El and Em Holdings LLC

Experience the best of New Construction with our updated guidelines!

- NO New Construction experience required
2+ investment properties in the last 3 years
Will consider licensed builder as experience on an exception basis

- Will scale with multiple projects at same time, depending on experience

- 12-month seasoning to utilize land value for equity contribution

- 85% LTC / 75% LTV ARV

- Loan Amounts $100K to $3MM

- 1-4 Units, Multifamily options

- Internal Draw Management

- Internal Feasibility Review

- Fixed & Flat Fees for Draws every time

Don't wait to find a four-leaf clover. Contact us now!

Do you own a commercial building, bare land, or have a combination of commercial space with unused land that’s not generating revenue? We are offering an additional revenue stream for your commercial location and/or land at no cost to you.

We provide;
Complete installation, including permits, equipment, etc.
All scheduled maintenance and upkeep
A GUARANTEED monthly payment based on the anticipated energy to be generated
You do NOT pay us if the energy is less than expected, your payment remains guaranteed to be the same

We offer quick proposals! Please send the address of the property you’d like us to evaluate

What we are looking for;
Commercial buildings
Hotels, strip malls, bare land, convenience stores, multi-family, and much more!
The property will need to generate at least 800kw of energy a month to be eligible. This typically translates into about 1 acre of space (based on the location in the USA. Sunbelt states can be less)

Do you have a commercial building with a large parking lot? We can create covered parking spots all made of solar panels. Get paid for providing a better shopping experience for your clients!

Commercial buildings
Hotels, strip malls, bare land, convenience stores, multi-family, and much more!
Bare Land - We LOVE IT!
Interested to learn more?

Happy Friday! Friendly reminder to everyone that I have a zero-seasoning Cash-Out Loan option available for investment properties that have undergone rehabilitation or are currently in the process of being rehabbed. Feel free to reach out and we can generate terms for you.

🥃 Holiday Bourbon Exchange! 🥃 🎄🎅

Last year was epic!! Please only respond if you are seriously interested. If we learned anything last year its that the earlier you get in, the bigger the return.

Once you respond that you are in, I will send you a PM with instructions. Also, this year we will be sending bottles to TWO people instead of one. So let's go!

Everyone is welcome, let's create some positivity leading up to the holidays! It doesn't matter where you live, anyone can join in the fun. This year we will be buying TWO bottles of bourbon valued at $45 or more and send to two secret bourbon drinkers. 📦

Afterwards, you will receive anywhere from 4 to 30+ bottles in return! It all depends on how many people join. If you're interested let me know and I will send you a PM with the instructions. 📝

💥 Seriously participants only. 💥

We're starting early to account for shipping delays ahead of the holidays. 📆

I used Cask Cartel last year to ship, made it easy and they have fair prices. ✈️🚚🚢🚂

Good afternoon, checking in to let everyone know that we now have up to 40 yr fixed term
For our residential 1-4 unit non-owner occupied properties on both purchase and refinance transactions. Same qualifications as our 30 yr fixed , same 5 yr declining prepay penalty. Let me know if there are scenarios we can generate terms for you on

https://send.cloutzap.com/cevenich

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Breaking News! We have two new programs for land only purchases available

Raw Land purchase, zoned residential, unentitled - 50% LTV on purchase

Raw Land purchase, zoned residential, fully entitled - 60% LTV on purchase

Rates are increasing, so lock them up now! We never require taxes or income docs.

FIX-&-FLIP, BRIDGE

Up to 100% of Purchase
100% of Rehab
7.99%+ Rate
SFR, Multi-Family, Mixed Use
No Experience OK
Up to 75% ARV LTV
$75K - $10MM
Refi or Purchase
620+ Credit preferred
*Commercial by exception


GROUND-UP

Up to 90% LTC
8.99%+ Rate
SFR, Multi-Family, Mixed Use
1 Ground-Up Completed OR 3 Flips Last 3 Years
12 - 24 Months
$75K - $10MM
Refi or Purchase
600+ Credit Preferred


NO-DOC RENTAL

Up to 80% of Purchase
Up to 80% Refi / CashOut
5%+ Rate
SFR, Multi-Family & Portfolio
30 Years Fixed
5/1, 7/1, and 10/1 ARM
1.0+ DSCR
$75K - $10MM
Refi or Purchase
620+ Credit

PSA - we are offering 100% purchase and rehab up to 70% ARV. Borrower qualification are:

- need at least a 620 credit score

- must be able to provide one HUD in personal or entity name for a completed flip. The more experience you have, the better.

