Here's What People Say About Working With Me

Jihaad - SBA Loan

" Vickie at 1st American knows her stuff and will fight for you against hurdles large and small. You are in good, knowledgable, and capable hands....Vickie will do what it takes to get you over the finish line. She leverages creative thinking with years of experience and a wide network of relationships to find a solution to every problem. Thank you Vickie and 1st American for all the support! "

Merilee Van Duzer

Jihaad - SBA Loan

" 1st American Residential Lending was so helpful to me during my home purchase. I had so many questions about the process. Vickie came through with all the answers. She is very knowledgeable and has great follow through. Using her was the best decision I could have made during my house buying experience. "

What Vickie Bouffard can do for you

Loan Structuring

I specialize in customizing innovative loan options tailored to your unique financial needs and goals, leveraging my expertise in loan structuring to ensure a seamless and successful closing process.

Loan Shopping

Loan Structuring

I find the best rates and terms from various lenders to secure the most favorable loan with my deep banking connections with banks, speciality lenders, hard money and private money.

Client Advocacy

Loan Structuring

Client Advocacy

I represent your interests and comunicate with lenders and underwriters on your behalf. I drive the loan to closing.

Problem Solving

Client Advocacy

I identify and address any issues that may arise during the loan process.

Coordination

Problem Solving

Document Review

I coordinate all parties involved in the real estate transaction, including agents, appraisers, and title companies.

Document Review

Problem Solving

Document Review

I review all loan documents for accuracy and clarity, ensuring you understand every detail.

How I do it...Old Fashioned Service

Personal Touch

In today's fast-paced, technology-driven world, exceptional personalized service has become a rare gem. As an old-school loan officer, I pride myself on offering a level of hands-on attention that's increasingly hard to find. When you work with me, you won't be shuffled to a subordinate, greeted by an AI, or left hanging on hold. Instead, you'll experience the refreshing difference of direct communication - I answer my own phone, promptly return calls and emails, and remain your dedicated point of contact throughout the entire loan process.

Hands-On Service

My clients appreciate the personal touch, problem-solving skills, and emotional support I provide, guiding them with confidence and easing their anxieties. In a sea of automated responses and impersonal interactions, my commitment to genuine, one-on-one service stands out as a beacon of client-focused professionalism.

Why 1st American Investor Financing

Experienced Advice

23 Years of Experience:** Decades of mortgage expertise means you get reliable advice that works.
Proven Process Knowledge:** I know the ins and outs of loans, documents, and what it takes to close.
Underwriter Insight:** I anticipate what underwriters need to ensure your loan gets approved smoothly.

Customer First

You Come First: We put your needs first to find the perfect loan fit.
Honest & Upfront: Count on us for straightforward advice and doing what's right.
Fair Fees, Great Value: Get a great deal with no hidden costs – just honest pricing.

we offer purchase/refinance on investor properties

Multifamily Properties

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

A multifamily loan for properties over 10 units provides financing options for purchasing, refinancing, or developing large-scale multifamily properties. Here's a concise breakdown:

Who Uses Multifamily Loans?

- Real estate investors and developers acquiring or refinancing apartment complexes.

- Owners of stabilized or value-add properties

A multifamily loan for properties over 10 units provides financing options for purchasing, refinancing, or developing large-scale multifamily properties. Here's a concise breakdown:

Who Uses Multifamily Loans?

- Real estate investors and developers acquiring or refinancing apartment complexes.

- Owners of stabilized or value-add properties looking to expand their portfolios.

What Properties Qualify?

- Properties with 10+ units, including apartment buildings, affordable housing, student housing, and senior living facilities.

- Stabilized properties with 90% occupancy for at least 90 days often qualify for conventional or agency loans.

Loan Terms & Features

- Loan Amounts: $1 million to $100+ million (Fannie Mae and Freddie Mac small balance loans start at $750,000).

- Loan Terms: 5–30 years; fixed and variable rates available.

- Amortization: Up to 30 years; interest-only options available.

