$75,000 to $2,000,000 Aryming will consider loans with a total principal balance greater than $2,000,000 on a case-by-case basis
Residential Business Purpose: 
Fix Loans: 
Bridge Loans:
Single-family residential (1-4 units). No land or ground-up construction 
Maximum Loan Advance Rates: 
Loan advance rates are contingent on loan terms, such as cash-out, loan strategy,
subordination, FICO, and other characteristics.
3 to 24 months remaining; terms longer than 24 months will be considered on a case-by-case basis.
First-position trust deeds and mortgages
United States (excluding South Dakota and Minnesota).
Will not purchase loans for rural properties. Generally, if there are fewer than three sales comps within three miles, the property will be considered rural.
High-rise condominiums in Las Vegas or Florida will not be considered. First-generation condominiums or housing communities will not be considered.
Generally loans with fixed note rates of 8.0% or higher.
Lenders may retain a B-piece or have the option to participate side-by-side with our third party in a pari passu position.
Allowed with intercreditor agreement. All subordinate liens must be co-terminus with or mature after the first mortgage (or deed of trust).
Recourse in the form of a personal guaranty is required for entity borrowers, including trust borrowers. At least one guarantor must be an owner of the borrowing entity. Individual borrowers are allowed
Subject to all properties conforming to the marketplace credit box.
Subject to all properties conforming to the marketplace credit box.
Aryming requires a valuation on all properties. Acceptable forms include appraisals and interior BPOs (broker’s price opinion). You are encouraged to please ask for our approved valuation vendor. Loans over $1,000,000 require an appraisal. Loans with construction reserves require an appraisal for the after-repair value (ARV).
Aryming requires approved third-party construction management to oversee the draw process, including inspections. Upon submission of draw requests, Aryming will collect third-party progress inspection reports, lien releases, and receipts in order to determine approval of draw request. Loans with construction reserves that exceed $250k or 40% of the unpaid principal balance are subject to a higher level of due diligence and require case-by-case approval
Aryming uses a third party to purchase the loans
Individual or U.S. entity required
Minimum credit score of 600 for the borrower/guarantor is required, but exceptions or mitigation may apply on a case-by-case basis.
The borrower/guarantor must be at least one year removed from discharge/dismissal.
Required for all borrowers and guarantors.
A U.S. Citizen or a permanent resident alien. If the borrower is a U.S.-domiciled company, then a Certificate of Good Standing must be provided.