Send us your potential deals so we can put together terms for you asap.

Looking to buy some more crypto and looking for suggestions from those that are versed in crypto. Should i buy more doge or shiba while they are down or are there better options?

2021 has been quite an impressive year . We funded over 10.5 million for our wonderful clients this year. Without them, this wouldn’t be possible so thank you for your continued support. Looking forward to doubling that number in 2022.

Here’s a quick overview of our rental program:
Rates as low as 3.875%* - new
No escrow requirements - new
5/1 ARM, 7/1 ARM, and 30-year fixed loans with interest-only options
Up to 80% LTV for purchases and rate and term refi, up to 75% for cash-out refi
2-4plex, attached/detached PUDs, and single-family properties
Minimum 640 FICO with no hard credit pulls

If you have rental loans ready to submit, please don’t hesitate to reach out so we can start locking down terms for you.

Any of my small business owner connections, are you looking to start accepting credit card payments or wanting to save on your
current fee structure, let’s talk about cash discount as it allows more profits each month which will increase your annual bottom line

* * The President has proposed limiting 1031 Exchange tax deferral to a maximum of $500K. The administration says the drastic change is part of the plan to “pay for” the cost of the $1.8 trillion American Families Plan.
This is a direct threat to Section 1031 Exchanges and the proposed limitation will have a severe negative impact on investment real estate and the economy.
You can help. Tell Congress to keep 1031 Exchanges!
Click on the link below to send an electronic letter to Congress. Every letter makes a difference and this group could send 30,000 of them . . . https://take-action.ipx1031.com/ctas/send-message-to-congress?inf_contact_key=f07c02f984a42b4395115c529e072c707e470d92b8b75168d98a0b8cac0e9c09&fbclid=IwAR0E0-CslfmgfMFWHPt7-PSJVIKaBgVHtzKyrQAv6I3fGHJTunv0QeIUjK8

Talk 1031 to Congress Thank you for taking the time to tell your elected representatives NOT to support a repeal or limitation of section 1031. Section 1031 has been a vital tax policy since 1921 and brings immense benefit to our economy and economic wellbeing.

Rates Starting At 5.5%

Points Rolled Into Closing

True Deferred payments - NO payments until loan repays

Loan Between $75,000 - $1,000,000

Up to 100% Loan-to-Cost, Depending On Experience

Up to 75% Loan To After Repair Value

6, 9 and 12 month terms

No Minimum Transaction Experience Required

5 Year Look Back For Experience

Principal's Credit Score Is Above 600

Happy Easter from our family to yours!!!

Now offering 100% of both purchase and rehab up to 70% of the ARV for select markets

Points decreased (based on term and experience)
Ability to advance 10% of budget at closing (not to exceed total closing costs less interest reserves).
Rates decreased as low as 9.99% for previous borrowers (pending term and credit score).
Rate buy downs
10% contingencies removed (pending experience with us)
Ground up Financing is now available for 8, 12 & 18 months

Message me for term sheet

SPRING INTO SAVINGS!!!
Submit a complete Line of Credit application during the months of March and April and the fee will be waived!!!

Other than no fees, why do you want a Line of Credit?
Great Advance Rate: up to 100% Loan-to-Cost
Great Interest Rate: pay 7.99% only on the funded balance AND payments may be deferred (made less often than monthly)
Term: 5 years of term provides lots of time although there are restrictions on adding new projects in the final year (year 5)

Do you qualify for the Line of Credit?
If these are all “Yes”, you should speak with a representative.
A licensed construction contractor or homebuilder
Have profitable single-family construction history
Operate in the continental United States (but not CA, MS, ND, VT or WV)

DISCLAIMER: We are experiencing high demand for Lines of Credit. Requests are processed on a best efforts first-come, first-serve basis*. Regardless of actual closing, so long as a complete application is submitted in March and April the fee will be waived.

Good afternoon,
Any investors looking for Fix and Flip Financing, don't hesitate to reach out as we've got some great new programs hot off the press!!

Rates as low as 9% and 2 points
» Fix And Flips up to 90% LTC / 75% ARV
» New Construction up to 90% LTC / 75% ARV
» Bridge Cash Out/Refi up to 75% LTV
» Term Rental Cash Out/Refi up to 80% LTV

Any small businesses out there needing to capitalize on the second round of PPP funding, let us help you.

We have secured a direct partnership with a FinTech bank that can seamlessly review, approve, and fund these loans quickly, as fast as 24 hours in some cases.