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Accelerated Investment Group
AIG Fast-Track AG Land LoanCalifornia OnlyCall: (661) 489-5363
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For Brokers • California Only • Direct Private Money (Hard Money)

AG Land Moves on Water & Timing. Banks Move on Committees.

Your borrower found a strong AG opportunity—good ground, workable plan, and a seller who wants certainty. Then the traditional process slows everything down: “we need more history,” “we need more review,” and a timeline that risks the deal.

AIG Fast-Track AG Land Loan is built for California brokers who need speed, structure, and clarity. We’re a direct private money (hard money) lender lending California only. Underwriting is case-by-case and property-first—driven by water source, crop profile, As-Is value, access/marketability, and the exit strategy.

AG Land Requirement (Subject Property):
We require a clear picture of the property’s current water source and the crop plan. As-Is appraised value must be supportable in its current condition (case-by-case). All loans subject to appraisal, underwriting, and marketability review.
CA Only • Business PurposeWater + Crop FocusProperty-First UnderwritingCase-by-Case
Run a ScenarioWhy This Works

Not for primary residences or consumer-purpose loans. Program details are subject to change without notice. All loans are subject to the marketability, quality & condition of the subject property for approval.*

Built for Brokers

You keep the borrower relationship. We provide fast feedback, clean expectations, and a realistic path to “yes” when the AG fundamentals support it.

Best-Fit Use Cases (AG Land)
  • Time-sensitive AG land purchases with seller deadlines
  • Bridge-to-refi or bridge-to-sale strategies (case-by-case)
  • Owner-user or investor acquisitions (business purpose)
  • Complex-income / self-employed borrowers
  • LLC / Corp vesting OK; ITIN considered (case-by-case)
Decision Drivers
Water + crops + As-Is value
Speed Lever
Clean scenario snapshot

All loans are subject to the marketability, quality & condition of the subject property for approval.*

The Gap: Why Strong AG Deals Still Stall

AG land underwriting is simple when it stays grounded in reality: water, crops, and As-Is value. The deal breaks when lenders underwrite assumptions, move slowly, and create uncertainty that sellers won’t tolerate. Fast-Track closes the gap with property-first underwriting and clear next steps.

Your Broker RealityWhat the Borrower NeedsHow Fast-Track Closes the Gap
Water questions surface late and blow up timelines.Water clarity up front. We start with current water source and how it supports the plan.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Crop history is requested after weeks of processing.Clear doc list on day one.We require crop production info early to reduce surprises and rework.
Committees slow decisions while sellers wait.Speed and certainty.Scenario-first review with fast feedback and structure guidance (case-by-case).
Valuation uncertainty creates “maybe” approvals.Underwriting grounded in today’s reality.Property-first underwriting: current As-Is appraised value + risk layering + exit plan.
Run a Scenario

Why Brokers Bring AG Land Deals to AIG

  • Private money speed with clear expectations (case-by-case).
  • Water + crop focus early—so the file doesn’t stall later.
  • Property-first underwriting centered on As-Is value, access, and marketability.
  • Business-purpose structure designed for investors and business owners.
  • As little as 0 months reserves (case-by-case).
  • No minimum FICO requirement (case-by-case).
  • No seasoning of funds (case-by-case).
  • LLC / Corp vesting OK; ITIN considered (case-by-case).

Broker outcome: faster answers, cleaner expectations, and more closed California AG land transactions.
All loans are subject to the marketability, quality & condition of the subject property for approval.*

Loan Structure, LTV & Transaction Types

California Only • Business Purpose • Case-by-Case Review

Appraisal Requirement

Appraisal ordered through an approved AIG vendor. Required for valuation, risk layering, and loan decisioning. Transferred appraisals considered (case-by-case).
All loans are subject to the marketability, quality & condition of the subject property for approval.*

AG Land Requirement (Subject Property):
We require current water source details and crop information to support the plan. The property must demonstrate a clear, supportable “As-Is” value in its current state (case-by-case). Water/crop profile, access, and marketability are part of risk review.

Eligible vs. Ineligible Properties

Fast-Track AG Land is designed for agricultural land scenarios where the water and crop profile can be clearly supported. Underwriting is case-by-case.

Eligible Properties
AllowedCase-by-CaseAs-Is Appraisal
  • AG land (row crops, orchards, vineyards, grazing land) (case-by-case)
  • Income-producing properties with acreage (case-by-case)
  • No maximum acreage limitation — must have a supported “As-Is” appraisal

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Ineligible Properties
Not EligibleSpeculativeEnvironmental Risk
  • Development sites / speculative sites
  • Properties located adjacent to or containing environmental hazards

If a site has known hazards or unresolved environmental concerns, it will be declined. All loans are subject to the marketability, quality & condition of the subject property for approval.*

Eligibility is not a commitment to lend. Final approval is based on appraisal, water/crop review, access/marketability, risk layering, and exit strategy (case-by-case).

Purchase
  • Up to 50% LTV (case-by-case)
  • Seller contributions OK (case-by-case)
  • Loan Amounts: $100,000 – $2,000,000
  • Gift funds & Gift of Equity allowed (LTV adjustments apply) (case-by-case)
Rate & Term Refinance
  • Up to 50% LTV (case-by-case)
  • Loan Amounts: $100,000 – $2,000,000
Cash-Out Refinance
  • Up to 50% LTV (case-by-case)
  • Loan Amounts: $100,000 – $2,000,000
  • Cash-out must be business purpose only — personal-use funds not permitted

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Available Loan Terms

Interest-Only • Business Purpose • Case-by-Case

Term OptionStructure
18 MonthInterest-Only • No impounds required
2-YearInterest-Only
3-YearInterest-Only
30-YearFixed • Due in 5 Years (Balloon)

Bridge-to-refi, bridge-to-sale, and refinance-exit friendly.

