# Cetan Funds --- ## Pages - [Calculators](https://cetanfunds.com/calculators/): Cetan Funds' interactive calculators can help you make informed investment decisions. Start building wealth through real estate today. - [Cetan Articles](https://cetanfunds.com/cetan-articles/): You can count on Cetan Funds to provide you with the best information and resources to help inform your financial decisions. - [Resources](https://cetanfunds.com/resources/): Cetan Funds is proud to help you Build Wealth Through Real Estate. View our private money loan resources and loan calculators to learn more. - [Blog](https://cetanfunds.com/blog/): Read about some of our recently funded projects and Cetan success stories. We feature 1-2 projects each month here on our blog. - [Our Work With Cascades Raptor Center](https://cetanfunds.com/about/supporting-cascades-raptor-center/): Cetan Funds is honored to be an annual sponsor of the Cascades Raptor Center. Learn how we're supporting their incredible work with raptors and education. - [Testimonials](https://cetanfunds.com/about/testimonials/): Cetan Funds is proud to receive feedback from our valued clients and learn how we helped them Build Wealth Through Real Estate. - [Cetan Opportunity Fund](https://cetanfunds.com/investors/cetan-opportunity-fund/): Cetan Opportunity Fund, our second fund launched in 2023, is a new real estate debt fund investment opportunity with Cetan. - [Cetan Income Fund](https://cetanfunds.com/investors/cetan-income-fund/): Cetan Income Fund, our original fund launched in 2017, is now one of two real estate debt fund investment opportunities with Cetan. - [Fix & Flip Rehab Loans](https://cetanfunds.com/fix-flip-rehab-loans/): Looking for a lender you can trust? Cetan Funds is proud to offer short-term Fix and Flip Rehab Loans to real estate investors in Oregon. - [Commercial Bridge Loans](https://cetanfunds.com/commercial-bridge-loans/): We help businesses and investors get the short-term funding they need. For more information about commercial bridge loans, contact us today. - [Land Acquisition & Development](https://cetanfunds.com/land-acquisition-development/): Cetan Funds is proud to provide short-term land acquisition loans as well as land development loans for residential and commercial real estate. - [Commercial Construction Loans](https://cetanfunds.com/commercial-construction-loans/): We help businesses and investors get the short-term funding they need. For more information about commercial construction loans, contact us today. - [Residential Bridge Loans](https://cetanfunds.com/residential-bridge-loans/): Looking for a lender you can trust? Cetan Funds offers short-term Residential Bridge Loans to investors in Oregon. Contact us today to learn more. - [Residential Construction Loans](https://cetanfunds.com/residential-construction-loans/): Cetan Funds provides short-term residential construction loans to contractors and investors. Our loan process is fast, flexible and in-house. - [Contact Us](https://cetanfunds.com/contact-us/): Reach out to our team at Cetan Funds today for answers to your questions. Contact us directly at 458-215-3200. - [Meet The Team](https://cetanfunds.com/about/cetan-funds-team/): Meet the dedicated team members at Cetan Funds that are ready to help you Build Wealth Through Real Estate. - [About Us](https://cetanfunds.com/about/): Cetan Funds is a hard money lender for real estate developers, builders, and investors. We are proud to serve the entire state of Oregon. - [Community Giving](https://cetanfunds.com/community-giving-program/): The Cetan Funds Community Giving Program recognizes local organizations that make a positive difference in our communities. - [Recently Funded](https://cetanfunds.com/recently-funded-projects/): Check out real success stories from projects recently funded by Cetan Funds. Working on a project of your own? Contact us today! - [Projects](https://cetanfunds.com/projects/): Check out the latest news and projects from Cetan Funds. We help you Build Wealth Through Real Estate. Learn more by contacting us today. - [Investors](https://cetanfunds.com/investors/): Cetan Income Fund is a private real estate debt fund that generates attractive risk-adjusted returns and stable quarterly distributions in Oregon. - [Borrowers](https://cetanfunds.com/borrowers/): Cetan Funds serves real estate investors, developers, builders, and small businesses as premier Oregon private lenders. - [Privacy Policy](https://cetanfunds.com/privacy-policy/): Cetan Funds, LLC is committed to protecting your privacy and ensuring that your personal information and visits to our website are completely secure. - [Home](https://cetanfunds.com/): Cetan Funds is a private money lender and real estate loan originator in Oregon. We help you Build Wealth Through Real Estate. --- ## Posts - [Fix and Flip Loan in Salem, Oregon](https://cetanfunds.com/fix-and-flip-loan-in-salem-oregon/): Cetan Funds recently funded a fix and flip loan in Salem for a single-family home. As a purchase-only loan, we provided 100% financing for the acquisition. - [Hard Money Lending Tools Every Oregon Real Estate Investor Should Know](https://cetanfunds.com/hard-money-lending-tools/): Sourced from our website and trusted organizations, these are the hard money lending tools that every Oregon real estate investor should know. - [Fix and Flip Loan in Beaverton, Oregon](https://cetanfunds.com/fix-and-flip-loan-in-beaverton-oregon/): Cetan Funds recently funded a fix and flip loan for a single-family home in the desirable Cedar Hills neighborhood of Beaverton, Oregon. - [14 Lending Terms Every Real Estate Investor Should Know](https://cetanfunds.com/lending-terms-for-real-estate-investors/): New to real estate investing? Start here. These are the must-know lending terms for flips, rentals, and small developments. - [Luxury Home Fix and Flip Loan in Bend, Oregon](https://cetanfunds.com/luxury-home-fix-and-flip-loan-in-bend-oregon/): Cetan Funds recently funded a loan for a luxury home fix and flip project in Bend. When the original lender couldn't proceed, we stepped in to help. - [Understanding Hard Money Rehab and Construction Loans: Accelerate Growth and Maximize Returns in Real Estate](https://cetanfunds.com/rehab-and-construction-loans/): Understanding how our hard money rehab and construction loans work can be the key to unlocking your next profitable investment. - [Land Development Loan for a 5-Lot Subdivision in Eugene, Oregon](https://cetanfunds.com/land-development-loan-for-a-5-lot-subdivision-in-eugene-oregon/): Cetan Funds is pleased to announce that we recently funded a land development loan for an exciting project in a highly desirable part of North Eugene. - [How Private Money Lending Really Works](https://cetanfunds.com/how-private-money-lending-works/): When it comes to funding your next project, you may be wondering how private money lending works. We're here to shed light on this topic. - [Residential Construction Loan for Four Homes in Klamath Falls, Oregon](https://cetanfunds.com/residential-construction-loan-for-four-homes-in-klamath-falls-oregon/): Cetan Funds recently funded a Klamath Falls residential construction loan for an experienced builder developing four homes simultaneously. - [What We Do vs. What We Don’t Do](https://cetanfunds.com/what-we-do/): In this post, we'll look at a few things we can do to support your real estate venture as a private lender, and a few things we cannot. - [Apartment Complex Bridge Loan for Reverse 1031 Exchange in Southern Oregon](https://cetanfunds.com/apartment-complex-bridge-loan-for-reverse-1031-exchange/): Cetan Funds recently funded an apartment complex bridge loan for a reverse 1031 exchange by a seasoned investor in Southern Oregon. - [How to Leverage Equity in Your Property for New Investments](https://cetanfunds.com/leverage-equity-for-new-investments/): Curious how to leverage equity for new investments? Let's take a look at a few ways to make the equity in your property work for you. - [Fix and Flip Loan for a Condo in Beaverton, Oregon](https://cetanfunds.com/fix-and-flip-loan-on-condo-in-beaverton-oregon/): Cetan Funds recently funded a fix and flip loan for a condo in Beaverton, Oregon. The demo has already been completed and the renovation is underway. - [Tips for a Successful Fix and Flip Project](https://cetanfunds.com/fix-and-flip-tips/): Fix and flip projects can be both profitable and time consuming so let’s dive into a few fix and flip tips for a successful project. - [Residential Construction Loan for Three Homes in Oceanside, Oregon](https://cetanfunds.com/residential-construction-loan-for-three-homes-in-oceanside-oregon/): Cetan Funds recently financed a residential construction loan in Oceanside, Oregon for three spec homes. We’re excited to see the finished homes soon! - [Why Oregon is a Great Location for Real Estate Investing](https://cetanfunds.com/real-estate-investing-in-oregon/): Location, location, location - Discover why Oregon, where diverse opportunities meet a growing market, is a great location for real estate investing. - [Mid-Construction Fix and Flip Loan in Sutherlin, Oregon](https://cetanfunds.com/mid-construction-fix-and-flip-loan-in-sutherlin-oregon/): Cetan Funds recently funded a mid-construction fix and flip loan in Sutherlin, Oregon. This home is in a new subdivision surrounded by quality, new homes. - [Navigating the Loan Application Process: Tips for a Smooth Experience](https://cetanfunds.com/loan-application-process/): Navigating the loan application process for real estate financing doesn’t have to be daunting. We have some tips to make this a smooth experience. - [Residential Rehab Loan in Seaside, Oregon](https://cetanfunds.com/residential-rehab-loan-in-seaside-oregon/): Cetan Funds recently funded a residential rehab loan in Seaside, Oregon. We’re excited to see how the completed renovations turn out. - [Rule-of-Thumb Rehab Estimator](https://cetanfunds.com/rule-of-thumb-rehab-estimator/): This calculator uses Cetan’s “Rule-of-Thumb” estimates for construction costs per square foot of a single-family home being renovated. - [Cetan Interest-Only Payment Calculator](https://cetanfunds.com/interest-only-payment-calculator/): Use our interest-only payment calculator to estimate the interest-only payment with a certain loan balance. Use for estimation purposes only. - [The Benefits of Using Cetan Funds for Your Next Real Estate Project](https://cetanfunds.com/the-cetan-advantage/): The principles we adhere to make us stand out as a private lender. We call this the Cetan Advantage. Let's cover the five tenets that make up this advantage. - [Residential Bridge Loan on Development Project in West Linn, Oregon](https://cetanfunds.com/residential-bridge-loan-on-development-project-in-west-linn-oregon/): Cetan Funds recently funded a residential bridge loan on a development project in West Linn, Oregon. Learn how we were able to meet the borrower's needs. - [Hard Money Loans Explained: What You Need to Know](https://cetanfunds.com/hard-money-loans-explained/): In this post, we'll take a look at what Hard Money Loans are, how they work, and whether they could be a good option for your next investment. - [Duplex Construction Loan in Coos Bay, Oregon](https://cetanfunds.com/duplex-construction-loan-in-coos-bay-oregon/): Cetan Funds recently funded a duplex construction loan in Coos Bay. We were able to provide the simple and effective financing to get this duplex built. - [A New Way to Invest in Oregon Real Estate: Cetan Opportunity Fund](https://cetanfunds.com/invest-in-oregon-real-estate/): Are you looking for a way to invest in Oregon real estate? Cetan Opportunity Fund could be just what you’re looking for. - [Maximum Allowable Offer Calculator](https://cetanfunds.com/maximum-allowable-offer-calculator/): Cetan Funds' Maximum Allowable Offer Calculator gives you a quick and easy way to determine the MAO for your investment property. - [Fix and Flip in Medford, Oregon](https://cetanfunds.com/fix-and-flip-in-medford-oregon/): Cetan Funds recently funded a fix and flip loan in Medford, Oregon. The borrowers hope to have this property renovated and on the market in 3-6 months. - [Manufactured Home Fix and Flip Loan in Winston, Oregon](https://cetanfunds.com/manufactured-home-fix-and-flip-loan-in-winston-oregon/): Cetan Funds recently funded a loan on a manufactured home fix and flip in Winston, Oregon. We're proud to be able to help serve small-town Oregon. - [Fix and Flip Loans in Portland, Oregon](https://cetanfunds.com/fix-and-flip-loans-in-portland-oregon/): Cetan Funds is proud to offer real estate investors short-term fix and flip loans in Portland, Oregon. Let us help you build wealth through real estate. - [Commercial Construction Loan for 12-Unit Apartment Building in Portland, Oregon](https://cetanfunds.com/commercial-construction-loan-for-12-unit-apartment-building-in-portland-oregon/): Cetan Funds recently funded a commercial construction loan for apartments in Portland, Oregon. This will be a ground-up build of 12 units. - [Residential Bridge Loan on Townhome Development in Eugene, Oregon](https://cetanfunds.com/residential-bridge-loan-on-townhome-development-in-eugene-oregon/): Cetan Funds recently funded a residential bridge loan on a townhome development in Eugene, Oregon. The developer had completed construction and sold 3 of the 12 units. - [Residential Construction Loans in Eugene, Oregon](https://cetanfunds.com/residential-construction-loans-in-eugene-oregon/): Cetan Funds is proud to offer short-term residential construction loans in Eugene, Oregon. Let us help you build wealth through real estate. - [Fix and Flip Loans in Springfield, Oregon](https://cetanfunds.com/fix-and-flip-loans-in-springfield-oregon/): Cetan Funds is proud to offer real estate investors short-term fix and flip loans in Springfield, Oregon. Let us help you build wealth through real estate. - [Fix and Flip Loans in Eugene, Oregon](https://cetanfunds.com/fix-and-flip-loans-in-eugene-oregon/): Cetan Funds is proud to offer real estate investors short-term fix and flip loans in Eugene, Oregon. Let us help you build wealth through real estate. - [Commercial Bridge Loan in Downtown Springfield, Oregon](https://cetanfunds.com/commercial-bridge-loan-in-downtown-springfield-oregon/): Cetan Funds recently funded a commercial bridge loan in downtown Springfield, Oregon. We are excited to be a part of the revitalization of downtown Springfield. - [Multifamily Construction Loan in Gervais, Oregon](https://cetanfunds.com/multifamily-construction-loan-in-gervais-oregon/): Cetan Funds recently funded a multifamily construction loan in Gervais, Oregon, a small community just north of Salem and south of Woodburn. - [Residential Construction Loan for a Single-family Home with an ADU in Lincoln City, Oregon](https://cetanfunds.com/residential-construction-loan-for-single-family-home-with-an-adu-in-lincoln-city-oregon/): Cetan Funds recently funded a residential construction loan in Lincoln City, Oregon for a single-family home with a 2-story detached garage and accessory dwelling unit. - [Investment Property Rehab Loan in Oakland, Oregon](https://cetanfunds.com/investment-property-rehab-loan-in-oakland-oregon/): Cetan Funds recently funded an investment property rehab loan in Oakland, OR. This property included a single-family home and a duplex on one taxlot. - [Fix and Flip Loan on 3 Homes in Salem, Oregon](https://cetanfunds.com/fix-and-flip-loan-on-3-homes-in-salem-oregon/): Cetan Funds recently funded a Salem fix and flip loan for 3 homes. We provided a blanket construction loan on all 3 properties to help them quickly renovate. - [Commercial Construction Loan for a Boutique Hotel, Restaurant & Beer Garden in Hood River, Oregon](https://cetanfunds.com/commercial-construction-loan-for-boutique-hotel-restaurant-beer-garden-in-hood-river-oregon/): Cetan Funds recently funded a commercial construction loan for a boutique hotel, restaurant and beer garden project in Hood River, Oregon. - [Quick Cash-out Commercial Refinance in Hillsboro, Oregon](https://cetanfunds.com/quick-cash-out-refinance-of-commercial-building-in-hillsboro-oregon/): We recently funded a Quick Cash-out Commercial Refinance in Hillsboro, Oregon. These borrowers valued the expediency of our commercial bridge loans. - [Fix and Flip Loan in Vancouver, Washington](https://cetanfunds.com/fix-and-flip-loan-in-vancouver-washington/): Cetan Funds recently funded a fix and flip loan in Vancouver, Washington for a borrower's first fix and flip project. Learn about how we helped. - [Construction Loan for Vacation Homes in Rockaway Beach, Oregon](https://cetanfunds.com/construction-loan-for-vacation-homes-in-rockaway-beach-oregon/): Cetan Funds recently funded a construction loan for vacation homes in Rockaway Beach, Oregon These homes will be on the market this Spring or early Summer. - [Cash-Out Refinance for a Homebuilder in Woodburn, Oregon](https://cetanfunds.com/cash-out-refinance-for-homebuilder-in-woodburn-oregon/): Cetan Funds