- Maximum LTV: Up to 80%.

- DSCR: Minimum of 1.25x.

- Recourse: Most loans are non-recourse with carve-outs for fraud or misrepresentation.

Requirements

- Strong borrower financials and credit history (typically 650+ credit score).

- Detailed property appraisal and financial performance data.

- Reserves: Typically three to nine months of payments in reserves.

- For agency loans (Fannie Mae/Freddie Mac), borrowers must meet eligibility criteria such as U.S. ownership.

Why Use Multifamily Loans?

- Access competitive rates and long-term financing through Fannie Mae and Freddie Mac.

- Flexible terms tailored for stabilized or value-add properties.

- Non-recourse options reduce personal liability.

- Ideal for scaling portfolios with large, income-generating assets.

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Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

The Debt Service Coverage Ratio (DSCR) designed for rental properties. It uses the property rental income to "cover" the mortgage payment (debt). Lenders like to see a positive ratio 1.25% or greater.

A DSCR loan is designed for real estate investors to finance income-generating rental properties by using the property’s rental income

A DSCR loan is designed for real estate investors to finance income-generating rental properties by using the property’s rental income to cover the mortgage payment. Here’s a concise breakdown:

Who Is It For?

- Real estate investors, both experienced and new, seeking to purchase or refinance long-term or short-term rental properties.

Eligible Properties

- Residential (1–8 units), multi-family, or short-term rentals like Airbnb or VRBO.

- Properties must be rent-ready and income-producing; no primary residences allowed.

Loan Terms

- Loan-to-value (LTV): Up to 80%.

- Interest rates: Starting around 6.125%.

- Loan amounts: $100,000–$3 million.

- Terms: Fixed rates for up to 30 years; interest-only options available.

Requirements

- Minimum DSCR: Typically 1.0–1.25.

- Credit score: Minimum 620–680, depending on the lender.

- Down payment: 20–30%.

- Property appraisal and rental income documentation required.

Why Use a DSCR Loan?

- No personal income verification needed.

- Faster approvals and closings.

- Ideal for building a real estate portfolio or refinancing existing rentals.

- Allows borrowing under an LLC and multiple loans for various properties.

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Fix 'N Flip

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Fix 'N Flip

A fix and flip loan is a short-term financing option designed for real estate investors to purchase, renovate, and resell properties for a profit. Here's a breakdown:

Who Uses Fix and Flip Loans?

- Real estate investors, including experienced flippers and first-time buyers, looking to renovate and resell properties quickly.

What Properties Q

A fix and flip loan is a short-term financing option designed for real estate investors to purchase, renovate, and resell properties for a profit. Here's a breakdown:

Who Uses Fix and Flip Loans?

- Real estate investors, including experienced flippers and first-time buyers, looking to renovate and resell properties quickly.

What Properties Qualify?

- Typically distressed or undervalued residential properties (e.g., single-family homes, multi-family units, or mixed-use buildings) with potential for significant value increase after renovations.

Loan Terms & Features

- Loan Amounts: $75,000 to $10 million.

- Term Length: Usually 12–24 months.

- Interest Rates:** Starting around 9–10%.

- Loan-to-Value (LTV): Up to 80–90% of the purchase price.

- Loan-to-Cost (LTC): * Often up to 90%, covering purchase and renovation costs.

- After-Repair Value (ARV): Loans may cover up to 70–75% of the estimated value after renovations.

- Down Payment: Typically 10–30% of the purchase price.

- Closing Time: Fast approvals, often within 7–14 days.

Requirements

- A renovation plan with a clear budget and timeline.

- Proof of sufficient cash reserves for unexpected costs.

- Experience in real estate flipping (though some lenders accept first-timers with stricter terms).

- Credit score requirements vary but are often flexible.

Why Use Fix and Flip Loans?

These loans provide quick access to capital, focus on the property’s potential value rather than personal income, and allow investors to finance both the purchase and renovation costs. They are ideal for short-term projects where speed and flexibility are critical.

