When a property doesn’t fit the bank’s checkbox, deals stall. Special-use improvements, mixed income streams, unusual tenancy, or non-standard layouts can trigger delays—and “computer says no.”
AIG Fast-Track Special Purpose & Mixed-Use is built for California brokers who need a lender that can underwrite the reality: current As-Is value, property utility, and a clean exit strategy—reviewed case-by-case.
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.*
You keep the borrower relationship. We provide fast feedback, clean expectations, and a realistic path to “yes” when the collateral and plan support it.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Traditional lenders often treat non-standard properties as “exceptions.” That creates a gap between your borrower’s timeline and lender reality. Fast-Track is designed to close that gap with property-driven underwriting and clear next steps.
| Your Broker Reality | What the Borrower Needs | How Fast-Track Closes the Gap |
|---|---|---|
| Non-standard use triggers long review cycles and extra conditions. | Speed and certainty before deadlines. | Scenario-first review with fast feedback and clear structure guidance (case-by-case). All loans are subject to the marketability, quality & condition of the subject property for approval.* |
| Income streams don’t match a simple “rent roll” template. | A lender who understands mixed income and transition. | Property-first underwriting: current As-Is value + risk layering + exit plan. |
| Borrowers are self-employed and “bankable” on paper isn’t realistic. | Practical review that doesn’t punish real-world files. | Case-by-case review; cash flow/DSCR considered where applicable. |
| Slow refinances trap equity and delay the next acquisition. | Terms aligned to the business plan. | Bridge-friendly terms designed for refinance or sale exits (case-by-case). |
Broker outcome: faster answers, cleaner expectations, and more closed California special-purpose and mixed-use transactions.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
California Only • Business Purpose • Case-by-Case Review
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.*
All loans are subject to the marketability, quality & condition of the subject property for approval.*
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) |
Stabilization, refinance-exit, and sale-exit friendly.
DSCR = Gross Rents ÷ PITI (subject property) (where applicable)
All loans are subject to the marketability, quality & condition of the subject property for approval.*
One loan secured by multiple properties (case-by-case)
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Send the essentials and we’ll respond with structure, fit, and the next best move for your borrower.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
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 |
If vesting in an LLC, Corp, Trust, or Estate:
AIG Fast-Track Special Purpose & Mixed-Use is designed to help you protect your reputation with clear expectations, faster responses, and reliable structure in California investor lending.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
California deals move fast. AIG Fast-Track Special Purpose & Mixed-Use is built for competitive markets, tight timelines, and investor strategy—without giving up structure.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Send a quick snapshot and we’ll confirm fit (or structure a path to qualify). As-Is appraised value leads the decision—then we layer risk, timeline, and exit strategy (case-by-case).
Subject line: FAST-TRACK SPMU – Broker Scenario Request
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Underwriting is case-by-case. We focus heavily on the subject property’s current As-Is appraised value, then review cash flow/DSCR where applicable, borrower profile, risk layering, the property’s utility, and the exit plan.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Yes. California only and business-purpose transactions.
Case-by-case. We keep requirements practical and scenario-driven, but compliance and file review may require limited documentation.
California Only • Business-Purpose Loans Only
All loans subject to appraisal, underwriting, 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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