recently funded a cash-out refinance for a homebuilder in Woodburn, Oregon. We were able to quickly get him the cash he needed. - [BRRR Project Funded in Beaverton, Oregon](https://cetanfunds.com/brrr-project-funded-in-beaverton-oregon/): Cetan Funds recently funded a BRRR project in Beaverton, Oregon. We were able to provide the quick funding solution the buyer needed. - [Residential Construction Loan in Depoe Bay, Oregon](https://cetanfunds.com/residential-construction-loan-in-depoe-bay-oregon/): Cetan Funds recently funded a residential construction loan in Depoe Bay, Oregon. The project has progressed very well, we can't wait to see the finished product! - [Multifamily Construction Loan in Portland, Oregon](https://cetanfunds.com/multifamily-construction-loan-in-portland-oregon/): Cetan Funds recently funded a multifamily construction loan in Portland, Oregon. We helped the builder with a streamlined process and fast closing. - [Quick Residential Cash-out Refinance in Portland, Oregon](https://cetanfunds.com/quick-residential-cash-out-refinance-in-portland-oregon/): Cetan Funds recently funded a cash-out refinance in Portland, Oregon for a rental property for a local business owner. Learn how we helped this borrower. - [Manufactured Home Construction & Installation in Yoncalla, Oregon](https://cetanfunds.com/manufactured-home-construction-installation-in-yoncalla-oregon/): Cetan Funds recently funded a manufactured home construction and installation loan in Yoncalla, Oregon. Learn more about how we helped with this project. - [Spec Home Construction Loans in Seaside, Oregon](https://cetanfunds.com/spec-home-construction-loans-seaside-oregon/): Cetan Funds recently funded two spec home construction loans in Seaside, Oregon. We helped these investors save a significant amount of money on their interest expense. - [Multi-family Rehab Loan in Cottage Grove, Oregon](https://cetanfunds.com/multi-family-rehab-loan-cottage-grove-oregon/): Cetan Funds recently funded a multi-family rehab loan in Cottage Grove, Oregon. We are proud to help with this project that will provide affordable housing. - [Commercial Bridge Loan in Bend, Oregon](https://cetanfunds.com/commercial-bridge-loan-in-bend-oregon/): Cetan Funds recently funded a commercial bridge loan in Bend, Oregon. We were able to meet the borrower's needs with a customized commercial bridge loan. - [Land Development Loan for Small Subdivision in Albany, Oregon](https://cetanfunds.com/land-development-loan-for-small-subdivision-in-albany-oregon/): Cetan Funds recently funded a land development loan in Albany, Oregon for a small subdivision. Learn more about how we helped cover their development costs. - [Duplex Construction Loan in Springfield, Oregon](https://cetanfunds.com/duplex-construction-loan-in-springfield-oregon/): Cetan Funds recently funded a duplex construction loan in Springfield, Oregon for a local real estate investment company. Learn more about this project. - [Commercial Bridge Loan for Special-Use Building in Eugene, Oregon](https://cetanfunds.com/commercial-bridge-loan-special-use-building-eugene-oregon/): Cetan Funds recently funded a commercial bridge loan in Eugene for a local business to acquire a residential property, previously used as a small school. - [Duplex Bridge Loan in Eugene, Oregon](https://cetanfunds.com/duplex-bridge-loan-eugene-oregon/): Cetan Funds recently funded a duplex bridge loan in Eugene, Oregon for an investor to quickly purchase a duplex just down the road from his primary residence. - [46-Lot Subdivision Construction Loan in Sweet Home, Oregon](https://cetanfunds.com/subdivision-construction-loan-sweet-home-oregon/): Cetan Funds recently provided funding for a subdivision construction loan in Sweet Home, Oregon. We are proud to partner with this ambitious builder. - [Purchase and Rehab of Mixed-Use Commercial Building in Portland, Oregon](https://cetanfunds.com/purchase-and-rehab-of-mixed-use-commercial-building-in-portland-oregon/): Cetan Funds recently funded a loan for the purchase and rehab of a mixed-use commercial building in Portland, Oregon. Renovations are currently underway. - [Commercial Bridge Loan for Quarry Purchase in Molalla, Oregon](https://cetanfunds.com/commercial-bridge-loan-for-quarry-purchase-in-molalla-oregon/): Cetan Funds recently funded a commercial bridge loan In Molalla, Oregon for the purchase of a quarry. Learn more about this project. - [Residential Ground-Up Construction in St. Helens, Oregon](https://cetanfunds.com/residential-ground-up-construction-in-st-helens-oregon/): Cetan Funds recently funded another spec home construction loan for residential ground-up construction of two new homes in St. Helens, Oregon. - [Residential Bridge Loan in Newport, Oregon](https://cetanfunds.com/residential-bridge-loan-in-newport-oregon/): Cetan Funds recently funded a residential bridge loan in Newport, Oregon. The borrower was a real estate broker and investor from California. - [Cash-Out Refinance Commercial Bridge Loan on a Farm near Eugene, Oregon](https://cetanfunds.com/cash-out-refinance-commercial-bridge-loan-on-a-farm-near-eugene-oregon/): Cetan Funds recently funded a cash-out refinance on a farm near Eugene, Oregon. We also helped this business owner by consolidating his business debts. - [Spec Home Construction Loan in Sweet Home, Oregon](https://cetanfunds.com/spec-home-construction-loan-sweet-home-oregon/): Cetan Funds recently funded another spec home construction in Sweet Home, Oregon. This builder is looking for a quick sale to collect his profits. - [Condo Fix and Flip in Beaverton, Oregon](https://cetanfunds.com/condo-fix-and-flip-beaverton-oregon/): We recently funded another fix and flip in Beaverton, Oregon. We funded 85% of the purchase price and 100% of the rehab costs. - [Fix and Flip with Cluster Subdivision in Medford, Oregon](https://cetanfunds.com/fix-and-flip-with-cluster-subdivision-in-medford-oregon/): Cetan Funds recently funded a fix and flip in Medford, Oregon, which also included a small cluster subdivision. - [Residential Rehab Loan in Veneta, Oregon](https://cetanfunds.com/residential-rehab-loan-veneta-oregon/): Cetan Funds provided a residential rehab loan to local real estate investors doing a project on a single-family home in Veneta, Oregon. - [Rental Property Bridge Loan in Springfield, Oregon](https://cetanfunds.com/rental-property-bridge-loan-springfield-oregon/): Cetan Funds recently funded a rental property bridge loan in Springfield, Oregon. We provided this investor a bridge loan in just a few days. - [Apartment Complex Rehab in Coquille, Oregon](https://cetanfunds.com/apartment-complex-rehab-coquille-oregon/): Cetan Funds recently funded an apartment complex rehab loan in Coquille, Oregon. Our borrower hired a great contractor that quickly rehabbed the facility. - [A Gift for Oregon Community Foundation](https://cetanfunds.com/oregon-community-foundation/): Cetan Funds shares the Oregon Community Foundation’s vision of ‘a healthy, thriving, sustainable Oregon’. We proudly make our donation in support of their efforts. - [Fix and Flip in Grants Pass, Oregon](https://cetanfunds.com/fix-and-flip-in-grants-pass-or/): Cetan Funds recently funded a fix and flip in Grants Pass, OR. The loan funded the purchase and rehab of a distressed property owned by Fannie Mae. - [Cluster Subdivision in Eugene, Oregon](https://cetanfunds.com/cluster-subdivision-in-eugene-or/): Cetan Funds recently funded a land development construction loan for the infrastructure of a 9-lot cluster subdivision in Eugene, OR. - [A Gift for FOOD for Lane County](https://cetanfunds.com/food-for-lane-county/): Please consider joining Cetan Funds in supporting FOOD for Lane County and its mission to help those in the community get access to food. - [Four-Plex Rehab in Monroe, Oregon](https://cetanfunds.com/four-plex-rehab/): Cetan Funds recently funded a cash-out refinance a four-plex rehab in Monroe, Oregon. Work was completed on this property in a few short months. - [Forestland Refinance near Creswell, Oregon](https://cetanfunds.com/forestland-refinance-near-creswell-or/): Cetan Funds recently funded a forestland refinance near Creswell to provide cash-out to the land owner for business operations. - [A Gift for Court Appointed Special Advocates (CASA)](https://cetanfunds.com/casa/): The Cetan Funds Community Giving Program is proud to support Court Appointed Special Advocates (CASA) of Lane County. - [Boutique Hotel Renovation in Lincoln City, Oregon](https://cetanfunds.com/boutique-hotel-renovation-in-lincoln-city-or/): Cetan Funds recently financed a boutique hotel renovation in Lincoln City, OR. The hotel will be a unique destination for travelers. - [A Gift for Cornerstone Community](https://cetanfunds.com/cornerstone-community/): The Cetan Funds Community Giving Program is proud to support Cornerstone Community Housing and their mission to prevent homelessness. - [Duplex/Condo Bridge Loan in Cannon Beach, Oregon](https://cetanfunds.com/duplex-condo-bridge-loan-in-cannon-beach-or/): Cetan Funds recently funded a duplex/condo bridge loan for a duplex to condo conversion project in Cannon Beach, Oregon. - [A Gift for Homes for Good](https://cetanfunds.com/a-gift-for-homes-for-good/): The Cetan Funds Community Giving Program is proud to support Homes for Good and their mission to help individuals find affordable housing. - [Commercial Refinance in Springfield, Oregon](https://cetanfunds.com/commercial-refinance-springfield/): Cetan Funds recently funded this commercial refinance in Springfield, Oregon. The owner needed to cash-out equity, but could not qualify at banks. - [Investment Property Bridge Loan in Portland, Oregon](https://cetanfunds.com/investment-property-bridge-loan-portland-or/): Cetan Funds recently funded an investment property bridge loan in Portland, Oregon. This loan was a refinance that we funded when other lenders wouldn't. - [Multi-Family Bridge Loan in Salem, Oregon](https://cetanfunds.com/salem-multi-family-bridge-loan/): Cetan Funds recently funded this Salem multi-family bridge loan. This loan on a 10-unit apartment complex helped the owners quickly cash-out some equity. - [A Gift for the Cascades Raptor Center](https://cetanfunds.com/a-gift-for-the-cascades-raptor-center/): The Cetan Funds Community Giving Program is proud to support the Cascades Raptor Center and pay homage to the spirit animal of our company. - [Spec Home in Silverton, Oregon](https://cetanfunds.com/spec-home-silverton-or/): Cetan Funds recently funded the construction of a spec home in Silverton, OR, in a popular new subdivision. This builder plans to have it sold in 9 months. - [Spec Home Construction in Sweet Home, Oregon](https://cetanfunds.com/spec-home-construction/): Cetan Funds recently funded a spec home construction in a new Sweet Home subdivision providing upscale housing to this growing community. - [Fix and Flip in Medford, Southern Oregon](https://cetanfunds.com/southern-oregon-fix-and-flip/): Cetan Funds recently funded this Southern Oregon fix and flip loan, helping an investor purchase and rehab the property for the eventual sale at a profit. - [A Gift for ElRod Center](https://cetanfunds.com/elrod-center/): The Cetan Funds Community Giving Program proudly supports ElRod Center, a nonprofit fighting the mental health crisis among our youth. - [Acquisition and Development of New Subdivision in West Linn, Oregon](https://cetanfunds.com/acquisition-development-loan/): Cetan Funds recently funded an acquisition and development loan for the purchase of a large parcel to create a new subdivision. - [Rental Property Purchase in The Dalles, Oregon](https://cetanfunds.com/rental-property-purchase/): Cetan Funds recently funded a rental property purchase in The Dalles, Oregon. The buyers needed short-term financing fast and we closed the deal. - [Triplex Construction in Newport, Oregon](https://cetanfunds.com/triplex-construction/): Cetan Funds recently funded a triplex construction project in Newport, Oregon, with a short-term residential construction loan. - [A Gift for The Relief Nursery](https://cetanfunds.com/relief-nursery/): Cetan Funds will give a gift for the Relief Nursery. Our Community Giving Program recognizes local organizations positively impacting our community. - [A Gift for Saint Vincent de Paul](https://cetanfunds.com/saint-vincent-de-paul-donation/): As part of the Cetan Funds Corporate Giving Program, the Cetan Funds Saint Vincent de Paul donation helps fulfill our mission of giving back. - [A Gift for Womenspace](https://cetanfunds.com/womenspace/): We are proud to present a gift to Womenspace. We look forward to continuing our partnership with them in support of families affected by domestic violence. - [Storage Facility Expansion in Eugene, Oregon](https://cetanfunds.com/storage-facility-expansion/): Cetan Funds recently funded a storage facility expansion in Eugene, Oregon. a perfect example of a smart commercial construction loan from Cetan. - [A Gift for The Cascades Raptor Center](https://cetanfunds.com/cascades-raptor-center/): As part of the Cetan Funds Corporate Giving program, Cetan Funds will make a donation to Cascades Raptor Center to honor this great organization. - [Residential Land Purchase in Bend, Oregon](https://cetanfunds.com/residential-land-purchase/): Cetan Funds recently helped finance a residential land purchase to help a local builder acquire a lot for future development or resale. - [Cetan Funds Opens, Offering Smart Real Estate Loans for Businesses](https://cetanfunds.com/cetan-funds-opens/): With the launch of our website, Cetan Funds is officially open and proud to begin offering smart real estate loans for businesses. --- ## Projects --- # # Detailed Content ## Pages > Cetan Funds' interactive calculators can help you make informed investment decisions. Start building wealth through real estate today. - Published: 2024-08-19 - Modified: 2025-03-18 - URL: https://cetanfunds.com/calculators/ Calculators --- > You can count on Cetan Funds to provide you with the best information and resources to help inform your financial decisions. - Published: 2024-08-19 - Modified: 2024-08-21 - URL: https://cetanfunds.com/cetan-articles/ Cetan Articles --- > Cetan Funds is proud to help you Build Wealth Through Real Estate. View our private money loan resources and loan calculators to learn more. - Published: 2024-06-24 - Modified: 2024-10-22 - URL: https://cetanfunds.com/resources/ ResourcesFind helpful resources, articles by Cetan Funds, tools and calculators and information on projects we have funded. --- > Read about some of our recently funded projects and Cetan success stories. We feature 1-2 projects each month here on our blog. - Published: 2024-06-21 - Modified: 2024-09-10 - URL: https://cetanfunds.com/blog/ ResourcesFind helpful resources, articles by Cetan Funds, tools and calculators and information on projects we have funded. --- > Cetan Funds is honored to be an annual sponsor of the Cascades Raptor Center. Learn how we're supporting their incredible work with raptors and education. - Published: 2024-06-11 - Modified: 2024-08-19 - URL: https://cetanfunds.com/about/supporting-cascades-raptor-center/ Supporting Cascades Raptor Center We are proud to be an annual sponsor of Cascades Raptor CenterCascades Raptor Center's Mission Cascades Raptor Center is a 501(c)(3) nonprofit nature center and wildlife hospital founded in 1987. It was incorporated in 1990 and moved to its current location on Spencer’s Butte in southwest Eugene in 1994. Their mission is to foster connections between humans and birds of prey through:   Wildlife Rehabilitation Their wildlife hospital treats 400-700 patients every year, and is currently the only raptor-specific wildlife clinic in Oregon. Public Education Each year, over 30,000 people visit their nature center, which is open year round and features nearly 40 resident education birds – one of the largest native North American raptor collections in the Pacific Northwest. How We're SupportingCascades Raptor Center Our company name, Cetan, comes from the Lakota word meaning ‘hawk spirit’. We feel that we can pay homage to these amazing raptors and help preserve their legacy for the future by honoring this great organization and everything it does to support hawks and other raptors in the wild. We're proud to support Cascades Raptor Center in the following ways: Annual Sponsorship Each year, we have the pleasure of being one of Cascades Raptor Center's Business Partners. The allows us to ensure our continued support of their mission by making contributions to the center annually. Event Sponsorship We also have the honor of sponsoring events for Cascades Raptor Center. All proceeds from these events support raptor conservation and educational efforts. --- > Cetan Funds is proud to receive feedback from our valued clients and learn how we helped them Build Wealth Through Real Estate. - Published: 2024-04-02 - Modified: 2024-04-22 - URL: https://cetanfunds.com/about/testimonials/ Testimonials --- > Cetan Opportunity