Residential Transitional Loan (RTL) Sizer

Apex Point Capital Inc.  |  Effective Date: 1/1/2026

Editable Input
Auto Calculated
1. Quick Application
Some fields will not calculate until the sizer is completed.
—
2. Project Type and Rate Estimator
Project Type
—
Auto-calculated
Estimated Tier
—
From Experience
Points to Lender
Base Rate
—
Auto-calculated
Final Rate*
—
*Rates are subject to change
3. Loan Amounts & Leverages
Review Max Loan Amounts and Leverages, then enter your requested Day 1 Loan Amount.
Day 1Financed BudgetTotal Loan
Max———
Requested——
LTVLTCLTARV
Max———
Requested———
4. Request Tiering Desk Review
Provide General Contractor information and any notes.
—
—
—
—
* Budget must be ≥ $75,000 for Standard+ Rehab
5. Estimated Transactions
Purchase Transaction
Purchase Price$0
Day 1 Loan$0
Down Payment Needed**$0
**Excluding closing costs
Refinance Transaction
Total Payoffs
Day 1 Loan$0
Est. Cash to Cover Closing$0
Enter Total Payoffs here
All terms subject to credit approval. All loans must be solely for a business or commercial purpose and secured by a non-owner-occupied property. Offered by Apex Point Capital Inc. Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. Rates, terms, and conditions are subject to change from time to time without notice.
Rate Table Reference

The row matching your current Tier + Points selection is highlighted in the Loan Sizer tab.

Tier & Points RTL Rate GUC Rate + Rate & Term + Cash Out
Platinum — 1 pt8.75%9.50%9.25%9.75%
Platinum — 0.5 pt9.99%10.74%10.49%10.99%
Platinum — 0 pt10.99%11.74%11.49%11.99%
Gold — 1 pt9.49%10.24%9.99%10.49%
Gold — 0.5 pt10.49%11.24%10.99%11.49%
Gold — 0 pt11.49%12.24%11.99%12.49%
Silver — 1 pt9.99%N/A10.49%N/A
Silver — 0.5 pt10.99%N/A11.49%N/A
Silver — 0 pt11.99%N/A12.49%N/A

* Cash Out Refi not allowed for Silver tier. GUC not available for Silver tier.

Leverage Guidelines by Tier & Project Type
Tier Project Type Max Initial LTC Max Total LTC Max LTARV
SilverBridge No Rehab75%N/AN/A
Light Rehab85%90%75%
Standard Rehab80%85%75%
Super RehabN/AN/AN/A
GUCN/AN/AN/A
GoldBridge No Rehab75%N/AN/A
Light Rehab85%90%75%
Standard Rehab85%90%75%
Super Rehab75%85%70%
GUC50%85%70%
PlatinumBridge No Rehab75%N/AN/A
Light Rehab85%90%75%
Standard Rehab85%90%75%
Super Rehab80%85%75%
GUC50%90%70%
Non-Cumulative Leverage Adjustments

These adjustments are non-cumulative — only the single most restrictive adjustment applies.

ConditionInitial LTCTotal LTCLTARV
Cash-Out Refinance-5%-5%-5%
Foreign National-5%-5%-5%
New York** (most counties)-15%-15%-15%
FL and TX Properties-5%-5%-5%
Non-warrantable CondoLesser of 10% reduction or 65% cap
Bonus Adjustments (Purchase Only)
FICO ≥ 720+5% bonus
Gold or Platinum Tier+5% bonus
Purchase Transaction+5% bonus
Permits Imminent (GUC/Gold)+15% bonus
Permits Imminent (GUC/Platinum)+20% bonus

** NY specific counties may vary. Bronx, Kings, NY, Queens, Richmond = -15%. Nassau, Suffolk = -5%.

Project Type Classification Guide
Project TypeBudget / As-Is Value RatioDescription
Bridge No RehabBudget < 5% of As-Is ValueMinimal or no renovation. Property is stabilized.
Light Rehab5% ≤ Budget < 25% of As-Is ValueCosmetic improvements, paint, fixtures, minor updates.
Standard Rehab25% ≤ Budget < 50% of As-Is ValueKitchen/bath remodel, systems upgrades, moderate renovation.
Super RehabBudget ≥ 50% of As-Is ValueMajor structural work, full gut renovation, additions.
GUCGround-Up ConstructionTear down, vacant land, roof removal, 2+ exterior walls removed.

GLA Expansion override: ≤10% expansion → Standard Rehab minimum; ≤25% expansion → Super Rehab minimum.

All terms subject to credit approval. Rates, terms, and conditions are subject to change from time to time without notice. Offered by Apex Point Capital Inc.