Bail Out NOD Guidelines

When time is critical and traditional lenders say no, Golden Feather Investments provides flexible Bail-Out Loan solutions to help you stabilize your situation and move forward with confidence.

Our Bail-Out Loan program is designed for borrowers who need fast capital to resolve urgent financial situations, including maturing loans, distressed properties, or credit challenges.

Program Highlights:

  • Up to 65% Loan-to-Value (LTV)

  • First or Second Position available

  • No appraisal required in most cases

  • Fast, streamlined approvals

  • Recent bankruptcy OK (even 1 day out)

  • Low credit / challenged credit OK

Loan Position Guidelines:

  • 1st Position Loans: Must be non-owner occupied investment properties

  • 2nd Position Loans: Allowed for:

    • Non-owner occupied properties, or

    • Owner-occupied properties with a business purpose (borrower owns a business)

Eligible Use Cases:

  • Paying off maturing or defaulted loans

  • Preventing foreclosure

  • Stabilizing distressed assets

  • Cash-out for business purposes

Requirements:

  • Business purpose loan (no consumer-purpose lending)

  • Clear exit strategy (refinance, sale, etc.)

  • Property must meet basic eligibility

FAQs

What is the maximum LTV?
Up to 65% LTV for both first and second position loans.

Do I need good credit?
No. We work with borrowers with challenged credit, including recent bankruptcies.

How soon after a bankruptcy can I qualify?
As soon as 1 day out of bankruptcy.

Is an appraisal required?
In most cases, no appraisal is needed, allowing for faster closings.

How fast can I close?
Closings can happen quickly depending on the scenario and documentation.

INQUIRE HERE