Fund, our second fund launched in 2023, is a new real estate debt fund investment opportunity with Cetan. - Published: 2023-04-19 - Modified: 2025-04-24 - URL: https://cetanfunds.com/investors/cetan-opportunity-fund/ Cetan Opportunity FundINTRODUCING: CETAN OPPORTUNITY FUND Cetan Opportunity Fund, our second fund launched in 2023, is a new real estate debt fund investment opportunity with Cetan. Both Cetan Opportunity Fund and its predecessor Cetan Income Fund generate attractive returns and provide quarterly dividends to investors by funding short-term, business-purpose loans secured by real estate in Oregon and SW Washington. Unlike other real estate investments, with an investment in either Cetan Opportunity Fund or Cetan Income Fund no one investor funds a specific real estate secured loan. Instead, our investors pool their money in the Fund and the Fund purchases the loans we make, giving our investors exposure to every loan within the portfolio. Our team works closely with our borrowers to help their projects succeed. With our focus on diversification and our hands-on approach with borrowers, we mitigate risks and provide a greater return on investment for all investors. INVEST IN CETAN OPPORTUNITY FUND Cetan Opportunity Fund is only open to qualified Oregon residents. * Investing in this Fund is an excellent diversification strategy for Oregonians seeking to strengthen their portfolio. We have over 60 years of combined experience in lending and real estate development and have a proven track record of managing risk. We have historically delivered 8-10% annualized returns to investors in our first fund, Cetan Income Fund. The target average annualized return for Cetan Opportunity Fund is 8-12%. ** To read more about the differences between Cetan Opportunity Fund and Cetan Income Fund, please visit our Investors... --- > Cetan Income Fund, our original fund launched in 2017, is now one of two real estate debt fund investment opportunities with Cetan. - Published: 2023-04-19 - Modified: 2025-04-24 - URL: https://cetanfunds.com/investors/cetan-income-fund/ Cetan Income FundCETAN INCOME FUND Cetan Income Fund, our original fund launched in 2017, is now one of two real estate debt fund investment opportunities with Cetan. Both Cetan Income Fund and Cetan Opportunity Fund generate attractive returns and provide quarterly dividends to investors by funding short-term, business-purpose loans secured by real estate in Oregon and SW Washington. Unlike other real estate investments, with an investment in either Cetan Income Fund or Cetan Opportunity Fund no one investor funds a specific real estate secured loan. Instead, our investors pool their money in the Fund and the Fund purchases the loans we make, giving our investors exposure to every loan within the portfolio. Our team works closely with our borrowers to help their projects succeed. With our focus on diversification and our hands-on approach with borrowers, we mitigate risks and provide a greater return on investment for all investors. INVEST IN CETAN INCOME FUND The Cetan Income Fund is only open to accredited investors. * These investors can reside anywhere in the United States. Investing in this Fund is an excellent diversification strategy for investors seeking to strengthen their portfolio. We have over 60 years of combined experience in lending and real estate development and have a proven track record of managing risk and delivering 8-10% annualized returns to investors in Cetan Income Fund. ** To read more about the differences between Cetan Income Fund and Cetan Opportunity Fund, please visit our Investors Page for a comparison and Cetan Opportunity Fund... --- > Looking for a lender you can trust? Cetan Funds is proud to offer short-term Fix and Flip Rehab Loans to real estate investors in Oregon. - Published: 2021-09-29 - Modified: 2024-02-27 - URL: https://cetanfunds.com/fix-flip-rehab-loans/ Fix & Flip Rehab LoansHow Does a Fix and Flip Loan Work? Cetan Funds offers fix and flip rehab loans to real estate investors Fix and flip loans are short-term rehab loans that help residential real estate investors purchase a home, rehab it, and then sell or rent it quickly. This type of loan benefits investors by providing rapid, short-term financing (6-12 months) that enables an investor to snap up a great property without going through a lengthy lending process. From there, the investor can upgrade the property and set it up for resale at a higher price, rent it to tenants, or utilize it for other business opportunities. Fix and flip loans for investors provide opportunities to purchase and rehab distressed residential properties, so they can quickly repair and resell the property for a fast profit. Cetan Funds hard money fix and flip loans can finance up to 90-95% of the project costs and up to 70-75% of the property value after repairs. Essentially, a fix and flip rehab loan works by quickly providing real estate investors with needed capital at the outset of a project. The investor uses that money to buy a residential property and fix it up. From there, the investor can sell the property and repay the fix and flip bridge loan with the proceeds. Alternatively, the investor can rent and then refinance the property by getting a long-term loan from a traditional lending company, paying off the fix and flip loan and holding the... --- > We help businesses and investors get the short-term funding they need. For more information about commercial bridge loans, contact us today. - Published: 2021-09-29 - Modified: 2024-01-19 - URL: https://cetanfunds.com/commercial-bridge-loans/ Commercial Bridge LoansWhat is a Commercial Bridge Loan? Learn more about commercial real estate bridge loans At Cetan Funds, we provide real estate secured bridge loans for commercial or investment use. These are essentially commercial bridge loans with terms as long as 6-36 months. This type of loan is a short-term loan, and we require that every commercial bridge loan we provide is secured by commercial real estate. Our borrowers have obtained commercial bridge financing on apartment buildings, mixed-use and special-use buildings, office space, manufacturing plants, warehouses, industrial space, storage facilities, retail storefronts, hotels, motels, vacation rentals, and more. If a business owner needs a short-term loan to provide a quick injection of capital for their business, they may offer their office building, apartment complex, developed land, or other real property as collateral for a business loan secured by real estate. Every situation is different, and we are here to find a financing solution to help you achieve your business and investment goals. One great example of a commercial bridge loan from Cetan Funds was a business owner who owned and operated a manufacturing plant that he was trying to sell. He needed some cash to pay for deferred maintenance that needed to be addressed to make the property more attractive for potential buyers. He did not want to wait weeks or months for a bank loan. We provided a hard money loan quickly, secured by the real estate, thus leveraging his equity in the property. He was able to... --- > Cetan Funds is proud to provide short-term land acquisition loans as well as land development loans for residential and commercial real estate. - Published: 2021-09-29 - Modified: 2024-01-19 - URL: https://cetanfunds.com/land-acquisition-development/ Land Acquisition & DevelopmentShort-term Financing for Land Acquisition and Development Providing land acquisition and development loans for residential and commercial real estate Bare land acquisition, land entitlements, and horizontal land development are important components of a growing real estate industry. However, it can be difficult for an investor or land developer to free up enough capital to invest in a promising piece of land. The process is challenging and capital intensive. At Cetan Funds, we offer short-term, real estate secured land acquisition and development loans for bare land and development projects. Terms for hard money land development loans are generally 6-18 months, and we typically advance up to 50-65% of the value after the entitlements for horizontal improvements. We also offer bridge loans for bare land and developed lots for builders and investors. Developers come to us with plans for all types of land development projects, including residential homes, multifamily construction, cluster subdivisions, infrastructure improvements on bare land, zone changes for future development, and more. Often, developers and land acquisition and development companies use our land development bridge loans to buy bare land, work with cities and counties to get land use and development approval, change the use or subdivide the property, install new utility infrastructure and then sell the property to a builder or developer. Or they roll their development loan into a construction loan to take the project vertical themselves. At Cetan Funds, we are always interested in discussing your short-term land acquisition and development financing needs. We... --- > We help businesses and investors get the short-term funding they need. For more information about commercial construction loans, contact us today. - Published: 2021-09-29 - Modified: 2024-04-02 - URL: https://cetanfunds.com/commercial-construction-loans/ Commercial Construction LoansFinancing Commercial Construction Loans Offering short-term commercial building construction loans Cetan Funds provides construction loans secured by commercial property to real estate investors, property developers, and businesses in almost every industry. We have financed construction projects for a variety of property types, including retail, office, hospitality, multi-family, manufacturing, industrial, and more. Our commercial construction bridge loans usually have loan terms of 6-18 months, and finance up to 90-95% of the project costs and up to 70-75% of the as-complete or as-stabilized value. Commercial construction loan rates may vary, and short-term commercial construction financing is different from long-term financing provided by larger institutions. Cetan Funds commercial construction bridge loan rates typically range from 10-12%, which is only charged on the outstanding balance, not on the full commitment. Commercial construction loans financed by Cetan Funds have been used to help businesses grow and allow commercial real estate investors to realize a return on their investment. The only business type we do not work with is the cannabis industry. Properties for which companies and developers have obtained commercial construction financing include apartment buildings, mixed-use and special-use buildings, office space, manufacturing plants, warehouses, industrial space, storage facilities, retail storefronts, hotels, motels and vacation rentals, and more. Receiving a loan for construction to improve commercial property can be a long and challenging process when seeking financing from a traditional lender. Here at Cetan Funds, we work to understand your project and help you realize the potential of your commercial real estate investment with... --- > Looking for a lender you can trust? Cetan Funds offers short-term Residential Bridge Loans to investors in Oregon. Contact us today to learn more. - Published: 2021-09-29 - Modified: 2024-02-27 - URL: https://cetanfunds.com/residential-bridge-loans/ Residential Bridge LoansWhat is a Residential Bridge Loan? Cetan Funds offers short-term loans for residential real estate to investors, but what does that mean? Many businesses and investors seek hard money residential bridge loans to finance the acquisition or refinance of real estate. Bridge loans are ideal for investors, builders, or business owners hoping to access funds quickly. Often, a bridge loan is used in business to rapidly leverage assets by refinancing a rental property, commercial building, or multifamily apartment building. Investors and rental property owners may also use this type of hard money loan to be more competitive in a seller’s market, gaining the ability to close on a purchase of a residential real estate property in days rather than dragging it out for weeks or months with traditional loans. But what is a “bridge loan? ” A bridge loan is a short-term loan designed to get a borrower from point A to point B as quickly and efficiently as possible. If a residential real estate investor needs a quick closing to secure a new property, they can use a residential real estate bridge loan for the acquisition and rapidly refinance into a more permanent loan afterward. If a business owner needs cash for their business for a short period of time, they can quickly leverage their real estate to “bridge the gap. ” There are 3 kinds of term loans, short-term, intermediate-term, and long-term. At Cetan Funds, we are residential bridge loan lenders, therefore we only provide short-term... --- > Cetan Funds provides short-term residential construction loans to contractors and investors. Our loan process is fast, flexible and in-house. - Published: 2021-09-29 - Modified: 2024-02-27 - URL: https://cetanfunds.com/residential-construction-loans/ Residential Construction LoansFast, Flexible Residential Construction Loans Providing residential construction bridge financing for contractors and investors Cetan Funds provides short-term residential construction loans (6-18 months) to contractors and investors. These loans can finance up to 90-95% of project costs or up to 70-75% of the completed property value. Our residential construction loan process is fast, flexible, and in-house. You can expect to get an underwriting answer within 2-4 days of submission, and funding can occur as quickly as 7 days. Typically, borrowers from Cetan Funds are residential construction contractors, homebuilders or investors in the residential space. We do not fund owner-occupied construction. Instead, we provide financing for residential investment opportunities and different types of residential new construction loans. These include spec home construction financing, loans for residential investment property construction, bridge loans for rental home upgrades, short-term loans for vacation rentals, and more. When a traditional bank loan doesn’t work for your Oregon residential construction project, get in touch with Cetan Funds to arrange a hard money residential construction loan or a short-term loan for your rehab project. We often work closely with residential construction contractors, homebuilders and investors. We rapidly fund their construction projects, helping get these builds completed and paid off quickly within the expected time frame. Our goal is to help you succeed with your residential building construction project, and we hope to work with you on many more projects for years to come. Are you looking for a short-term loan for your Oregon residential construction project?... --- > Reach out to our team at Cetan Funds today for answers to your questions. Contact us directly at 458-215-3200. - Published: 2021-02-02 - Modified: 2024-08-19 - URL: https://cetanfunds.com/contact-us/ Contact UsLoan Inquiry For more information on how Cetan Funds can finance your real estate project, please fill out our inquiry form below. We will respond in two business days. Your Contact Information Information collected will only be used to evaluate your loan.   Name City State —Please choose an option—AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Phone Email Your Project Please note: Cetan Funds specializes in business purpose loans only. Residential owner-occupied properties are not eligible. Loan Purpose —Please choose an option—PurchaseRefinanceCash Out RefiRehab/Remodel Loan Type —Please choose an option—Residential ConstructionCommercial ConstructionFix & Flip ConstructionResidential TermCommercial TermBare Land or Land Development Loan Amount Property Type —Please choose an option—Residential 1-4Multi-FamilyCommercial Owner OccupiedCommercial Non-Owner Occupied Property Address Estimated Property Value Project Description This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Investor Inquiry For more information about investing in Cetan Income Fund, please fill out our inquiry form below. We will respond in two business days.   Your Contact Information Information collected will only be used to contact you.   Name City State —Please choose an option—AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Phone Email Comments This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Broker Inquiry If you have a deal you need help funding or want to inquire about our Broker Referral Program, please contact us below.   