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Ted Spradlin

Ted is the managing broker for FCTD with 20+ years mortgage industry experience. His focus is bridge loans and long-term rental financing.

Hard Money Second Mortgage Assisted Living Facility

3 min read

Hard Money Second Mortgages for Assisted Living Facilities

Several years of record low long-term interest rates have fueled demand on second mortgages for Assisted Living Facilities (ALFs). Owner-operators are able to access equity in their property to reinvest into the building or business. This blog post...

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Winery Hard Money Loans

6 min read

Winery Hard Money Loans: A Guide to Securing Financing for Your Vineyard

Wineries are unique investments that require significant capital to start and maintain operations. The production process is complex and lengthy,...

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What is Stage Funding?

1 min read

What is Stage Funding?

With a stage funding construction loan, the borrower only pays interest on the amount of money already disbursed. This means the borrower doesn't pay...

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1 min read

What is Dutch Interest for a Hard Money Construction Loan?

Dutch interest is a method that charges interest on the entire construction loan amount, even if only a portion has been disbursed to the borrower....

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Foreign National Hard Money Bridge Loans

3 min read

Foreign National Hard Money Bridge Loans

Foreign national hard money bridge loans are short-term mortgages available to non-U.S. citizens to purchase or refinance real estate in the United...

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Exit Strategies for Foreign National Hard Money Loan

2 min read

Exit Strategies for Foreign National Hard Money Loans

You're a foreign national searching for a hard money loan to purchase U.S. property. Before you get any further, you need to work through multiple...

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Pros and Cons of Foreign National Hard Money Loans

1 min read

Pros and Cons of Foreign National Hard Money Loans

There are several pros and cons to consider before seeking a foreign national hard money loan to acquire or refinance a property in the United...

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Foreign National DSCR Investment Property Loans

1 min read

Foreign National DSCR Investment Property Loans

Foreign national DSCR investment property loans are an excellent program for non-U.S. citizens to purchase or refinance residential, 1-4-unit rental...

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3 min read

Foreign national investment property loans

First Capital Trust Deeds (FCTD) specializes in mortgages for real estate investors and has originated many foreign national investment property...

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Mortgage Broker or Direct Lender for Foreign National Loans?

3 min read

Mortgage Broker or Direct Lender For Foreign National Loans?

If you’re researching your financing options, you might be wondering if you should work with a mortgage broker or direct lender for foreign national...

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