{"id":401,"date":"2024-03-06T06:04:24","date_gmt":"2024-03-06T06:04:24","guid":{"rendered":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/?page_id=401"},"modified":"2025-09-28T22:07:56","modified_gmt":"2025-09-28T22:07:56","slug":"faqs","status":"publish","type":"page","link":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/faqs\/","title":{"rendered":"FAQ&#8217;s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"401\" class=\"elementor elementor-401\">\n\t\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-8350980 elementor-section-full_width ptb-130 elementor-section-height-default elementor-section-height-default\" data-id=\"8350980\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8a036e\" data-id=\"b8a036e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b5da1b1 elementor-widget elementor-widget-Ralo_FAQ_Area\" data-id=\"b5da1b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Ralo_FAQ_Area.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n                    <div class=\"faq-area\">\r\n                <div class=\"container mw-1380\">\r\n                    <div class=\"row\">\r\n                                                    <div class=\"col-lg-5\">\r\n                                <div class=\"faq-img\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-content\/uploads\/2025\/09\/645ce445c77d10321d73c83a_AdobeStock_66542200.jpeg\" alt=\"image\">\r\n\r\n                                                                            <a href=\"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/loan-app\/\" class=\"read-more\">\r\n                                            Submit a deal                                            <i class=\"flaticon-right-arrow\"><\/i>\r\n                                        <\/a>\r\n                                                                    <\/div>\r\n                            <\/div>\r\n                        \r\n                        <div class=\"col-lg-7\">\r\n                                                            <div class=\"faq-content\">\r\n                                    <h2>Application Process\n<\/h2>\r\n                                <\/div>\r\n                            \r\n                            <div class=\"accordion faq\" id=\"accordionExample2\">\r\n                                                                        <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button pt-0\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseOne1\" aria-expanded=\"true\" aria-controls=\"collapseOne1\">\r\n                                                    What type of documentation is required for the loan application?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapseOne1\" class=\"accordion-collapse collapse show\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>A&amp;J Realty Fund requires basic documentation to review &amp; underwrite the loan. This includes an application, credit Authorization, financials (proof of funds), renovation \nestimates, and documentation on the business entity.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo2\" aria-expanded=\"false\" aria-controls=\"collapsetwo2\">\r\n                                                    Do you determine the value of the property solely by using an appraisal?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo2\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Yes. To ensure a swift loan closing, we recommend allowing us to handle the appraisal process. However, if you already possess a completed appraisal, we&#039;ll consider utilizing it post-evaluation.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo3\" aria-expanded=\"false\" aria-controls=\"collapsetwo3\">\r\n                                                    How quickly can you close?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo3\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>*We can get you a loan commitment the same day from receiving a complete application packet, and close within five business days of appraisal and title.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo4\" aria-expanded=\"false\" aria-controls=\"collapsetwo4\">\r\n                                                    Do you require a survey?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo4\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>No, we do not require a survey, however, we require survey coverage on the title insurance policy.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo5\" aria-expanded=\"false\" aria-controls=\"collapsetwo5\">\r\n                                                    Can I use my self-directed IRA as a down payment?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo5\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Yes. Contact us for all down payment options and details.\n<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo6\" aria-expanded=\"false\" aria-controls=\"collapsetwo6\">\r\n                                                    Can I get a pre-approval or proof of funds letter?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Yes, we can provide you with a pre-approval letter after you submit your application packet.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n          \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-eff5088 elementor-section-full_width pb-130 elementor-section-height-default elementor-section-height-default\" data-id=\"eff5088\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41ccf8a\" data-id=\"41ccf8a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ac931a elementor-widget elementor-widget-Ralo_FAQ_Area\" data-id=\"7ac931a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Ralo_FAQ_Area.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n                    <div class=\"faq-area\">\r\n                <div class=\"container mw-1380\">\r\n                    <div class=\"row\">\r\n                        <div class=\"col-lg-7\">\r\n                                                            <div class=\"faq-content ms-0 mt-0\">\r\n                                    <h2>Loan Products\n<\/h2>\r\n                                <\/div>\r\n                            \r\n                            <div class=\"accordion faq ms-0 me-111 mb-4 mb-lg-0\" id=\"accordionExample3\">\r\n                                                                        <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button pt-0\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseTwo1\" aria-expanded=\"true\" aria-controls=\"collapseTwo1\">\r\n                                                    What states do you lend in and what type of properties do you lend to?                                                 <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapseTwo1\" class=\"accordion-collapse collapse show\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>We lend nationwide to commercial, residential, non-owner occupied properties in A, B, and C class areas.