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Loan programs Foreclosure bailout loans

Foreclosure bailout loans for investment properties

Foreclosure bailout financing may be suitable for real estate investors who have equity in a property but need capital quickly to resolve a default or foreclosure. Apollonia Equities provides foreclosure bailout financing for non-owner-occupied investment properties only.

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/ Overview

What is a foreclosure bailout loan?

A foreclosure bailout loan is a short-term real estate loan designed to help investors resolve a mortgage default or active foreclosure on an investment property. The financing can be used to pay off an existing lender, address certain liens or outstanding obligations, and give the investor additional time to execute a clear exit strategy.

/ Loan parameters

Program parameters

Loan amount
$250K–$10M
Rates
Rates vary
Leverage
Up to 65% of as-is value
Term
6–24 months
Minimum DSCR
Case dependent

Apollonia Equities makes business-purpose loans secured by non-owner-occupied real estate. Not for consumer, personal, family or household use. All terms shown are indicative, represent maximum available parameters, and are subject to underwriting, appraisal, title, borrower experience and final credit approval. Maximum leverage and lowest advertised pricing are not available on every transaction or to every borrower. Loan amounts, rates, terms and timelines vary by program, market and asset. This is not a commitment to lend.

Who it may be appropriate for

  1. Investors facing foreclosure on an investment property
  2. Borrowers with a matured or defaulted loan
  3. Investors who need additional time to sell a property
  4. Developers who need time to complete a renovation or construction project
  5. Investors planning to refinance into long-term financing
  6. Borrowers who cannot obtain traditional financing within the required timeframe

What we look at

  1. Property value
  2. Existing debt
  3. Lien position
  4. Requested loan amount
  5. Foreclosure status
  6. Borrower experience
  7. Proposed exit strategy

Typical use cases

  1. Paying off a defaulted loan

    Replace an existing mortgage or private loan that is in default.

  2. Stopping a foreclosure sale

    Provide financing before a scheduled foreclosure sale, subject to underwriting and sufficient time to close.

  3. Refinancing a matured loan

    Replace a loan that has reached maturity when the current lender is unwilling to extend it.

  4. Creating more time to sell

    Give an investor additional time to properly market and sell the property instead of being forced into a distressed sale.

  5. Completing a renovation or construction project

    Resolve existing debt while providing additional time to finish the project and execute a sale or refinance.

  6. Bridge to long-term financing

    Use short-term financing to resolve the immediate situation before refinancing into DSCR or other longer-term financing.

Facing a foreclosure deadline?

Because foreclosure situations are time-sensitive, our team works to review qualified transactions as efficiently as possible.

A realistic exit strategy is an important part of the underwriting process.

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/ The difference

What makes our lending approach different

Traditional lenders slow deals down with rigid guidelines and long approval timelines. We don’t. At Apollonia Equities, we take a practical approach by focusing on the asset, the plan, and your ability to execute. That means faster approvals, flexible terms, and financing that actually works for real estate investors.

  1. We prioritize deal viability and property value

    We focus on the strength of the opportunity, evaluating the property, its potential, and your execution plan rather than getting lost in rigid requirements or excessive documentation.

  2. We move with speed and responsiveness

    Our process is built to keep pace with the market, with quick decision-making, clear communication, and a team that stays accessible from initial review through closing.

  3. We structure loans around real-world project execution

    Every loan is designed to align with how your project actually unfolds, including timelines, renovation scope, and funding needs throughout each phase.

  4. We operate as a true lending partner, not just a capital provider

    Beyond funding, we work alongside you to support your deal from start to finish, helping ensure your project stays on track and positioned for success.

/ FAQ

Common questions about foreclosure bailout loans

Can a foreclosure bailout loan stop a foreclosure?

It can be used to pay off or resolve the debt causing the foreclosure before the property is sold. The ability to close depends on the foreclosure timeline, property value, existing liens, and other details of the transaction.

What types of properties qualify?

Apollonia Equities considers non-owner-occupied investment properties. Primary residences and owner-occupied properties are not eligible.

How quickly can Apollonia Equities close?

Timing depends on the complexity of the transaction and how quickly the required information can be obtained. Because foreclosure situations are time-sensitive, our team works to review qualified transactions as efficiently as possible.

What does Apollonia Equities look at when reviewing the loan?

We typically evaluate the property value, existing debt, lien position, requested loan amount, foreclosure status, borrower experience, and proposed exit strategy.

How is a foreclosure bailout loan repaid?

Most investors repay the loan through the sale of the property, a refinance into longer-term financing, or another clearly defined liquidity event. A realistic exit strategy is an important part of the underwriting process.

The financing you need to close more deals

Apollonia Equities is a direct private lender providing tailored real estate financing to investors and developers nationwide. From fix & flip and bridge loans to DSCR, multi family, and ground-up construction, we deliver flexible capital, efficient execution, and certainty of close.