UBI Group | Unlocking Property Equity

Why UBI Group for Value-Add

Reno + acquisition. One facility.

We underwrite to the business plan — acquisition basis, scoped renovation, projected stabilized cash flow. One credit memo, one lender, one closing.

LTC up to 75% on Acq + Reno

Combined leverage across purchase and renovation. Total project basis, one number.

Interest Reserve Included

Sized to your business plan timeline. Cash service handled by the facility.

Draw Schedule per Scope

Funding tracks the GC schedule. Inspections are fast — typically same-week.

No Income Docs (DSCR-Style)

We underwrite the asset and the plan, not your personal tax return.

12–36 Month Terms

Term-matched to the value-add timeline. Extensions available on performance.

Exit Options — Agency or Perm

Take-out paths discussed at term sheet. Smooth handoff to GSE or balance-sheet perm.

Single Point of Contact

One deal manager from term sheet through final draw. No handoffs.

Frequently Asked

Value-add multi-family, structured straight.

LTV is loan as a percentage of property value. LTC is loan as a percentage of total project cost (purchase + renovation + closing costs). On value-add we underwrite both — LTC controls during construction, LTV at stabilization.

Reno is funded via draws against a holdback. You submit a draw request with paid invoices and lien waivers; we inspect (typically same week) and fund. Most deals run on a five- to eight-draw schedule.

For projects above ~$250K in scope, yes — a signed contract with a credentialed GC, scope of work, and budget detail. Owner-managed renovations are case-by-case for sponsors with documented track record.

First draw typically funds within 5–7 business days of completed inspection. Subsequent draws move faster as the file is established.

Recourse is standard on value-add. Non-recourse with standard bad-boy carve-outs is available at lower leverage and for stronger sponsors. Burn-off-to-non-recourse on stabilization can be structured.

Plan to underwrite 1.25x at stabilization on agency-style take-out. We will work backward from the exit DSCR to size the bridge — the take-out lender determines this number, not us.

Yes. The whole point of bridge is sub-1.0x going-in coverage. We size the interest reserve so the asset services itself through the value-add window, and underwrite to stabilized DSCR for the take-out.

Standard recourse on most value-add. Non-recourse available with bad-boy carve-outs at lower leverage. Recourse can convert to non-recourse on documented stabilization for some sponsors.