AG Income Review (Property-Driven)

When agricultural income applies, we focus on the crop plan and documented history—then underwrite risk with the exit strategy in mind (case-by-case).

Key Drivers
Water source + crop history + current/future planting plan + As-Is value + marketability
  • 2 years’ most recent crop production report required
  • What is currently being grown on the subject property by acre?
  • What are the future crops to be grown on the subject property per acre?
  • If the crops are permanent planting, when was the crop initially planted?

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Cross-Collateralized Portfolio Option

One loan secured by multiple properties (case-by-case)

  • One closing, one payment, one rate structure
  • Mix of properties allowed (case-by-case)
  • Blended equity reviewed for approval
Ideal For
  • AG investors scaling without multiple closings
  • Portfolios with mixed land types (case-by-case)
  • Capital efficiency + speed

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Submission Requirements (Broker Snapshot → Clear Next Steps)

Send the essentials and we’ll respond with structure, fit, and the next best move for your borrower.

Borrower & Identification
  • Complete 1003 in MISMO 3.4 format
  • Credit report (full) within 60 days
  • Valid Driver’s License
  • Social Security Card or ITIN Card (Only if Available)
  • A handwritten, wet-signed LOE confirming cash-out funds are for business purposes only (no personal use).
Loan Snapshot (Recommended)
Include: requested loan amount, transaction type (purchase/refi/cash-out), timeline, exit strategy, vesting (individual/LLC), and any cross-collateral properties.
Property Documentation
  • Statement of Information (Download PDF)
  • Fully Executed Purchase Agreement (if applicable)
  • Current Property Insurance Declaration Page (if applicable)
  • Most recent Mortgage Statement (refinances)
  • Appraisal (Approved AIG vendor; transferred appraisals considered (case-by-case))
  • Property list if cross-collateralizing
AG Land Items We Require (Submit Up Front):
  • What is the current water source for the property?
  • 2 years’ most recent crop production report
  • What is currently being grown on the subject property by acre?
  • What are the future crops to be grown on the subject property per acre?
  • If the crops are permanent planting, when the crop was initially planted?
AG Property Details (Recommended)
Include: property address (if applicable) and APN, acreage, zoning, access (public/private), water source details (well/district/rights), irrigation type (if known), topography, flood zone notes (if known), intended use, and exit plan.

All loans are subject to the marketability, quality & condition of the subject property for approval.*

AVERAGE TURN TIMES

INITIAL MLDS/UW

StageTurn Time
New Files (Purchase)1–2 Business Days
New Files (Refi)1–2 Business Days
Conditions1–2 Business Days

Closing

StageTurn Time
CTC MLDS Issuance1 Business Day
Loan DocsSchedule at least 1–2 business days out from signed CTC MLDS
Entity Requirements (If Applicable)

If vesting in an LLC, Corp, Trust, or Estate:

  • EIN confirmation
  • Articles of Incorporation
  • Operating Agreement or Trust Certificate
  • Authorized Signer documentation (application must be signed by the authorized person)

For Brokers & Loan Originators

AIG Fast-Track AG Land Loan is designed to help you protect your reputation with clear expectations, faster responses, and reliable structure in California private money lending.

Broker-FriendlyCase-by-CaseCA OnlyAG Land Focus
  • Quick responses and clear upfront guidance
  • Early focus on water + crops to avoid surprises
  • We work with you, not around you

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Run a Scenario

California Statewide — Built for AG Investors

California AG land can be competitive and deadline-driven. AIG Fast-Track AG Land Loan is built for speed, clarity, and investor strategy—without sacrificing structure.

Statewide CaliforniaAIG Fast-Track AG Land LoanBusiness-PurposeWater / Crops / As-Is Value

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Broker Shortcut: Send an AG Snapshot, Get a Clear Answer

Send a quick snapshot and we’ll confirm fit (or structure a path to qualify). Water source + crops + As-Is value lead the decision—then we layer access, marketability, risk, timeline, and exit strategy (case-by-case).

Subject line: FAST-TRACK AG LAND – Broker Scenario Request

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Email Scenario|Call (661) 489-5363
Include: property address (if applicable) + APN, As-Is value, requested loan amount, purpose, serviceability notes (water source, access, crop plan / crop history), and the exit plan.
Run a Scenario

AG Land FAQs

What drives approval on AIG Fast-Track AG Land Loan?

Underwriting is case-by-case. We focus heavily on the subject property’s current water source, crop production history and plan, As-Is appraised value, access/marketability, risk layering, borrower profile, and the exit plan.
All loans are subject to the marketability, quality & condition of the subject property for approval.*

What AG items do you require up front?

We require: current water source, 2 years’ most recent crop production report, what is currently being grown by acre, future crops to be grown per acre, and for permanent plantings, when the crop was initially planted.

Is this California-only?

Yes. California only and business-purpose transactions.

Do you require tax returns?

Case-by-case. We keep requirements practical and scenario-driven, but compliance and file review may require limited documentation.

What property types are ineligible?

Ineligible: development/speculative sites and properties adjacent to or containing environmental hazards.
All loans are subject to the marketability, quality & condition of the subject property for approval.*

Important Program Disclosure

California Only • Business-Purpose Loans Only
All loans subject to appraisal, underwriting, water/crop review, access/marketability review (as applicable), and equity/risk layering. Not a commitment to lend. Terms may change without notice. Not for consumer-purpose transactions.

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Company NMLS: 2633929 • DRE# 02241664 • 5330 Office Centre Ct, Ste 49, Bakersfield, CA 93309 • Phone: (661) 489-5363

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