Frequently Asked Questions

Apple Valley Capital Group provides short-term loans for fix-and-flip and fix-and-hold/refinance real estate projects in Ohio.

We are located in Northeast Ohio. While our properties are based in Ohio, our lenders come from all across the United States.

We take pride in our quick turnaround times. You can expect to hear back within 24 hours.

All borrowers are required to borrow as a business entity and provide a personal guarantee.

No. We do not lend on owner-occupied properties. However, if you own a property you wish to refinance for repairs—and it is not occupied—we are happy to assist.

Our standard loan term is 12 months.

We offer loans up to a 65% LTV, based on the property’s after-repair value (ARV).

Interest is calculated using a daily interest rate. The formula for this calculation is: Principal Amount × Daily Interest Rate (Interest Rate ÷ 365) × Number of Days in the Month For example, if the principal amount is $150,000 and the interest rate is 20 (this is not an actual interest rate utilized by AVCG), then the formula for January would be: 150,000 x (.20/365) x 31 = $2,547.95

Interest payments are due by the 1st of each month. Invoices are accessible through our Borrower Portal.

Business entity documentation, such as an operating agreement or article of incorporation. - Driver’s License or other government-issued photo ID - Credit Report (score and factors) - Purchase Agreement and any addenda - Scope of Work - Proof of Property Insurance

Each loan goes through a thorough underwriting process to ensure the opportunity is sound, secure, and aligned with our lending standards. While the exact steps may vary by project, our typical underwriting process includes the following. Borrower Review: We evaluate the borrower’s experience, background, and prior project portfolio to ensure they have the capability to complete the project as proposed. Project Analysis: We review the scope of work, renovation plans, budget, and projected timeline to confirm the project’s overall feasibility. Property Evaluation: We analyze the property’s current condition, comparable sales, after-repair value (ARV), purchase price, and estimated repair costs. Financial Review: We assess the borrower’s liquidity, credit, and financial capacity to complete the project successfully, including their ability to cover carrying costs and any potential overruns. Risk Assessment: Each loan is evaluated for potential risks, including market conditions, property type, exit strategy, and borrower reliability. Terms may be adjusted as needed to ensure appropriate protections. Final Approval & Terms: Once underwriting is complete, we finalize the loan terms—including loan amount, interest rate, and fees—and prepare the term sheet for the borrower’s review.