CCFG Investments now offers a Joint Venture Remodel Program up to 80% ARV. This program is designed specifically for properties needing more than what is considered to be typical cosmetic rehab. For example: adding bedroom(s), bath(s), or living area for additional square footage; moving load bearing walls; major repairs, upgrades, or deferred maintenance; or longer term rehab projects the require permitting. This product provides up to 100% of the total loan costs including purchase price, up to 100% of the rehab budget, six to twelve months of prepaid interest payments, and lender costs; provided that they are no more than 70% of the ARV. The program requires borrowers be prequalified. Only experienced investors with a proven track record are eligible.

Loan Structure:

Lien 1st position - w/ personal guarantee.
LTV 60 to 70% Max (based on ARV appraisal)
Points 4 to 7 and a $2,340 flat fee
Rate 12% interest only
Term 1 year
Interest Reserve Up to 12 months w/ 3 to 9 months non-refundable
Rehab Budget Held in fund control

Joint Venture Partner:

Lien 2nd position as Shared Appreciation Mortgage (“SAM”)
CLTV 70% to 80%* (>70% requires an exception)
Points 4 and a $2,340 flat fee
Rate 12% interest only
Term Up to 12 months
Interest Reserve Up to 12 months w/ 3 to 9 months non-refundable

Profit Split:

(Borrower’s / JV Partner’s Split)
Months Profit Splits
1st - 6th 50% / 50%
7th 45% / 55%
8th 40% / 60%
9th 35% / 65%
10th 30% / 70%
11th 25% / 75%
12th 20% / 80%
  All loans are contingent on
lender approval.


CCFG Investments provides alternative financing solutions for real estate investors, developers, and investment property owners. Our creative and flexible lending programs are the direct result of our involvement in more than 500 million dollars of real estate.

858.456.2423 direct
858.225.3683 fax
2020 Columbia St
San Diego, CA 92101

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