Accelerated Investment Group

AIG Fast-Track Vacant LandCalifornia OnlyCall: (661) 489-5363

For Brokers • California Only • Direct Private Money (Hard Money)

Close the Land Deal Before the Seller Moves On.

Land doesn’t “wait” the way a bank file does. Sellers want certainty. Borrowers want speed. And you want a clean path to closing without the endless “one more condition” loop.

AIG Fast-Track Vacant Land is built for California brokers who need fast answers and realistic structure. We’re a direct private money (hard money) lender lending California only. Underwriting is case-by-case and property-first: utilities + As-Is value, access/marketability, and the exit strategy.

Vacant Land Requirement (Subject Property):

The land must currently have utilities on the property (Gas, Power, Sewer, Water) and demonstrate a clear, supportable “As-Is” value in its current state (case-by-case; all loans subject to appraisal and marketability review).

CA Only • Business PurposeProperty-First UnderwritingUtilities / As-Is ValueCase-by-Case

Run a Scenario Why 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 give you fast feedback, clean expectations, and a realistic path to “yes” when the land fundamentals support it.

Best-Fit Use Cases (Vacant Land)

Time-sensitive purchases with seller deadlines
Bridge-to-build or bridge-to-sale strategies (case-by-case)
Investor acquisitions, assemblage, or long-hold plays
Self-employed / complex-income borrowers
LLC / Corp vesting OK; ITIN considered (case-by-case)

Decision Drivers

Utilities + 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 Solid California Land Deals Still Die

Land is straightforward—until a lender makes it complicated. Utility questions, valuation uncertainty, entitlement assumptions, and slow decisioning create a gap between your borrower’s timeline and lender reality. Fast-Track closes that gap with property-first underwriting and clear next steps.

Your Broker Reality	What the Borrower Needs	How Fast-Track Closes the Gap
Utility status creates delays and uncertainty.	Clear requirements up front.	We focus early on utilities (Gas/Power/Sewer/Water) and a clear As-Is valuation baseline. All loans are subject to the marketability, quality & condition of the subject property for approval.*
Banks underwrite future entitlements like they’re guaranteed.	Underwriting based on what exists today.	Property-first underwriting: current As-Is value + risk layering + exit plan.
Committees and overlays drag out decisions.	Speed before the seller walks.	Scenario-first review with fast feedback and clear structure guidance (case-by-case).
Land ties up capital and delays the next move.	Terms aligned to the plan.	Bridge-friendly structures designed for sale/refi exits (case-by-case).

Run a Scenario

Why Brokers Bring Vacant Land Deals to AIG

Private money speed with clear expectations (case-by-case).
Property-first underwriting centered on utilities + As-Is value.
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).
Late pays, BK, foreclosure considered (case-by-case).

Broker outcome: faster answers, cleaner expectations, and more closed California 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.*

Vacant Land Requirement (Subject Property):

The land must currently have utilities on the property (Gas, Power, Sewer, Water) and demonstrate a clear, supportable “As-Is” value in its current state (case-by-case). Utility status, access, and marketability are part of risk review.

Eligible vs. Ineligible Properties

Fast-Track is designed for land-focused scenarios where the current “As-Is” marketability and valuation can be supported. Underwriting is case-by-case.

Eligible Properties

AllowedCase-by-CaseAs-Is Appraisal

Income-producing properties with acreage (case-by-case)
Individual buildable lots (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 EligibleEnvironmental 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, access/marketability, utility review, risk layering, and exit strategy (case-by-case).

Purchase

Up to 40% 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 30%–40% LTV (case-by-case)
Loan Amounts: $100,000 – $2,000,000

Cash-Out Refinance

Up to 30%-40% 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 Option	Structure
18 Month	Interest-Only • No impounds required
2-Year	Interest-Only
3-Year	Interest-Only
30-Year	Fixed • Due in 5 Years (Balloon)

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

DSCR Qualification Method (Property-Driven)

DSCR = Gross Rents ÷ PITI (subject property) (where applicable)

DSCR

Preferred 1.00 (If less than 1.00: case-by-case)

For vacant land, DSCR may not apply unless there is a verifiable income component (case-by-case)
PITI based on note rate
Property-based qualification — not tax returns

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 DSCR & equity reviewed for approval

Ideal For

Land investors scaling without multiple closings
Assemblage / reposition strategies
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).

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

Vacant Land Details (Recommended)

Include: property address + APN, acreage, zoning, access (public/private), utility status (Gas/Power/Sewer/Water), topography, flood zone notes (if known), intended use, As-Is value, requested loan amount, purpose, serviceability notes (how the payment is supported), and the exit plan.

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

AVERAGE TURN TIMES

INITIAL MLDS/UW

Stage	Turn Time
New Files (Purchase)	1–2 Business Days
New Files (Refi)	1–2 Business Days
Conditions	1–2 Business Days

Closing

Stage	Turn Time
CTC MLDS Issuance	1 Business Day
Loan Docs	Schedule 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 Vacant Land 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 OnlyBuilt for Investors

Quick responses and clear upfront guidance
Clear focus on utilities + As-Is value 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 Land Investors

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

Statewide CaliforniaAIG Fast-Track Vacant LandBusiness-PurposeUtilities / As-Is Value

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

Broker Shortcut: Send a Scenario, Get a Clear Answer

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

Subject line: FAST-TRACK 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 + APN, As-Is value, requested loan amount, purpose, serviceability notes, utilities (Gas/Power/Sewer/Water), access/marketability notes, and the exit plan.

Run a Scenario

Vacant Land FAQs

What drives approval on AIG Fast-Track Vacant Land?

Underwriting is case-by-case. We focus heavily on the subject property’s current As-Is appraised value, along with utilities (Gas/Power/Sewer/Water), 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.*

Do you require utilities on the land?

We generally require the subject land to currently have utilities on the property (Gas, Power, Sewer, Water) and/or demonstrate a clear, supportable As-Is value in its current state (case-by-case).

What property types are eligible (and ineligible) for Fast-Track Vacant Land?

Eligible: income-producing properties with acreage, individual buildable lots, and larger acreage scenarios (no maximum acreage limit) when supported by a credible “As-Is” appraisal (case-by-case).

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.*

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.

Important Program Disclosure

California Only • Business-Purpose Loans Only
All loans subject to appraisal, underwriting, utility/access review, 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

Broker Shortcut

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