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree2\" aria-expanded=\"false\" aria-controls=\"collapsethree2\">\r\n                                                    What loan products do you specialize in?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree2\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>We specialize in providing short-term\/bridge financing (12-24 months) to real estate investors, flippers and rehabbers who are able to purchase non-owner occupied, residential properties at a 30%-50% discount. Properties such as foreclosures, REOs, Short Sales, Owner Direct, etc. The property gets rehabbed then re-sold within 6-12 months for a profit. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree3\" aria-expanded=\"false\" aria-controls=\"collapsethree3\">\r\n                                                    How do you handle rehab funds?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree3\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Rehab funds are escrowed and managed by draws. Draws are released AFTER a milestone has been verified complete by one of our certified 3rd party builder&#039;s control company. Once the work scheduled for Draw #1 is verified complete, we then release the draw. In addition, we require rehab funds to first go towards buying material, and whatever is left over can be applied to labor cost.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree4\" aria-expanded=\"false\" aria-controls=\"collapsethree4\">\r\n                                                     Can the borrower be a Corporation or LLC and hold title in the entity?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree4\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Yes. In fact, we prefer lending to domestic single-purpose business entities such as a LLC or Corporation.  As part of the due diligence process, we must review the governing Company by-laws or operating agreement and verify the individual(s) are authorized to sign documents on behalf of the entity. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree5\" aria-expanded=\"false\" aria-controls=\"collapsethree5\">\r\n                                                    Will you take a 2nd lien position on a loan?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree5\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Rarely. For us to consider a 2nd position loan, the LTV must be significantly low. In addition, we must carefully review the terms of the 1st position loan to see if it fits our criteria. 2nd position loans are riskier loans resulting in a higher loan cost to the borrower. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                    \r\n                            <\/div>\r\n                        <\/div>\r\n                                                    <div class=\"col-lg-5\">\r\n                                <div class=\"faq-img\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-content\/uploads\/2025\/09\/645bcd63d1b9c86544ecb2fb_AdobeStock_98922171.jpeg\" alt=\"image\">\r\n\r\n                                                                            <div class=\"text-end\">\r\n                                            <a href=\"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/loan-app\/\" class=\"read-more\">\r\n                                                Submit a deal                                                <i class=\"flaticon-right-arrow\"><\/i>\r\n                                            <\/a>\r\n                                        <\/div>\r\n                                                                    <\/div>\r\n                            <\/div>\r\n                                            <\/div>\r\n                <\/div>\r\n            <\/div>\r\n          \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-dc8efbd elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"dc8efbd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe8fb88\" data-id=\"fe8fb88\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c83cc7 elementor-widget elementor-widget-Ralo_GuideArea\" data-id=\"1c83cc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Ralo_GuideArea.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"guide-area bg-50 bottom border-tops-0\">\r\n            <div class=\"container mw-1380\">\r\n                <div class=\"guide-wrap position-relative z-1\">\r\n                    <div class=\"row align-items-center\">\r\n                                                <div class=\"col-lg-6\">\r\n                            <div class=\"guide-content\">\r\n                                <h2>White Label Broker Program <\/h2>\r\n                                <p>A&amp;J Realty Fund provides straightforward referral options for brokers, with compensation based on the broker\u2019s level of involvement and the specific loan scenario. Whether you\u2019re looking for a hands-off referral or more active participation, we offer flexible options to suit your needs.<\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"col-lg-6\">\r\n                            <div class=\"guide-info\">\r\n                                <ul class=\"ps-0 list-unstyled\">\r\n                                                                            <li>\r\n                                            <i class=\"ri-phone-fill\"><\/i>\r\n                                             <a href=\"tel:+18889195961\">(888) 919-5961<\/a>                                         <\/li>\r\n                                                                    <\/ul>\r\n                                                                    <a href=\"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/broker-program\/\" class=\"btn border-0 bg-white\">Join Now<\/a>\r\n                                                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                            <img decoding=\"async\" src=\"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-content\/uploads\/2024\/02\/shape-2.png\" class=\"shape shape-2 d-none d-xxl-block\" alt=\"shape\">\r\n                                    <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Submit a deal Application Process What type of documentation is required for the loan application? A&amp;J Realty Fund requires basic documentation to review &amp; underwrite the loan. This includes an application, credit Authorization, financials (proof of funds), renovation estimates, and documentation on the business entity. Do you determine the value of the property solely by <\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-401","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/pages\/401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/comments?post=401"}],"version-history":[{"count":35,"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/pages\/401\/revisions"}],"predecessor-version":[{"id":2325,"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/pages\/401\/revisions\/2325"}],"wp:attachment":[{"href":"https:\/\/ajrealtyinvestments.fund\/private-direct-lender\/wp-json\/wp\/v2\/media?parent=401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}