Your Contact Information Information collected will only be... --- > Meet the dedicated team members at Cetan Funds that are ready to help you Build Wealth Through Real Estate. - Published: 2021-02-01 - Modified: 2024-11-15 - URL: https://cetanfunds.com/about/cetan-funds-team/ Meet The Team Principal & CEO Mary Merriman Principal & CDO Steven Yett Principal & COO Zach Smith Associate & Office Administrator Kim Voorhies Lending Specialist Leah Hamilton Associate & Loan Officer Landon Matta Principal & CEOMary MerrimanMary is a native Oregonian and University of Oregon graduate with over 40 years of experience in commercial and consumer lending. She has held executive leadership roles throughout her career, including Chief Credit Officer and senior positions in credit administration. For a decade, she led an economic development lender and served as Executive Director of one of Oregon’s largest SBA-certified development companies. Mary brings deep expertise across all areas of commercial, residential mortgage, and construction lending for both businesses and consumers. Her extensive background spans finance, fund and credit administration, bank management, and public-sector economic development. Having navigated multiple economic cycles in Oregon, she offers sharp insight into both the risks and opportunities that shape the local lending landscape. Mary is a licensed mortgage loan originator (NMLS #811599). Principal & CDOSteven YettSteven holds a Bachelor of Science in Finance and Accounting from the University of Oregon and completed executive-level coursework at MIT’s Center for Real Estate in 1999. He is an experienced investor, developer, and manager of over 400,000 square feet of retail, office, industrial, and residential properties in the Eugene/Springfield area, with a portfolio valued at over $60 million. In addition to his development work, Steven has been an active private lender for more than 20 years. His deep experience in finance... --- > Cetan Funds is a hard money lender for real estate developers, builders, and investors. We are proud to serve the entire state of Oregon. - Published: 2021-02-01 - Modified: 2025-06-25 - URL: https://cetanfunds.com/about/ About UsMISSION Be the premier private money lender for real estate developers, builders, small businesses and residential housing investors. YOUR PREMIER HARD MONEY LENDERFOR OREGON REAL ESTATE Cetan Funds is a hard money lender making private loans to real estate developers, builders, investors, and small businesses. We are based in Eugene, Oregon, and serve the entire state. Our team has over 40+ years of local lending experience and nearly 30 years in local real estate development. OUR MISSION Our mission is to be the premier hard money lender in Oregon for real estate developers, home builders, residential and commercial contractors, small businesses and residential housing investors. We pride ourselves on being a modern lending company with traditional core values. In our day-to-day dealings, we maintain integrity, fairness, transparency, and commitment to the success of our investors and borrowers. OUR PHILOSOPHY Our name embodies the qualities we aspire to; Cetan (pronounced seet-n) is a word from Lakota tradition, meaning ‘hawk spirit. ’ The name is associated with keen vision, speed, and loyalty. As the preferred hard money lender in Oregon, we provide an efficient and flexible lending experience, while also offering our advice, counsel, and referrals to help borrowers succeed. We help real estate investors, builders, developers, and small businesses build wealth through real estate. If they win, we win and our investors win. Therefore, we do everything we can to support borrowers and their projects from start to finish. OUR PRIVATE LOAN PROGRAMS Visit our Loan Programs Page to learn... --- > The Cetan Funds Community Giving Program recognizes local organizations that make a positive difference in our communities. - Published: 2021-02-01 - Modified: 2024-08-19 - URL: https://cetanfunds.com/community-giving-program/ Supporting Cascades Raptor Center We are proud to be an annual sponsor of Cascades Raptor CenterCascades Raptor Center's Mission Cascades Raptor Center is a 501(c)(3) nonprofit nature center and wildlife hospital founded in 1987. It was incorporated in 1990 and moved to its current location on Spencer’s Butte in southwest Eugene in 1994. Their mission is to foster connections between humans and birds of prey through:   Wildlife Rehabilitation Their wildlife hospital treats 400-700 patients every year, and is currently the only raptor-specific wildlife clinic in Oregon. Public Education Each year, over 30,000 people visit their nature center, which is open year round and features nearly 40 resident education birds – one of the largest native North American raptor collections in the Pacific Northwest. How We're SupportingCascades Raptor Center Our company name, Cetan, comes from the Lakota word meaning ‘hawk spirit’. We feel that we can pay homage to these amazing raptors and help preserve their legacy for the future by honoring this great organization and everything it does to support hawks and other raptors in the wild. We're proud to support Cascades Raptor Center in the following ways: Annual Sponsorship Each year, we have the pleasure of being one of Cascades Raptor Center's Business Partners. The allows us to ensure our continued support of their mission by making contributions to the center annually. Event Sponsorship We also have the honor of sponsoring events for Cascades Raptor Center. All proceeds from these events support raptor conservation and educational efforts. --- > Check out real success stories from projects recently funded by Cetan Funds. Working on a project of your own? Contact us today! - Published: 2021-02-01 - Modified: 2024-08-21 - URL: https://cetanfunds.com/recently-funded-projects/ Recently Funded Read about some of our recently funded projects. We feature 1-2 projects each month here on our blog. For more information or to learn about additional projects we have funded, please contact us. --- > Check out the latest news and projects from Cetan Funds. We help you Build Wealth Through Real Estate. Learn more by contacting us today. - Published: 2021-02-01 - Modified: 2024-08-21 - URL: https://cetanfunds.com/projects/ ProjectsRead about some of our past projects and Cetan success stories. We feature 1-2 projects each month here on our blog. For more information or to learn about additional projects we have funded, please contact us. --- > Cetan Income Fund is a private real estate debt fund that generates attractive risk-adjusted returns and stable quarterly distributions in Oregon. - Published: 2021-01-20 - Modified: 2025-04-24 - URL: https://cetanfunds.com/investors/ InvestorsOREGON'S PREMIER REAL ESTATE DEBT FUNDS Cetan Funds now offers two real estate debt fund investment opportunities. Investing in a real estate debt fund at Cetan Funds offers investors attractive returns through the funding of short-term, business-purpose loans secured by real estate in Oregon and SW Washington. Investing in a real estate debt fund with Cetan is an excellent diversification strategy for investors seeking to strengthen their portfolio. We have over 60 years of combined experience in lending and real estate development and have a proven track record of managing risk and delivering 8-10% annualized returns to investors. * INVEST IN A REAL ESTATE DEBT FUND Unlike other real estate investments, with an investment in a real estate debt fund, no one investor funds a specific real estate secured loan. Instead, our investors pool their money in the Fund of their choice and the Fund purchases all of the loans we make, giving our investors investment exposure to every loan within the portfolio. Our team works closely with our borrowers to help their projects succeed. With our focus on diversification and our hands-on approach with borrowers, we mitigate risks and provide a greater return on investment for all investors. To read more about the differences between our two real estate debt funds, Cetan Income Fund and Cetan Opportunity Fund, please see the chart below for a comparison. Then, feel free to explore each Fund offering following their respective links above. FUND COMPARISON Cetan Income Fund Cetan Opportunity Fund Oregon/SW Washington... --- > Cetan Funds serves real estate investors, developers, builders, and small businesses as premier Oregon private lenders. - Published: 2021-01-19 - Modified: 2024-01-29 - URL: https://cetanfunds.com/borrowers/ BORROWERS OREGON PRIVATE LENDERS Cetan Funds is the premier private lender in Oregon that enables small businesses, home builders, commercial contractors, residential investors, and boutique developers to finance real estate projects quickly and flexibly. We take a common sense, personalized approach to lending that we call the Cetan Advantage. Leverage our years of experience in the real estate lending industry to gain the knowledge and information you need to succeed with your project. When you work with Cetan Funds, you work with a team of Oregon private lenders that want you to succeed. We provide free consultations, free project and property evaluation and will help you calculate the rate of return or profit margin on potential opportunities. Our goal is to work with you on many projects in the years to come. That is why each project gets individualized attention and tailored lending options. Scroll down to learn more about the Cetan Advantage and our lending process, or contact us to provide information about your project. EXPERIENCED PRIVATE LENDERS IN OREGON We invite borrower collaboration. Together, we design a loan solution that is right for the situation. We bring our extensive local market experience in lending and real estate development to our decisions. We work fast – once approved, borrowers typically receive funds within 7 days. A Cetan Funds loan is a relationship and not just a one-way business transaction. Once funded, you can always contact one of our founders for advice, to discuss new opportunities, or to help solve... --- > Cetan Funds, LLC is committed to protecting your privacy and ensuring that your personal information and visits to our website are completely secure. - Published: 2017-08-08 - Modified: 2024-02-27 - URL: https://cetanfunds.com/privacy-policy/ PRIVACY POLICY   OUR COMMITMENT TO YOUR PRIVACY Cetan Funds, LLC is committed to protecting your privacy and ensuring that your personal information and visits to our website are completely secure. If you have any questions or problems with any aspect of our privacy policy or its implementation, please contact our privacy officer, Mary Merriman at mary@cetanfunds. com. SECURITY OF YOUR PERSONAL INFORMATION To maintain the security of your information, we use the Transport Layer Security (TLS) protocol with 128-bit or higher encryption strength to transmit sensitive information. This is the same technology used in transmitting sensitive information by banks, governments, and online businesses such as Amazon. com and eBay. Once the information is in our system, it is accessible to authorized Cetan Funds, LLC personnel and third party vendors only. We strictly enforce our privacy policies with our employees and any breach of this policy will result in termination and the pressing of criminal charges where there are grounds. HOW WE USE YOUR PERSONAL INFORMATION Your personal information will be used to provide you with the requested products and services. This includes the use of information for completing transactions or communicating back to you. Credit card and bank account numbers are used only for payment processing and are not used for any other purpose. We may also use personal information in a manner that does not identify you specifically nor allow you to be contacted but does identify certain property information such as loan amount, photographs of the project... --- > Cetan Funds is a private money lender and real estate loan originator in Oregon. We help you Build Wealth Through Real Estate. - Published: 2017-03-21 - Modified: 2025-06-25 - URL: https://cetanfunds.com/ Cetan (seet-n): the hawk spirit in Lakota tradition signifying keen vision, speed, loyaltyCETAN FUNDS BUILD WEALTH THROUGH REAL ESTATECetan (seet-n): the hawk spirit in Lakota mythology signifying keen vision, speed, loyaltyYOUR PRIVATE MONEY LENDER IN OREGON The right private money lender makes all the difference. Cetan Funds is the partner you need to secure the proper funds for fix and flip projects, residential and commercial construction, and other real estate investments and construction projects. Our experience as a private money lender in Oregon makes the process of borrowing both simple and straightforward. Cetan Funds works with both borrowers and investors. Click the links below to learn more and get started. About Cetan Funds Cetan Funds is a real estate loan originator and private money lender in Oregon. We are based in Eugene and offer our services throughout the state for real estate developers, builders, and investors. Our team has over 40 years of local lending experience, as well as nearly 30 years of experience in local real estate development, giving us a unique perspective on the needs of professional borrowers in Oregon. As your preferred private money lender in Oregon, you can count on us to offer the guidance and support you need. We are committed to your success and forming a reliable, long-term partnership. As you pursue your goals now and in the future, Cetan Funds is here to help you succeed. THE CETAN ADVANTAGE The Cetan Advantage is what makes us stand out from any other private money... --- --- ## Posts > Cetan Funds recently funded a fix and flip loan in Salem for a single-family home. As a purchase-only loan, we provided 100% financing for the acquisition. - Published: 2025-06-25 - Modified: 2025-06-25 - URL: https://cetanfunds.com/fix-and-flip-loan-in-salem-oregon/ - Categories: Recently Funded - Tags: fix and flip, fix and flip financing, fix and flip lender, fix and flip lenders, fix and flip loan, fix and flip loan in Salem, fix and flip loans, fix and flip loans in Salem, fix and flips, hard money lender, hard money lenders, hard money loan, hard money loans, private money lender, private money lenders, private money loan, private money loans, residential construction loan, residential construction loans, Salem fix and flip loan, Salem fix and flip loans Cetan Funds recently funded a fix and flip loan in Salem, Oregon for a small single-family home. The property was acquired by a team of experienced investors who also run their own construction company. Located just north of downtown Salem, the home is ideally situated near shops, restaurants, and schools, making it a great candidate for an affordable, entry-level resale. The borrowers are planning a light cosmetic renovation focused on improving curb appeal and updating the interior. Exterior upgrades will include a new roof and new siding—two areas where the borrowers bring deep professional expertise. With their background in roofing and siding, they’ll be doing the work themselves, keeping costs low and timelines tight. This was a purchase-only loan, with Cetan Funds providing 100% financing for the acquisition. The borrowers are covering renovation costs, loan fees, and closing costs out of pocket, demonstrating strong skin in the game and a commitment to project success. As repeat clients, we're confident they can deliver good results, and we’re excited to support them again as they continue to grow their real estate business. Looking to finance your next flip or build your portfolio? Cetan Funds offers fast, flexible funding to help you move quickly and scale with confidence. Loan Purpose Fix and Flip At Cetan Funds, we specialize in funding fix and flip projects like this one in North Salem. Our short-term loans are designed for real estate investors who move quickly—acquiring, renovating, and reselling properties for profit without the red tape of... --- > Sourced from our website and trusted organizations, these are the hard money lending tools that every Oregon real estate investor should know. - Published: 2025-06-02 - Modified: 2025-06-02 - URL: https://cetanfunds.com/hard-money-lending-tools/ - Categories: Cetan Articles - Tags: hard money lenders, hard money lending, hard money lending tools, hard money lending tools for investors, hard money loans, Oregon hard money lending tools, Oregon real estate investing, Oregon real estate investing tools, Oregon real estate investors, private money lenders, private money lending, private money lending tools, private money loans, real estate calculators for investors, real estate lending calculators, tools for investors At Cetan Funds, we're more than just a lender. We're a partner in your success, offering tools and knowledge that help you move faster, work smarter, and close with certainty. Our experienced team understands how important speed, clarity, and dependable financing are for real estate investors, especially when you're working against the clock. Whether you're flipping your first property or aiming to streamline loan management and due diligence, these essential tools - sourced from our website and trusted organizations - are built to give you a real edge in this growing market. Hard Money Loan CalculatorsCetan