Sunshine Transaction
Services LLC
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Our Programs
Choose From One Of Our Programs
Fix & Flip | New Construction
Whether you are renovating a fix and flip or building new construction, our short term bridge loan provides a first-class experience for any investor. Our signature in-house process and team helps stress-test and evaluate your deal based on risk and profitability. Upon approval, our team will provide you with funds for the construction and acquisition of your project.
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Rental Application
Build wealth and your portfolio of rental properties as an investor and landlord with our rental program which provides long-term financing for your 1-4 family properties. Investors get a first class experience with our in-house process, from processing, underwriting and funding. We custom tailor each loan based on your needs for each property.
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Fix & Flip | New Construction Quote
Complete this form to receive a quote for loan terms and options related to your short term bridge opportunity. Use this for your fix and flips, fix to rents, new constructions, and bridge loan inquiries.
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Rental DSCR Loan Quote
Complete this form to receive a quote within 24 hours for loan terms and options related to your rental property. This is for rental purchases, refinances, cash-out refinances, and short term rentals.
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Pre-Approval Application
Complete your pre-approval application today to better position yourself for the fastest service possible as you are looking at potential opportunities. Along with getting familiar with our team and process, we can get to know you and your lending needs. Enjoy the benefits of having unlimited access to proof of funds letters when making offers, and being pre-approved will expedite your approvals and time to close.
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Proof of Funds
Complete this form to receive a quote for loan terms and options related to your rental property. This for rental purchase, refinance, cashout refinance, and short term rental. Once we receive this information you’ll receive a quote within 24 hours.
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Still Have Questions?
Frequently Asked Questions
What are the terms of your loans?
For our Fix/Flip, New Construction, and Bridge our typical term is 12-18 months depending on the project size. For our DSCR rental loans the term is 30 years with varying options for prepayment penalty and ARM’s with interest only periods if they are desired.
How fast can you close?
For our Fix/Flip, New Construction, and Bridge we will close typically in 2-3 weeks but can close faster with appraisal, title, and other necessary docs in hand. Our Rental DSCR can close in 4-5 weeks. We can close quicker with above-average response times, great organization, and preparation.
What are your interest rates?
Depending on the loan product and duration the rates will vary based on experience, credit, and the overall deal. For our Fix/Flip, New Construction, and Bridge rates are currently between 10-12%. Rental DSCR are between 7.5-9.5%
Do you charge points (aka origination fee) like a typical mortgage and when do I pay them?
We charge 2-3 points on most deals and are dependent on the experience, credit, and loan type. The points are paid up front at closing with your other associated closing costs.
What other fees do you charge for your loans?
Our lender’s legal fee is $1000 and the commitment fee is $995 and a $40 wire fee. For each draw request the draw inspection fee is $250.
Can I use my own appraiser for the valuation on my property?
We hire a vetted third party AMC or appraiser for all of our properties we are lending on. If you have a requested appraiser we can get their license, examples of appraisals, and see if we can get them added on our list of approved appraisers for future appraisals.
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Blog & News
Keep up to date with our latest news and blog posts.