Why These Criteria?

At PrimeX Capital, we emphasize smart investment strategies, which is why these specific criteria are designed to maximize your success in real estate investing. Here’s why:

Why Homes Below the FHA Cap? Homes priced below the FHA cap are statistically more stable and less prone to drastic value fluctuations or depreciation. Properties within this range tend to attract a broader and more resilient buyer pool, offering greater market stability and quicker sales potential.

Why 1-4 Units? Investing in 1-4 unit properties expands your market reach to include a larger demographic of potential buyers, including those eligible for FHA loans. This flexibility increases your ability to attract more offers and makes your investment more appealing to a wide array of buyers.

Why Price Your Home at or Below FHA Requirements? FHA loans open the door to home ownership for first-time buyers who may not qualify for conventional financing. By targeting this price point, you broaden your buyer pool, enhance your property’s marketability, and position yourself for a faster sale.

Why Smaller Homes with No More Than 5 Bedrooms and 3 Baths? Market trends indicate that Millennials and Boomers will dominate the real estate landscape in the coming years. Millennials prefer smaller homes as they begin their journey into home ownership, while Boomers are downsizing for simplicity. As Candace Taylor of The Wall Street Journal noted, “These days, buyers of all ages eschew large, ornate houses… in favor of smaller, more modern-looking alternatives.”

Why Less Than 1/2 Acre? Both Boomers and Millennials value properties with less upkeep. Boomers seek manageable spaces as they age, while Millennials prefer affordability and simplicity as they establish their lives. Smaller lots translate to lower maintenance and costs, making them ideal for these target demographics.

At PrimeX Capital, we believe in “investing made simple.” These guidelines align with market trends and offer you the best opportunity to maximize returns while minimizing risks in real estate investing!

Lending Criteria

The foundation of every successful fix-and-flip project begins with finding the right real estate property. To simplify this process, we’ve created a straightforward 5-point guide designed to help you identify the “sweet spot” deal—one that maximizes your potential for profit while safeguarding your investment.

At PrimeX Capital, our mission is to fund projects that offer you the greatest opportunity for success. That’s why our lending criteria are built around these five essential points:

Not available where prohibited by law, or in states where PrimeX Capital does not operate. Loans are available only on non-owner occupied real property. This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. PrimeX Capital reserves the right to amend rates and guidelines.

NMLS # 1760709; Arizona Mortgage Broker License #0950084; California Finance Lenders License #60DBO-101344. Loans are also available in California through PrimeX Capital’s authorized entities. For further details, please refer to the applicable NMLS Consumer Access Page.

Disclaimer: The above statements are not and shall not, under any circumstances, be construed as a commitment on the part of PrimeX Capital to provide any financing. PrimeX Capital shall be under no obligation to fund any loan to any borrower unless and until it is satisfied, in its sole and absolute discretion, with its due diligence review and formal loan documents prepared by its counsel.