Funds offers free calculators to help you make informed decisions by estimating construction costs, interest-only payments, and the maximum price someone should be willing to pay for a residential investment property. Here's a list of the calculators available: Rule-of-Thumb Rehab Estimator: Cetan Funds' Rule-of-Thumb Rehab Estimator provides rough cost estimates for renovating single-family homes based on their extensive experience in Oregon and Washington markets. It's a helpful tool for getting ballpark figures but should only be used for informational purposes, as actual costs vary widely by location and project specifics. Cetan Interest-Only Payment Calculator: Use this tool to estimate your interest-only payments based on a given loan amount. It's designed for general planning purposes. If you're applying for a loan and need precise figures tailored to your situation, contact your loan officer. Maximum Allowable Offer Calculator: The Maximum Allowable Offer (MAO) formula helps investors determine the highest price for a residential property, like a... --- > Cetan Funds recently funded a fix and flip loan for a single-family home in the desirable Cedar Hills neighborhood of Beaverton, Oregon. - Published: 2025-05-15 - Modified: 2025-06-02 - URL: https://cetanfunds.com/fix-and-flip-loan-in-beaverton-oregon/ - Categories: Recently Funded - Tags: Beaverton fix and flip loan, Beaverton fix and flip loans, fix and flip, fix and flip lender, fix and flip lenders, fix and flip loan, fix and flip loan Beaverton, fix and flip loans, fix and flip loans Beaverton, fix and flip rehab loan, fix and flip rehab loans, hard money lender, hard money lenders, hard money loan, hard money loans, private money lender, private money lenders, private money loan, private money loans Cetan Funds recently funded a fix and flip loan for a single-family home in the desirable Cedar Hills neighborhood of Beaverton, Oregon. The borrower purchased the property from a tired landlord looking to sell quickly and without hassle. One condition of the sale was that the home would be acquired tenant occupied. A cash-for-keys agreement was signed, setting a move-out date shortly after closing. Renovation work will begin once the property is vacant. The project will be a full remodel. With a renovation budget exceeding $100,000, the entire interior will be updated, along with several key exterior improvements. The home sits just behind Cedar Hills Crossing, offering excellent walkability to shops, restaurants, and other amenities. It’s also just minutes from major employers like Nike HQ, making it well-positioned to attract strong buyer interest. We originally funded this investor’s first flip earlier this year, and they’ve continued to build momentum. This marks their third project and another step in growing and scaling their business with our support. Looking to grow your fix and flip business? Cetan Funds is here to help you take the next step. Loan Purpose Fix and Flip At Cetan Funds, we make fix and flip projects happen. Our short-term financing is built for real estate investors who buy, renovate, and resell properties for profit, without the delays, restrictions, or property condition hurdles that slow down traditional lenders. Our fix and flip loans are a great fit for investors acquiring distressed or outdated properties, experienced flippers who need... --- > New to real estate investing? Start here. These are the must-know lending terms for flips, rentals, and small developments. - Published: 2025-04-30 - Modified: 2025-04-30 - URL: https://cetanfunds.com/lending-terms-for-real-estate-investors/ - Categories: Cetan Articles - Tags: after-repair value, ARV, bridge loan, collateral, construction draws, construction holdback, draw schedule, duration, hard money loan, lending terms for real estate investors, loan term, loan-to-value ratio, LTV, points and origination fees, pooled private equity fund, pre-approval letters and fund guarantee statements, prepayment penalty, private lender, promissory note, real estate investing, real estate investors Real estate investing, whether you’re flipping houses or building a fourplex, means learning a new financial language. Private loans can be powerful tools, but acronyms like LTV or ARV often sound like alphabet soup to newcomers. This guide breaks down key terms in private lending and hard money financing, with clear definitions and examples. The goal: help you speak the language of real estate finance and understand how a local lender like Cetan Funds can be a strategic partner. #1. Hard Money LoanDefinition: A hard money loan is a short-term real estate loan based primarily on the property’s value, not the borrower’s credit. Example: You find a fixer-upper that needs to close in 10 days. A bank won’t move that fast, but a hard money lender like Cetan Funds could approve and fund the deal in time—focusing on the property as collateral so you can start renovations immediately. In these scenarios, hard money lenders can move faster than traditional lenders. #2. Private LenderDefinition: A private lender refers to any non-depository individual or private company, like Cetan Funds, that lends money for business/investment purposes typically on real estate . These lenders use their own capital or investor-backed funds to finance loans, typically offering quicker approvals and flexible terms than traditional banks. Hard money lenders are almost always private lenders, but not all private lenders are hard money lenders. Example: If a borrower doesn’t qualify for a bank loan due to limited credit history, a local private lender may still provide funding... --- > Cetan Funds recently funded a loan for a luxury home fix and flip project in Bend. When the original lender couldn't proceed, we stepped in to help. - Published: 2025-04-15 - Modified: 2025-04-30 - URL: https://cetanfunds.com/luxury-home-fix-and-flip-loan-in-bend-oregon/ - Categories: Recently Funded - Tags: Bend fix and flip loan, Bend fix and flip loans, fix and flip lenders, fix and flip loan, fix and flip loan Bend, fix and flip loans, fix and flip loans Bend, hard money lender, hard money lenders, hard money loan, hard money loans, luxury home fix and flip, luxury home fix and flip loan, luxury home fix and flip loans, luxury home flip loan, luxury home flip loans, private money lender, private money lenders, private money loan, private money loans Cetan Funds recently funded a fix and flip loan for a luxury home in the high-demand Bend market. The borrowers—experienced contractors and seasoned house flippers—sourced an excellent off-market opportunity on a larger property, but hit a snag when their original lender couldn’t proceed due to acreage restrictions. Fortunately, they were referred to us. We moved quickly to structure and close the loan so the investors could seize the deal without delay. With a renovation budget of approximately $100,000, they’re transforming the home into a high-end listing targeted toward discerning Bend buyers. This isn’t their first rodeo either—they recently completed a similar luxury home fix and flip in the area with strong results, and their reputation continues to grow with each successful project. At Cetan Funds, we specialize in helping experienced real estate investors stay agile and competitive. Whether a project is on a larger parcel, needs fast underwriting, or requires a flexible funding structure, we step in where traditional lenders can’t. If you're flipping homes, building spec projects, or tackling unique properties that need tailored financing, reach out. We’re here to help you move fast and win good deals. Loan Purpose Fix and Flip Here at Cetan Funds, we specialize in fix and flip loans—short-term financing designed for real estate investors who buy, renovate, and resell properties for profit. Traditional lenders often can’t meet the speed, flexibility, or property condition requirements these projects demand. That’s where we come in. Our fix and flip loans are ideal for: Investors purchasing distressed... --- > Understanding how our hard money rehab and construction loans work can be the key to unlocking your next profitable investment. - Published: 2025-03-24 - Modified: 2025-04-30 - URL: https://cetanfunds.com/rehab-and-construction-loans/ - Categories: Cetan Articles - Tags: construction loans, hard money construction lenders, hard money construction loans, hard money lenders, hard money loans, hard money real estate lenders, hard money real estate loans, hard money rehab and construction loans, hard money rehab lenders, hard money rehab loans, real estate investments, rehab and construction loans, rehab loans Why Hard Money Loans? Real estate investing is one of the most effective ways to build wealth, but securing the right financing can be a challenge. Traditional bank loans often come with long approval times, rigid requirements, and limited flexibility—none of which are ideal when speed and adaptability are crucial. That’s where hard money rehab and construction loans come in. These fast, flexible loans provide real estate investors with the capital needed to acquire, renovate, or build properties without the delays and restrictions of conventional financing. Whether you’re flipping a distressed property or starting a new construction project, understanding how these loans work can be the key to unlocking your next profitable investment. What Are Hard Money Loans? Hard money loans are short-term, asset-backed loans from private lenders like Cetan Funds. Unlike traditional financing, which relies heavily on a borrower’s credit score and financial history, hard money loans are secured primarily by the value of the property itself. Real estate investors commonly use these loans for: Fix-and-flip projects New residential construction Rental property acquisitions Commercial developments Land acquisition and development Among the various hard money loan options, rehab loans (fix-and-flip loans) and construction loans stand out as essential tools for investors looking to scale their businesses quickly. How Hard Money Rehab Loans Work at Cetan FundsRehab loans—also known as fix-and-flip or fix-and-rent loans—provide financing for purchasing and renovating distressed properties. These loans allow investors to make necessary improvements and either sell the property for a profit or rent and refinance... --- > Cetan Funds is pleased to announce that we recently funded a land development loan for an exciting project in a highly desirable part of North Eugene. - Published: 2025-03-15 - Modified: 2025-03-24 - URL: https://cetanfunds.com/land-development-loan-for-a-5-lot-subdivision-in-eugene-oregon/ - Categories: Recently Funded - Tags: Eugene land development loan, Eugene land development loans, hard money loan, hard money loans, land development loan, land development loan Eugene, land development loan Oregon, land development loans, land development loans Eugene, land development loans Oregon, Oregon land development loan, Oregon land development loans, private money loan, private money loans, Subdivision Development Loan, Subdivision Development Loans Cetan Funds recently funded a land development loan for an exciting project in a highly desirable part of North Eugene. The borrower, a long-time property owner, had originally used the land as a rental but saw an opportunity to create much-needed infill housing. With a fully approved subdivision plan, engineered permits in hand, and city approvals secured, all he needed was a lender willing to fund the development and pay direct to his general contractor—Cetan Funds stepped in to make it happen. The project is progressing exceptionally well, with utilities being installed and grading underway to prepare for a private road leading to each of the five new lots. Once development is complete, the borrower plans to either partner with a trusted local builder—one Cetan Funds has worked with previously—to construct homes for sale, or sell the lots to builders or homeowners for future construction. Either way, this project will help expand housing options in a part of Eugene where demand is strong. At Cetan Funds, we take pride in supporting smart, strategic development that strengthens local communities. This project is a great example of how we help experienced real estate investors unlock the value of their land and move their projects forward with speed and flexibility—something traditional lenders often can’t provide. If you’re a developer or investor looking for financing to subdivide land, build homes, or fund other real estate projects, reach out to us today—we’d love to help you bring your vision to life. Loan Purpose Land Development... --- > When it comes to funding your next project, you may be wondering how private money lending works. We're here to shed light on this topic. - Published: 2025-02-25 - Modified: 2025-04-30 - URL: https://cetanfunds.com/how-private-money-lending-works/ - Categories: Cetan Articles - Tags: hard money lenders, hard money lending, hard money loans, how do hard money loans work, how do private money loans work, how hard money lending really works, how hard money lending works, how private money lending really works, how private money lending works, oregon hard money lender, oregon hard money lending, Oregon private money lender, oregon private money lending, private money lenders, private money lending, private money loans Private money lending can be an integral part of your real estate investments. When it comes to funding your next project, you may be wondering what the best options are and how the loans really work. We’d like to shed light on how private money lending works to help you understand where private money comes from and how these loans can work to fund your next deal. How Does Private Money Lending Work? Private money lenders use private capital to fund loans, which are typically only used for business or investment purposes. These loans are usually short-term. Private money loans offer financing for many situations, including residential and commercial construction, fix and flip rehabs, bridge loans for purchases or refinances, and land acquisition and development projects. Here at Cetan funds, we have loan programs for all of these opportunities. Sometimes private capital from a single private investor is used to fund these types of loans. However, it’s more common for borrowers to work with a lending company, like Cetan Funds, to ensure a reliable, experienced source of funding. (More on this later... ) Private money lending companies usually charge an origination fee, which is based on a certain percentage of the loan amount. These are known as points, and they cover the company’s overhead and operations. Many companies also charge fees such as doc prep or processing fees, appraisal fees, credit report fees, and a host of other fees. Here at Cetan, we only charge a single administrative fee and... --- > Cetan Funds recently funded a Klamath Falls residential construction loan for an experienced builder developing four homes simultaneously. - Published: 2025-02-15 - Modified: 2025-04-30 - URL: https://cetanfunds.com/residential-construction-loan-for-four-homes-in-klamath-falls-oregon/ - Categories: Recently Funded - Tags: hard money lender, hard money lenders, hard money lending, hard money loan, hard money loans, Klamath Falls hard money loan, Klamath Falls private money loan, Klamath Falls residential construction loan, Klamath Falls residential construction loans, private money lender, private money lenders, private money lending, private money loan, private money loans, residential construction, residential construction loan, residential construction loan Klamath Falls, residential construction loans, residential construction loans Klamath Falls Cetan Funds recently provided financing for an exciting new residential construction project in Klamath Falls, where an experienced builder is developing four homes simultaneously. By constructing multiple homes at once, the builder is leveraging economies of scale—reducing costs, streamlining timelines, and optimizing efficiency. This project is already off to a strong start. One of the four homes has been pre-sold to a 1031 exchange buyer, demonstrating strong demand in the market. Construction is progressing exceptionally well, with the builder staying on schedule and making great strides toward completion. Once finished, one of the homes will be refinanced and held as a model home to showcase the quality and design of future builds in the subdivision. The remaining two units will be sold, helping to meet the growing demand for housing in the area. Looking ahead, the builder has plans to continue developing the subdivision with another four homes in the next phase of the project. By taking a strategic, phased approach, they are creating a sustainable path for growth while contributing to the local housing supply. At Cetan Funds, we take pride in supporting experienced builders and developers with tailored financing solutions that