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Construction Loans

BUSINESS ACQUISITIONS

A construction loan is a short-term financing option designed for building or extensively renovating residential or commercial properties. Here's a breakdown:

Who Uses Construction Loans?

- Individual homebuyers building custom homes

- Real estate developers and builders for residential or commercial projects

What Properties Qualify?

- New res

A construction loan is a short-term financing option designed for building or extensively renovating residential or commercial properties. Here's a breakdown:

Who Uses Construction Loans?

- Individual homebuyers building custom homes

- Real estate developers and builders for residential or commercial projects

What Properties Qualify?

- New residential constructions (single-family homes, multi-family units)

- Commercial buildings (offices, shopping centers)

- Major home renovations or additions

Loan Terms & Features

- Loan Amounts: Varies based on project costs and lender limits

- Term Length: Typically, 12 months for the construction phase

- Interest Rates: Usually variable, higher than traditional mortgages

- Loan-to-Value (LTV): Up to 80% of the projected completed value

- Down Payment: Often 20-25% of total project cost

- Disbursement: Funds released in stages as construction progresses

Requirements

- Detailed construction plan and timeline

- Itemized budget

- Proof of contractor's qualifications and insurance

- Strong credit score (often 680+)

- Low debt-to-income ratio (typically 43% or less)

- Sufficient income to cover loan payments

Why Use Construction Loans?

These loans provide financing for both land purchase and building costs, offer flexibility during the construction process, and can often be converted to permanent mortgages upon completion.

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BUSINESS ACQUISITIONS

A business acquisition loan is a financing option designed for entrepreneurs and business owners to purchase existing businesses. Here's a concise breakdown:

Who Uses Business Acquisition Loans?- Entrepreneurs looking to buy an existing business- Business owners seeking to expand through acquisition- Partners buying out other partnersWha

A business acquisition loan is a financing option designed for entrepreneurs and business owners to purchase existing businesses. Here's a concise breakdown:

Who Uses Business Acquisition Loans?- Entrepreneurs looking to buy an existing business- Business owners seeking to expand through acquisition- Partners buying out other partnersWhat Businesses Qualify?- Profitable, established businesses with good financial records- Companies in various industries, including retail, manufacturing, and services- Businesses that meet SBA size standards for small businesses.

Loan Terms & Features- Loan Amounts: Vary based on business value and lender limits- Term Length: Often 5-25 years- Interest Rates: Starting around 6%, depending on loan type and qualifications- Down Payment: Typically, 10-30% of purchase price.- Loan-to-Value (LTV): Up to 80-90% of business value.

Requirements- Strong personal credit score (mid to high 600s or higher).- Detailed business plan and acquisition strategy- 3 years of business financial statements for the company being acquired.- Personal and business tax returns- Business valuation report- Letter of intent or purchase agreement.

Why Use Business Acquisition Loans?These loans provide capital to purchase established businesses, often with lower risk than starting from scratch. They offer longer repayment terms and potentially lower interest rates compared to other financing options, especially with SBA backing.

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Commercial Loans

BUSINESS ACQUISITIONS

Commercial Loans

A commercial loan is a financing option designed for businesses to fund various operational needs, expansions, or investments. Here's a concise breakdown:

Who Uses Commercial Loans?

- Small to large businesses across various industries

- Corporations and partnerships

- Real estate investors and developers

What Qualifies?

- Working capital need

A commercial loan is a financing option designed for businesses to fund various operational needs, expansions, or investments. Here's a concise breakdown:

Who Uses Commercial Loans?

- Small to large businesses across various industries

- Corporations and partnerships

- Real estate investors and developers

What Qualifies?

