interest

Process Timeline

Instant conditional approval
Inspection in 3-5 days
Underwriting review within 24-48 hours
Closing in as fast as 10 days after file completion

Become a Broker Program Summary PDF