traditional lenders often overlook. We understand the challenges of financing multi-home construction projects and are committed to helping our borrowers succeed. This project in Klamath Falls is a great example of how we help builders turn their vision into reality, and we’re excited to see it come to life. If you’re a builder or developer looking for... --- > In this post, we'll look at a few things we can do to support your real estate venture as a private lender, and a few things we cannot. - Published: 2025-01-23 - Modified: 2025-04-30 - URL: https://cetanfunds.com/what-we-do/ - Categories: Cetan Articles - Tags: commercial bridge loans, commercial construction loans, fix and flip rehab loans, Land Acquisition and Development, Oregon private money lender, private lender for real estate investments, private money lender, private money lenders, private money lending, private money loan, private money loans, residential bridge loans, residential construction loans, SW Washington private money lender, what we do, what we don't do As a private lender for real estate investments in Oregon and SW Washington, we offer hard money loans that apply to a variety of projects. If you’re a real estate investor, developer or builder with a project in our region, we can probably help you with your funding needs. Knowing what we can do for you is important as you begin your next real estate investment. We can help guide you through implementing the best strategy for your project that will help you to gain the most profit for the work you’re putting into it. Essentially, we’ll be working hard to help you build wealth through real estate. Of course, not every private lender is going to offer the same opportunities. Here are a few things we can do to support your real estate venture, and a few things we cannot. What We DoCetan Funds is a hard money lender providing private loans to real estate investors, developers, builders, and small businesses. Our team has over 40 years of local lending experience and over 30 years in local real estate development. All of our loans are exclusively for business and investment purposes. Being a modern lending company with traditional core values, we pride ourselves in maintaining integrity, fairness, transparency, and a commitment to the success of our investors and borrowers. Our borrowers work directly with their loan officer from start to finish, navigating each step of their real estate project as a team. You won’t find multiple departments, third-party inspectors,... --- > Cetan Funds recently funded an apartment complex bridge loan for a reverse 1031 exchange by a seasoned investor in Southern Oregon. - Published: 2025-01-15 - Modified: 2025-01-24 - URL: https://cetanfunds.com/apartment-complex-bridge-loan-for-reverse-1031-exchange/ - Categories: Recently Funded - Tags: apartment complex bridge loan, apartment complex bridge loan for reverse 1031 exchange, apartment complex bridge loan Southern Oregon, commercial bridge lender, commercial bridge loan, commercial bridge loan Southern Oregon, commercial bridge loans, hard money lender, hard money loan, hard money loans, private money lender, private money loan, private money loans, reverse 1031 exchange, Southern Oregon apartment complex bridge loan, Southern Oregon commercial bridge loan Cetan Funds recently funded an apartment complex bridge loan for a creative reverse 1031 exchange for a seasoned investor acquiring a 10-unit complex. The borrower wanted to complete a 1031 tax-deferred exchange, moving from several single-family rental properties into a larger, income-producing asset. While he had not yet sold his rental properties, he identified an opportunity he couldn’t pass up. To seize it, he structured a reverse 1031 exchange, allowing him to purchase the apartment complex first and complete the exchange by selling his other properties over the next six months. We worked closely with the title and exchange companies to structure this as an apartment complex bridge loan, covering most of the complex’s purchase price. To strengthen the loan, the borrower’s rental properties—intended for sale and part of the exchange—were used as additional collateral. As each property is sold, the proceeds will go toward paying down the loan, completing the exchange into the new apartment complex. The process is already underway, with one of the homes selling shortly after closing. This approach enabled the borrower to secure a more valuable asset for his portfolio while leveraging a tax-advantaged strategy. We’re thrilled to have supported this investor in achieving his goals through creative financing solutions. Loan Purpose Commercial Bridge Loan Cetan Funds provides bridge loans secured by commercial real estate designed to meet the short-term funding needs of businesses and investors. With terms ranging from 1 month to 5 years, these loans are often secured by properties such as apartment... --- > Curious how to leverage equity for new investments? Let's take a look at a few ways to make the equity in your property work for you. - Published: 2024-12-19 - Modified: 2024-12-19 - URL: https://cetanfunds.com/leverage-equity-for-new-investments/ - Categories: Cetan Articles - Tags: bridge loans, cash-out refinance, cross-collateralization, hard money loans, HELOC, home equity line of credit, how to leverage your equity to keep investing, leverage equity for new investments, leveraging equity for real estate investments, real estate investment strategies, real estate investment strategy If you’ve purchased a home or invested in a rental property in the past, you may be familiar with the feeling of pride and achievement that comes with seeing the value of your real estate investment go up. The equity you’ve built can take you even further as you consider adding more real estate to your investment portfolio. Unsure how to leverage equity for new investments? You’re in the right place. Keep reading to learn how. To start, equity is the portion of your property’s value that you own outright—essentially, the difference between your property’s market value and the balance of any loans secured against it. Now how can you use equity as a strategy to purchase more real estate? There are several ways to approach this type of real estate investment strategy. Let's take a look at a few ways to make the equity in your property work for you. Hard Money LoansUsing the equity you’ve gained to get started on your next real estate project using a hard money loan can be one route to take. These are the types of loans we specialize in. For example, if you own a rental property without any debt on it, you can quickly pull out cash using a hard money loan with your rental property as collateral. This loan can be used to buy a new property with cash. Underwriting these loans is straightforward and often faster than other loan types. If you own a property free and clear and... --- > Cetan Funds recently funded a fix and flip loan for a condo in Beaverton, Oregon. The demo has already been completed and the renovation is underway. - Published: 2024-12-16 - Modified: 2025-01-24 - URL: https://cetanfunds.com/fix-and-flip-loan-on-condo-in-beaverton-oregon/ - Categories: Recently Funded - Tags: Beaverton fix and flip loan, Beaverton fix and flip loans, condo fix and flip, fix and flip, fix and flip for a condo, fix and flip lender, fix and flip lenders, fix and flip lending, fix and flip loan, fix and flip loan in Beaverton, fix and flip loans, fix and flip loans in Beaverton, fix and flip on a condo, residential construction loan, residential construction loans Cetan Funds recently funded a fix and flip loan for a condo in Beaverton, Oregon. The property, built in 1977, was in good condition but required a cosmetic remodel. Our client was searching for their first flip opportunity and was able to secure the property for a great deal. The borrower plans to complete the renovations on a quick timeline of just 30-60 days. The project will include modernizing the kitchen and bathrooms, upgrading the flooring, and fresh paint, as well as some other minor updates throughout the home. After completion, the borrower will sell the property at market value and roll the profits into the next project. We were able to get the loan approved and ready to close without any delays. This loan was structured to cover 80% of the total project costs, including renovation expenses. The demo has already been completed and the renovation is underway! We can’t wait to see how this quick flip turns out. Loan Purpose Fix and Flip Cetan Funds offers tailored fix-and-flip loans for investors aiming to purchase, renovate, and resell properties for a profit. Our loans provide the capital needed to increase property value and maximize returns, with a streamlined process that helps investors move quickly from purchase to sale. We cover up to 90% of total project costs, including renovations, with flexible 6- to 12-month terms and interest charged only on the outstanding balance. Whether it’s a distressed fixer-upper or a partially built construction project, we can finance properties in... --- > Fix and flip projects can be both profitable and time consuming so let’s dive into a few fix and flip tips for a successful project. - Published: 2024-11-22 - Modified: 2025-03-24 - URL: https://cetanfunds.com/fix-and-flip-tips/ - Categories: Cetan Articles - Tags: fix and flip, fix and flip lender, fix and flip lenders, fix and flip lending, fix and flip loan, fix and flip loans, fix and flip project, fix and flip projects, fix and flip tips, fix and flips, hard money loan, hard money loans, private money loan, private money loans, residential construction lender, residential construction lenders, residential construction lending, residential construction loan, residential construction loans, tips for a successful fix and flip project, tips for fix and flip projects If you’re well versed in fix and flip real estate projects, you likely already know what it takes to pull it off successfully and generate a profit. If not, there are a few things that might be helpful to know to get the project off the ground and keep it moving forward smoothly. Knowing what to expect can make the outcome successful, with fewer surprises or unknown costs that can undermine your profit. Fix and flip projects can be both profitable and time consuming. Your initial financial investment, your scope of work, and your time commitment can all make a big difference in your bottom line. Let’s dive into a few fix and flip tips for a successful project. Create A TimelineEvery great project begins with a plan. Step one has two parts. The first is creating a budget, and the second is establishing a timeline. Basically, how much is this project going to cost? And how long is it going to take? We help organize budgets for flippers, ensuring things generally flow in a consistent order. Knowing what your budget will be for each stage of the operation helps you to stay on track with both your money and your time. For example, your timeline might look something like this: Demo property, clean out space, conduct asbestos/mold remediation if needed Upgrade exterior: roof, foundation, windows, and siding Interior rehab: structural changes, framing, insulation, drywall, plumbing, and electrical Bathroom upgrades: toilets, showers, tubs, and sinks Update cabinets and counters Paint... --- > Cetan Funds recently financed a residential construction loan in Oceanside, Oregon for three spec homes. We’re excited to see the finished homes soon! - Published: 2024-11-15 - Modified: 2024-11-22 - URL: https://cetanfunds.com/residential-construction-loan-for-three-homes-in-oceanside-oregon/ - Categories: Recently Funded - Tags: loans for residential construction, oceanside residential construction loan, oceanside residential construction loans, residential construction, residential construction loan, residential construction loan in oceanside, residential construction loans, residential construction loans in oceanside, spec home construction loan, spec home construction loans Cetan Funds recently financed a residential construction loan in Oceanside, Oregon for three homes. These spec homes are being built simultaneously and will be individually listed and sold to local buyers. The lots were purchased together by two investors who had prior experience constructing tiny shipping container homes in the area but were new to full-scale, ground-up stick-built construction. To maximize economies of scale, they planned to build all three homes at once. Despite their significant investment of time and resources, as well as a well-developed, practical project plan, they faced rejection from other lenders, including banks and private lenders. Financing multiple spec builds on the Oregon Coast can be challenging—but that’s where Cetan Funds excels. We thoroughly reviewed the investors' plans, budgets, experience, and the local market in Oceanside. Confident in the project's viability, we provided a construction loan that closed once their permits were approved and was sufficient to cover vertical construction costs as well as loan fees and closing costs. These affordable homes address a critical housing need in the area, and upon completion, they are expected to sell quickly, with the loan likely repaid after the first two sales. Construction is progressing smoothly, and we’re excited to see the finished homes soon! Loan Purpose Residential Construction Cetan Funds specializes in providing residential construction loans to contractors and investors in Oregon. These short-term loans, typically lasting 6 to 18 months, are designed to bridge financing gaps and offer a fast, flexible alternative to traditional lenders. Whether you're... --- > Location, location, location - Discover why Oregon, where diverse opportunities meet a growing market, is a great location for real estate investing. - Published: 2024-10-30 - Modified: 2024-11-22 - URL: https://cetanfunds.com/real-estate-investing-in-oregon/ - Categories: Cetan Articles - Tags: Cetan Income Fund, Cetan Opportunity Fund, hard money lending, invest in Oregon real estate, investing in Oregon real estate, investing in real estate, Oregon real estate, private money lending, real estate investing, real estate investment opportunities, real estate investment opportunities in Oregon, real estate investments, real estate investments in Oregon Real estate can be one of the most valuable assets, especially in today's volatile times. Historically, real estate has almost always been a worthwhile investment. Property values have steadily and consistently increased over time in the face of economic turbulence and inflation. This has generally been true whether the investment is bare land or developed real estate. Where you buy, what you buy, and how you invest are big decisions in your real estate investment journey. You’ve likely heard the saying, “Location, location, location. ” With this in mind, some real estate will be more desirable than others. When looking around for your next real estate investment opportunity, we strongly recommend you put Oregon at the top of your list. If you’re familiar with Oregon, you’re aware of the boundless beauty and diversity of this state. With mountains, valleys, coastal, and high desert geographical regions, Oregon offers a wealth of scenic options and climates. The dominant economic area runs through the I-5 corridor, with the largest cities being Portland, Salem, and Eugene. However, smaller towns like Albany, Lebanon, Corvallis, Roseburg, Medford, and Bend still offer a wide range of business and residential real estate investment opportunities. Additionally, the beautiful Oregon coast and wine country throughout the Western Oregon region have garnered increased interest from out of state residents and investors in recent years. Oregon has several major colleges, including the University of Oregon, Oregon State University, Portland State University, Willamette University, Linfield University, and Southern Oregon University. With these thriving... --- > Cetan Funds recently funded a mid-construction fix and flip loan in Sutherlin, Oregon. This home is in a new subdivision surrounded by quality, new homes. - Published: 2024-10-15 - Modified: 2024-12-19 - URL: https://cetanfunds.com/mid-construction-fix-and-flip-loan-in-sutherlin-oregon/ - Categories: Recently Funded - Tags: fix and flip, fix and flip in Sutherlin, fix and flip lenders, fix and flip lending, fix and flip loan, fix and flip loan in Sutherlin, fix and flip loans, fix and flip loans in Sutherlin, hard money lender, hard money lenders, hard money lending, hard money loan, hard money loans, private money lender, private money lenders, private money lending, private money loan, private money loans, Sutherlin fix and flip, Sutherlin fix and flip loan, Sutherlin fix and flip loans Cetan Funds recently funded a mid-construction fix and flip loan in Sutherlin, Oregon. This home was partway through construction by a builder when he got into legal