- Working capital needs

- Equipment purchases

- Commercial real estate acquisition or development

- Business expansion or acquisition

- Inventory financing

Loan Terms & Features

- Loan Amounts: Vary widely, from $100,000 to millions

- Term Length: Short-term (less than 1 year) to long-term (up to 25 years)

- Interest Rates: Often variable, starting around 5-6%

- Loan-to-Value (LTV): Typically, up to 75-80% for real estate

- Down Payment: Usually 20-25% for real estate loans

Requirements

- Strong business credit score (often 660+)

- Detailed business plan and financial projections

- 3-5 years of business financial statements and tax returns

- Personal financial information of business owners

- Collateral (for secured loans)

- Debt Service Coverage Ratio (DSCR) typically 1.25 or higher

Why Use Commercial Loans?

These loans provide essential capital for business growth, offer flexible terms based on business needs, and can be structured as term loans or lines of credit to suit various business purposes.

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Who We Help

First-Time Real Estate Investor

Construction: Builders & Developers

Experienced Real Estate Investor

First-time investors can better prepare themselves for the challenges and opportunities in real estate investing by focusing on education, careful financial planning, and starting with manageable investments aligned with their goals and risk tolerance.

Is this you?

You...
~ have never bought a commercial property
~ have limited experience

Is this you?

You...
~ have never bought a commercial property
~ have limited experience, knowledge of commercial real estate
~ have bought and sold lot of residential properties
~ have defined investment goals, research oriented
~ are budget conscious & risk aware - know your financial limit
~ appreciate guidance from professionals

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Experienced Real Estate Investor

Construction: Builders & Developers

Experienced Real Estate Investor

As an experienced real estate investor, you are well-equipped to navigate the complex world of property investment, making informed decisions that lead to long-term success and wealth-building in the real estate market. You have bought/sold/rehabbed numerous properties. You like to get the best deal. You like options, innovation, responsiveness, easy to work professionals.

Is this you?

~ You have bought/sold/refinanced many commercial real estate properties
~ You have "done it all"
~ You dislike how banks lend investor's money, their restrictions/guidelines

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Construction: Builders & Developers

Challenges Faced by Home Builders, Developers - Essentially, any "Ground-up Construction" project faces several challenges when it comes to financing their projects.

Is this you?

You have ...
~ Financial resources
~ Experience and background
~ Clear objectives
~ Realistic expectations
~ A personal financial statement ready to go
~ Well-

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Real Estate Investor Financing

Vickie Bouffard, Your Investor Financing Specialist

Here's What People Say About Working With Me

Jihaad - SBA Loan

Jihaad - SBA Loan

Jihaad - SBA Loan

Merilee Van Duzer

Jihaad - SBA Loan

Jihaad - SBA Loan

An experienced loan officer is essential in helping clients get loans closed.

What Vickie Bouffard can do for you

Loan Structuring

Loan Structuring

Loan Structuring

Loan Shopping

Loan Structuring

Loan Structuring

Client Advocacy

Loan Structuring

Client Advocacy

Problem Solving

Problem Solving

Client Advocacy

Coordination

Problem Solving

Document Review

Document Review

Problem Solving

Document Review

With my hands-on approach, I simplify the process and help you achieve your real estate goals

How I do it...Old Fashioned Service

Personal Touch

Hands-On Service

Why 1st American Investor Financing

Experienced Advice

Customer First

we offer purchase/refinance on investor properties

Multifamily Properties

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Fix 'N Flip

Rental Property Loans aka Debt Service Coverage Ratio (DSCR)

Fix 'N Flip

Construction Loans

BUSINESS ACQUISITIONS

BUSINESS ACQUISITIONS

BUSINESS ACQUISITIONS

BUSINESS ACQUISITIONS

BUSINESS ACQUISITIONS

Commercial Loans

BUSINESS ACQUISITIONS

Commercial Loans

Ready to complete your online application?

Who We Help

First-Time Real Estate Investor

Construction: Builders & Developers

Experienced Real Estate Investor

Experienced Real Estate Investor

Construction: Builders & Developers

Experienced Real Estate Investor

Construction: Builders & Developers

Construction: Builders & Developers

Construction: Builders & Developers

Ready to complete your online application?

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