MEASURING THE STOA DIFFERENCE

See how partnering with Stoa compares against going it alone.

Real estate investors and fix-and-flippers choose Stoa for a consistent pipeline of work and profit. Learn why partnering with Stoa is better than working with other lenders and buyers.
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  • Interest rates
  • Points on initial 6-month loan term
  • Credit check
  • Percentage able to finance
  • Loan processing
  • Act as a partner to investors
  • Prepayment pentalty
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Stoa

  • 7%
  • No
  • No
  • Up to 90% of purchase price
  • 3 business days
  • Yes
  • No
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Other Lenders

  • Varies, 10-16% average
  • Varies
  • Yes, if non asset-based
  • Varies, up to 70-90%
  • 1-10 business days
  • No
  • Varies
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  • Service fees at closing
  • Custom scope of work for renovations
  • Guaranteed buyer at completion
  • Profit known prior to renovation work
  • Days to close
  • Paid within 5 business days of renovation completion
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Stoa

  • 1%
  • Yes
  • Yes
  • Yes
  • 10 days or fewer
  • Yes
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Selling to Traditional Buyers

  • 1%-7% on average
  • No; risk of scope-creep during renovations
  • No; risk of carrying costs until buyer found
  • No; depending on market and buyer
  • Varies; typically 30+ days
  • No
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  • Dedicated partnership development representative
  • Custom scope of work for each property
  • Built-in ability for contract team to work off same scope of work
  • Receive funding for multiple properties at once, with no points
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Stoa

  • Yes
  • Yes
  • Yes
  • Yes
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Working Independently

  • No
  • No; risk of scope-creep during renovations
  • No
  • Varies
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