trouble. After a lengthy court case, the investors that backed him won title to the property. They quickly listed it for sale, despite its partial completion, to get as much of their investment back as possible. Our client, a licensed general contractor looking for a fix and flip to work on over the Fall and Winter seasons, quickly scooped up the deal, getting it in contract on the first day. This home is in a new subdivision surrounded by quality, new homes. Cetan already had this general contractor pre-approved for Fix and Flip financing, which help expedite the process. We were able to quickly 90% of the project costs for the borrower and close on the purchase without any delays. As an experienced contractor, he is just the right guy to finish the build and get the property flipped to happy new homeowner. Our borrower immediately got to work and arranged subcontractors to finish wiring and plumbing the house. He expects to have it listed in 3 months or less! Loan Purpose Fix and Flip Cetan Funds specializes in fix and flip loans designed for investors looking to purchase, renovate, and resell properties for a profit. These loans provide the necessary funding to improve property value and maximize returns upon sale. After the renovations are complete, borrowers can quickly sell the property and... --- > Navigating the loan application process for real estate financing doesn’t have to be daunting. We have some tips to make this a smooth experience. - Published: 2024-09-18 - Modified: 2024-10-22 - URL: https://cetanfunds.com/loan-application-process/ - Categories: Cetan Articles - Tags: Cetan Funds Loan Application Process, How to Apply for Real Estate Financing, Loan Application Process for Real Estate Financing, Navigating the Loan Application Process, Real Estate Financing, Real Estate Financing Loan Process, Real Estate Loan Application Process, Tips for Applying for a Real Estate Loan Navigating the loan application process for real estate financing doesn’t have to be daunting. By understanding the steps involved and knowing what to expect, securing financing can become one of the easiest parts of your real estate venture. So where do you begin? Start with Cetan Funds, where we make the process simple and straightforward. Let us help you turn your real estate goals into reality. Our Loan Application ProcessOur loan application process is tailored to fit each unique real estate scenario. It begins with a simple online application, which helps us understand your needs and the type of financing you’re seeking. Once you’ve submitted the application we’ll discuss the best loan options for your situation. At that point, we’ll request a few documents to finalize the loan terms and determine your eligibility. You’ll submit these documents through our secure file upload portal and sign the application electronically to keep the whole process smooth and efficient. Typically, we ask for documents like your personal financial statement, recent bank statements, tax returns, and proof of income to get a clear picture of your financial standing. We also ask for details about your background, including past real estate projects (if applicable), to better understand your experience. This helps us guide you toward the right loan and future investments. For your current project you’ll provide plans, budgets, and a project timeline. In most cases, an appraisal is not required and we do our own in-house valuations once your application is complete and we’re... --- > Cetan Funds recently funded a residential rehab loan in Seaside, Oregon. We’re excited to see how the completed renovations turn out. - Published: 2024-09-16 - Modified: 2024-09-18 - URL: https://cetanfunds.com/residential-rehab-loan-in-seaside-oregon/ - Categories: Recently Funded - Tags: residential construction loan, residential construction loans, residential rehab financing, residential rehab lender, residential rehab lending, residential rehab loan, residential rehab loan in Seaside, residential rehab loans, residential rehab loans in Seaside, Seaside residential construction loan, Seaside residential construction loans, Seaside residential rehab loan, Seaside residential rehab loans Cetan Funds recently funded a residential rehab loan in Seaside, Oregon for a local investor and contractor. The borrower, an experienced business owner with multiple properties in the area, secured a favorable deal on the purchase of a unique property. This project includes converting a former dance studio back into a 3-bedroom, 2-bath single-family home, as well as renovating a mobile home situated on its own land. Both properties will be held as long-term rentals, contributing to the borrower’s growing portfolio. Cetan Funds structured the residential rehab loan to cover both the purchase and renovation of the properties. Despite a complex sale due to the selling estate, we were able to meet the borrower’s tight closing deadline. The project is already underway, and we’re excited to see how the completed renovations turn out. Loan Purpose Residential Rehab Cetan Funds specializes in residential rehab loans designed for investors looking to purchase and renovate properties to hold as rentals. These loans allow investors to improve the property value while securing long-term rental income. After the renovations are complete, borrowers typically refinance with a long-term lender. Our residential rehab loans can finance up to 90% of the project costs, including renovation expenses. With terms of 6 to 12 months and interest charged only on the outstanding balance, these loans offer flexibility for investors to maximize the return on their investment while building a strong rental portfolio. Location Seaside, Clatsop County, Oregon Loan Terms $465,000 at 12. 0% interest only on funds drawn for... --- > This calculator uses Cetan’s “Rule-of-Thumb” estimates for construction costs per square foot of a single-family home being renovated. - Published: 2024-08-21 - Modified: 2025-03-24 - URL: https://cetanfunds.com/rule-of-thumb-rehab-estimator/ - Categories: Calculators - Tags: calculate rule-of-thumb rehab estimate, real estate calculator, real estate investment calculator, real estate investment calculators, real estate investment tool, real estate investment tools, rehab cost calculator, rehab cost estimator, rule-of-thumb rehab estimation, rule-of-thumb rehab estimator Rule-of-Thumb Rehab Estimator This calculator uses Cetan’s “Rule-of-Thumb” estimates for construction costs per square foot of a single-family home being renovated. These estimates are based on our experience funding hundreds of fix and flips and rental rehabs, the feedback of our many experienced and repeat clients and contractors, and personal experiences on our own projects. Please note material and labor costs differ greatly depending on your location and local market. These “Rule-of-Thumb” estimates have worked well for Cetan Funds while operating in most Oregon and Washington markets. The estimates provided should not be construed as business advice. Every property and project is different, and this calculator does not consider factors unique to the property or project. Use for informational purposes only and to help get a ball-park idea of estimates we would typically see given a proposed scope of work. initIframe('66c685ac07536f4efec3ff69'); --- > Use our interest-only payment calculator to estimate the interest-only payment with a certain loan balance. Use for estimation purposes only. - Published: 2024-08-21 - Modified: 2025-03-24 - URL: https://cetanfunds.com/interest-only-payment-calculator/ - Categories: Calculators - Tags: calculate interest payment, calculate interest-only payment, Cetan interest-only payment calculator, interest payment calculator, interest-only calculator, interest-only payment calculator, real estate calculator, real estate investment calculator, real estate investment calculators, real estate investment tool, real estate investment tools Cetan Interest-Only Payment Calculator This calculator helps you estimate the interest-only payment with a certain loan balance. Use for estimation purposes only. If you are applying for a loan and want to ensure the most accurate estimates for your specific loan, please contact your loan officer. var og_temp=document. createElement('script');og_temp. async=true;og_temp. defer=true;og_temp. src='//dyv6f9ner1ir9. cloudfront. net/assets/js/nloader. js',og_temp. onload=function{initIframe('66c3fa3ecd5576854301daf6')},document. querySelector('head'). appendChild(og_temp) --- > The principles we adhere to make us stand out as a private lender. We call this the Cetan Advantage. Let's cover the five tenets that make up this advantage. - Published: 2024-08-19 - Modified: 2024-08-19 - URL: https://cetanfunds.com/the-cetan-advantage/ - Categories: Cetan Articles - Tags: Benefits of Working With Cetan Funds, Cetan Advantage, hard money lender, hard money lenders, hard money lending, hard money loans, private money lender, private money lenders, private money lending, private money loans, Real Estate Lender, real estate lenders, real estate lending, Real Estate Loans, The Cetan Advantage When you’re making a plan for your next real estate project and considering a hard money loan, we hope Cetan Funds is at the top of your list. The principles we adhere to make us stand out as a private lending option. We call this the Cetan Advantage. By delivering on these five tenets, we ensure our clients have a positive experience throughout their real estate project. We believe that’s why clients return to us again and again for their real estate investing needs. Our goal is to develop long-term relationships with our clients and that starts with trust. So, let’s take a look at the Cetan Advantage and the benefits you’ll discover when working with Cetan Funds. See for yourself why working with Cetan Funds may well be the best financial decision you can make when looking for a private lender for your next real estate project. ExpertiseOur expertise stands out among private lenders. We have over 60 years of combined lending and real estate experience in Oregon, giving us a unique perspective on all the ins and outs of real estate investing, development, and financing. With this kind of knowledge, we can craft a loan custom-tailored for your financial needs, while also supporting you in a variety of ways during the project with ongoing advice and counsel. In this way, we often fill the role of a “financial business partner. ” With the experience we have with real estate investors and loan processes, we can offer you help... --- > Cetan Funds recently funded a residential bridge loan on a development project in West Linn, Oregon. Learn how we were able to meet the borrower's needs. - Published: 2024-08-16 - Modified: 2024-08-19 - URL: https://cetanfunds.com/residential-bridge-loan-on-development-project-in-west-linn-oregon/ - Categories: Recently Funded - Tags: hard money lender, hard money lenders, hard money lending, hard money loan, hard money loans, private money lender, private money lenders, private money lending, private money loan, private money loans, residential bridge, residential bridge lender, residential bridge lenders, residential bridge lending, residential bridge loan, residential bridge loans, West Linn hard money loan, West Linn hard money loans, West Linn private money loan, West Linn private money loans, West Linn residential bridge, West Linn residential bridge loan, West Linn residential bridge loans Cetan Funds recently funded a residential bridge loan on a development project in West Linn, Oregon. The borrower had completed a small subdivision of a property they already owned by splitting the excess land into three new lots. They had already completed the build of three new townhomes and sold one of the three. The two remaining townhomes were listed for sale and the original existing home was in the beginning stages of a remodel. The lender who funded the project originally was wanting to be paid off and the borrower needed additional flexibility as they sold off the townhomes. They also wanted to pull-out additional cash from the equity in the property so they could complete the renovations on the original home. Cetan Funds provided the bridge loan to payoff the original lender on the project and give additional cash-out to the borrower. Our loan also gave them the flexibility they wanted so they could sell each townhome and put more money in their pocket with each sale. This exemplifies Cetan's commonsense approach to lending, customizing a loan to suit the situation and fill the borrower's needs. Loan Purpose Residential Bridge Cetan Funds Residential Bridge Loans are short-term loans designed to get a borrower from point A to point B as quickly and efficiently as possible. Bridge loans are ideal for investors, builders, or business owners hoping to access funds quickly. Often, a bridge loan is used in business to rapidly leverage assets by refinancing a rental property, commercial... --- > In this post, we'll take a look at what Hard Money Loans are, how they work, and whether they could be a good option for your next investment. - Published: 2024-07-29 - Modified: 2024-08-19 - URL: https://cetanfunds.com/hard-money-loans-explained/ - Categories: Cetan Articles - Tags: hard money lender, hard money lenders, hard money lending, hard money loan, hard money loans, hard money loans explained, how do hard money loans work, how does a hard money loan work, what are hard money loans, what is a hard money loan Have you been thinking about other ways to invest your time and money into something that will help you grow your financial wealth? Making sound financial investments certainly helps you build wealth for the future and reach your life goals, and one of the most tried and true wealth-building tools is real estate investing. There are plenty of ways to invest in real estate to build wealth for the future. Many savvy investors achieve their real estate investing goals by leveraging the advantages of hard money loans. If you’ve never considered what a hard money loan could do for you, let's take a look at what they are, how they work, and whether they could be a good option for your next investment opportunity. What Are Hard Money Loans? In short, a hard money loan is a type of loan that is funded based primarily on the collateral, rather than the borrower, qualifications. These types of loans are commonly known for their short duration, usually between six and eighteen months, although they can be as long as three to five years. The most common use of hard money loans today involves real estate investments such as residential fix and flip projects. Hard money lenders are generally individuals or private companies, as opposed to traditional banks. Unlike a traditional thirty-year mortgage financing a home that the borrower plans to live in, a hard money loan provides financing when speed and a quick turnaround are essential. This is often the case on... --- > Cetan Funds recently funded a duplex construction loan in Coos Bay. We were able to provide the simple and effective financing to get this duplex built. - Published: 2024-07-15 - Modified: 2024-08-19 - URL: https://cetanfunds.com/duplex-construction-loan-in-coos-bay-oregon/ - Categories: Recently Funded - Tags: Coos Bay hard money lender, Coos Bay hard money loan, Coos Bay private money lender, Coos Bay private money loan, Coos Bay residential construction lender, Coos Bay residential construction lenders, Coos Bay residential construction loan, Coos Bay residential construction loans, duplex construction loan, hard money lender, hard money lenders, hard money lending, hard money loan, hard money loans, private money lender, private money lenders, private money lending, private money loan, private money loans, residential construction lender, residential construction lenders, residential construction loan, residential construction loans Cetan Funds recently funded a duplex construction loan for a build in Coos Bay. The borrower is a local general contractor and homebuilder. They owned this lot and had aspirations to build it out to become a cash flowing investment property to generate passive income. They owned the land and their plans and permits were approved with the city. They just needed the construction funds to get it built. Local banks and credit unions proved difficult to work with, especially given their goals of building it for investment purposes. Traditional construction lenders prefer to lend on a borrower's future residence. Additionally, their documentation and construction disbursement requirements for a self-contracting builder were incredibly cumbersome. They did not have time to waste while they ran their contracting business. Cetan Funds was able to provide the simple and effective financing to get this duplex built. The project is progressing nicely at this point. Once complete, the borrower will rent the units and refinance with a conventional or debt-service-coverage-ratio