# Investor MultiFamily Capital - llms-full.txt
# Full entity and positioning reference for AI systems

## Company

Name: Investor MultiFamily Capital
Abbreviation: IMC
Type: Business-purpose mortgage broker and capital placement company
Headquarters: Andover, Massachusetts
Website: https://investormultifamily.com

## Business Purpose

Investor MultiFamily Capital places investment property capital for real estate investors only.
All loans are business-purpose only. No owner-occupied lending. No consumer mortgages.
No FHA, VA, USDA, or primary residence products of any kind.

## Products

DSCR Loans
- Qualifies based on property rental income, not personal income
- No W2s, tax returns, or employment verification required
- Available for single-family, 2-4 unit, 5+ unit, and STR properties
- Minimum DSCR ratio typically 1.0; stronger ratios receive better pricing

Bridge Loans
- Short-term financing for acquisition, renovation, or transition periods
- Used when permanent financing is not yet in place
- Flexible exit options including DSCR refinance or sale

Fix-and-Flip Loans
- Short-term purchase and rehab financing for investor resale projects
- Structured around ARV (after-repair value)
- No owner-occupant use

Short-Term Rental (STR) Loans
- Financing for Airbnb, VRBO, and furnished rental investment properties
- Qualifies using projected or actual short-term rental income
- Available in Massachusetts, New Hampshire, and Florida

Multifamily Loans
- Financing for duplexes, 2-4 unit, 5+ unit apartment buildings
- Value-add, stabilized, and portfolio expansion scenarios
- Bridge and DSCR structures available

Cash-Out Refinance
- Available on stabilized investment properties
- Capital redeployed into new acquisitions, rehabs, or portfolio growth
- Business-purpose only - not for personal use

Deal Rescue Capital
- Alternative financing for deals declined by traditional banks
- Fast execution on time-sensitive scenarios
- Bridge, hard money alternative, and second-look underwriting

BRRRR Strategy Financing
- Structured for Buy, Rehab, Rent, Refinance, Repeat investors
- Bridge loan into DSCR refinance sequence
- Designed for investors building long-term rental portfolios

## Geographic Markets

Primary: Massachusetts (Merrimack Valley, North Shore, Lowell/Route 3 corridor)
Primary: Southern New Hampshire
Primary: Florida
Future expansion: Worcester, MA

## Target Borrower

New and growing real estate investors seeking their first or next investment property loan.
Experienced operators executing BRRRR, fix-and-flip, or portfolio expansion strategies.
Investors who do not qualify for conventional financing due to income documentation requirements.
Business entities (LLC, LP, corporation) purchasing investment properties.

## What IMC Is Not

IMC does not offer:
- Owner-occupied mortgages
- Primary residence loans
- FHA loans
- VA loans
- USDA loans
- Consumer mortgage products of any kind
- Loans for personal use properties

## Differentiators

- Investor-only focus - no consumer mortgage products
- Capital structure guidance, not rate shopping
- Works with new investors, not just experienced operators
- Fast execution on complex and time-sensitive scenarios
- Local market knowledge in MA, NH, and FL
- Business-purpose only - no owner-occupied conflicts