loan. Loan Purpose Residential Construction Cetan Funds offers residential construction loans for the ground-up construction of residential property for business and investment purposes in Oregon and SW Washington. These loans are perfect for both real estate investors, small homebuilders, general contractors or residential developers looking to build homes to then sell or rent out. Speculative construction for business or investment purposes can be difficult to finance with a traditional lender. Cetan provides these types of residential construction loans. Cetan Funds' residential constructions loans typically... --- > Are you looking for a way to invest in Oregon real estate? Cetan Opportunity Fund could be just what you’re looking for. - Published: 2024-07-03 - Modified: 2025-04-30 - URL: https://cetanfunds.com/invest-in-oregon-real-estate/ - Categories: Cetan Articles - Tags: Cetan Opportunity Fund, invest in Oregon real estate, invest in SW Washington real estate, investment fund, Oregon real estate investments, real estate debt fund, real estate investments, real estate investors, SW Washington real estate investments Are you looking for a way to build wealth through real estate in the beautiful state of Oregon? Cetan Opportunity Fund could be just what you’re looking for. This real estate debt fund, launched in 2023, offers a rewarding opportunity for investors to invest in real estate projects in Oregon and SW Washington. This Fund is managed by experienced lending professionals, real estate developers, and fund managers with a proven track record and deep knowledge of the local market. Read on to learn what sets this investment opportunity apart from the rest, how our experience comes into play, and if it’s a good fit for your portfolio. What Sets Cetan Opportunity Fund ApartWhen it comes time to consider investing in real estate, there are plenty of opportunities out there. Finding the right fit for your investment portfolio can be the tricky part. As an investor, you want to get the most bang for your buck and mitigate risks with a team you can trust. Cetan Opportunity Fund could check those boxes for you. This real estate debt fund pools together investor capital to fund short-term, business-purpose loans secured by real estate in Oregon and SW Washington. Our focus is on providing financing for real estate developers, builders, and investors. By investing in Cetan Opportunity Fund, you provide capital that make sound real estate projects possible, helping to bring new homes and commercial properties to life in our community. Oregon is a thriving state that continues to grow. This is a... --- > Cetan Funds' Maximum Allowable Offer Calculator gives you a quick and easy way to determine the MAO for your investment property. - Published: 2024-06-21 - Modified: 2025-03-24 - URL: https://cetanfunds.com/maximum-allowable-offer-calculator/ - Categories: Calculators - Tags: calculate MAO, calculate maximum allowable offer, investment loan calculator, loan calculator, MAO, MAO calculator, maximum allowable offer, maximum allowable offer calculator, real estate calculator, real estate investment calculator, real estate investment calculators, real estate investment tool, real estate investment tools Maximum Allowable Offer Calculator The Maximum Allowable Offer formula helps determine the maximum price someone should be willing to pay for a residential investment property, such as a fix and flip project, to ensure a high likelihood of success. A popular tool among seasoned investors and flippers, this calculator relies on your estimates for the After-repair Value (ARV) of the property, Rehab Budget and personal risk tolerance. --- > Cetan Funds recently funded a fix and flip loan in Medford, Oregon. The borrowers hope to have this property renovated and on the market in 3-6 months. - Published: 2024-06-17 - Modified: 2024-06-21 - URL: https://cetanfunds.com/fix-and-flip-in-medford-oregon/ - Categories: Recently Funded - Tags: fix and flip, fix and flip in Medford, fix and flip loan, fix and flip loan in Medford, fix and flip loans, fix and flip loans in Medford, fix and flips in Medford, hard money lender, hard money lenders, hard money loan, hard money loans, Medford fix and flip, Medford fix and flip loan, Medford fix and flip loans, Medford residential construction loan, Medford residential construction loans, private money lender, private money lenders, private money loan, private money loans, residential construction loan, residential construction loan in Medford, residential construction loans, residential construction loans in Medford Cetan Funds recently funded another fix and flip loan in Medford, Oregon. The borrowers found an underpriced fixer-upper listed on the open market and negotiating a good purchase price. With plans to do much of the renovations themselves given their background in home renovations, the rehab budget was reasonable and has the potential to dramatically increase the property value. The sellers of the property needed a quick and smooth closing. Cetan Funds was provided a fix and flip loan to finance 100% of the renovation budget and 80% of the purchase price. So far the renovation is going very well with everything staying on-time and on-budget. The borrowers hope to have this property fully renovated and on the market in 3-6 months. Loan Purpose Fix and Flip Cetan Funds offers fix and flip loans for the purchase, renovation and resale of residential property in Oregon and SW Washington. These loans are perfect for both new and experienced real estate investors looking to improve homes and communities while pursuing a profit from their hard work. Cetan's fix and flip loans typically fund up to 90% of the project costs. The loan includes funds for the repairs to the property. These loans are typically 6 to 12 months with interest only charged on the outstanding balance. Borrowers on fix and flips use leverage to maximize their return on investment and quickly rehab and resell their investment for a profit. Location Medford, Jackson County, Oregon Loan Terms $339,000 at 12. 0% interest only... --- > Cetan Funds recently funded a loan on a manufactured home fix and flip in Winston, Oregon. We're proud to be able to help serve small-town Oregon. - Published: 2024-05-13 - Modified: 2025-06-25 - URL: https://cetanfunds.com/manufactured-home-fix-and-flip-loan-in-winston-oregon/ - Categories: Past Projects - Tags: fix and flip, fix and flip in Winston, fix and flip lenders, fix and flip loan, fix and flip loans, private lenders for fix and flip construction, private lenders for residential construction, private money lender, private money lenders, private money loan, private money loans, residential construction loan, residential construction loans, residential construction loans Winston, Winston fix and flip loan, Winston fix and flip loans, Winston residential construction loans Cetan Funds recently provided a loan on a manufactured home fix and flip in Winston, Oregon. This property in Douglas County between Eugene and Grants Pass is a prime example of how Cetan Funds helps serve small-town Oregon. Many lenders do not lend in small towns or on rural properties. As a result, much of Oregon is excluded from their lending territory. As a local, direct, private money lender, Cetan Funds can lend anywhere in our beautiful home state. In this case our borrower got a great deal on the purchase of this manufactured home. In areas like Winston, manufactured homes hold their value well and offer local residents an affordable entry-level option for homeownership. After some cosmetic renovations, the property was quickly ready for sale. What was once a rundown filthy eye-sore, will now make a wonderful new home for a small family in this small community. Loan Purpose Fix and Flip Cetan Funds offers fix and flip loans for the purchase, renovation and resale of residential property in Oregon and SW Washington. These loans are perfect for both new and experienced real estate investors looking to improve homes and communities while pursuing a profit from their hard work. Cetan's fix and flip loans typically fund up to 90% of the project costs. The loan includes funds for the repairs to the property. These loans are typically 6 to 12 months with interest only charged on the outstanding balance. Borrowers on fix and flips use leverage to maximize their... --- > Cetan Funds is proud to offer real estate investors short-term fix and flip loans in Portland, Oregon. Let us help you build wealth through real estate. - Published: 2024-04-15 - Modified: 2025-06-25 - URL: https://cetanfunds.com/fix-and-flip-loans-in-portland-oregon/ - Categories: Past Projects - Tags: fix and flip loan, fix and flip loan in Portland, fix and flip loan Portland, fix and flip loans, fix and flip loans in Portland, fix and flip loans Portland, Portland fix and flip loan, Portland fix and flip loans, Portland private money lender, Portland private money lenders, Portland residential construction loan, Portland residential construction loans, private money lender Portland, private money lenders Portland, residential construction loan, residential construction loans Cetan Funds is proud to offer fix and flip loans in Portland, Oregon. Our loans have flexible terms, fast funding timelines, and can fund up to 90-95% of project costs and up to 75% loan-to-after-repair-value. We can work with both experienced and new investors. Appraisals are typically not required, and we can close as quickly as 3-5 business days. Financing for repairs, if needed, is funded on a credit line that can be drawn upon as work is completed. Interest is only charged on the funds drawn. If you’re interested in fix and flip loans in Portland or if you have a project you would like to discuss, please contact us and we would be happy to see if a loan from Cetan Funds would be a good fit for you and your project. Fast Single-family Rehab and Flip Loan in Portland, Oregon Apr 15, 2024 | Recently Funded Cetan Funds recently funded a fast rehab of a single-family home in Portland, Oregon. This fix and flip project was completed by a successful, experienced investor. The borrowers team of professional contractors rehabbed the property from top to bottom in just two months. The finished product is a fresh and clean bungalow at a relatively affordable price-point that should sell quickly in that high-priced market. This will make a great home for a first-time homeowner, young family or a couple downsizing. We're proud to be the financial partner for our borrowers on this project. Loan Purpose Fix and Flip Location Portland,... --- > Cetan Funds recently funded a commercial construction loan for apartments in Portland, Oregon. This will be a ground-up build of 12 units. - Published: 2024-03-15 - Modified: 2025-03-24 - URL: https://cetanfunds.com/commercial-construction-loan-for-12-unit-apartment-building-in-portland-oregon/ - Categories: Past Projects - Tags: commercial construction loan, commercial construction loan Portland, commercial construction loans, commercial construction loans Portland, commercial construction Portland, Portland commercial construction, Portland commercial construction loan, Portland commercial construction loans, Portland private money lender, Portland private money loans, private commercial construction loan, private commercial construction loans, private lenders for commercial construction, private money lender Portland, private money loans Portland Cetan Funds recently funded a commercial construction loan for apartments in Portland, Oregon. This will be a ground-up build of 12 units. The developers on this project designed the building to have a net-zero carbon footprint with energy-efficient materials and solar power. They were seeking a funding partner for the commercial construction loan who could offer a streamlined process and flexibility with budget allocations, equity and reserve requirements and working capital management. Ultimately, we were able to provide the flexible funding they needed for the hard costs of construction. They will break ground soon and expect completion of construction within the next 12 months. Once stabilized, the developers plan to sell to buyers interested in acquiring investments that align with a green, climate-friendly mission. This first build will hopefully be a proof of concept and the developers will seek to replicate their success on the adjacent lot they already own. Loan Purpose Commercial Construction Cetan Funds' commercial construction loans finance the ground-up construction of all types of commercial assets, including multifamily apartment complexes, storage facilities, retail buildings, small office, industrial, special-use and mixed-use properties. These loans are ideal for developers and builders who need more speed, flexibility and efficiency than bank financing can provide. Our commercial construction loan terms vary depending on the property type and exit strategy. Multifamily construction loans for example can finance up to 90% of the project costs or 70-75% of the as-stabilized value. Follow the link above or contact us for more information about our... --- > Cetan Funds recently funded a residential bridge loan on a townhome development in Eugene, Oregon. The developer had completed construction and sold 3 of the 12 units. - Published: 2024-02-15 - Modified: 2025-03-24 - URL: https://cetanfunds.com/residential-bridge-loan-on-townhome-development-in-eugene-oregon/ - Categories: Past Projects - Tags: Eugene private money lender, Eugene private money loans, Eugene residential bridge loan, Eugene residential bridge loans, Eugene Residential Construction Loan, Eugene Residential Construction Loans, residential bridge lender, residential bridge loan, residential bridge loan Eugene, residential bridge loans, residential bridge loans Eugene, residential construction loan Eugene, residential construction loans Eugene, residential private money lenders, residential private money loan Cetan Funds recently funded a residential bridge loan on a townhome development in Eugene, Oregon. The developer had completed construction and sold 3 of the 12 units. With 9 units remaining to be sold and a construction loan that was coming due, they needed more time to sell the units and finish the project. They were also working with a very tight deadline after trying to secure financing from more institutional sources and running into major obstacles in their strict underwriting processes. They needed to close in roughly 2 1/2 weeks to avoid significant fees on their existing loan. Cetan was able to meet their deadline with our streamlined process and commonsense underwriting. This residential bridge loan refinanced all 9 units and gave the developer more time to sell the units. We were also able to roll fees and reserves into the loan to help the developer avoid having to bring in more of their own capital. The loan also provided the flexibility they needed with the ability to do partial lien releases as each individual unit was sold. We anticipate these units selling gradually over the next 12 months. Loan Purpose Residential Bridge Cetan Funds Residential Bridge Loans are short-term loans designed to get a borrower from point A to point B as quickly and efficiently as possible. Bridge loans are ideal for investors, builders, or business owners hoping to access funds quickly. Often, a bridge loan is used in business to rapidly leverage assets by refinancing a rental... --- > Cetan Funds is proud to offer short-term residential construction loans in Eugene, Oregon. Let us help you build wealth through real estate. - Published: 2024-01-15 - Modified: 2025-03-24 - URL: https://cetanfunds.com/residential-construction-loans-in-eugene-oregon/ - Categories: Past Projects - Tags: Eugene private money lender, Eugene private money lenders, Eugene private money loan, Eugene private money loans, Eugene Residential Construction Loan, Eugene Residential Construction Loans, private money lender, private money lender Eugene, private money lenders, private money lenders Eugene, private money loan, private money loan Eugene, private money loans, private money loans Eugene, residential construction loan, residential construction loan Eugene, residential construction loans, residential construction loans Eugene Cetan Funds is proud to offer contractors and investors short-term residential construction loans in Eugene, Oregon. Our loans can finance up to 90-95% of project costs or up to 70-75% of the completed property value. Our residential construction loan process is fast, flexible, and in-house. You can expect to get an underwriting answer within 2-4 days of submission, and funding can occur as quickly as 7 days. If you’re interested in residential construction loans in Eugene or if you have a project you would like to discuss, please contact us and we would be happy to see if a loan from Cetan Funds would be a good fit for you and your project. Residential Bridge Loan on Townhome Development in Eugene, Oregon Feb 15, 2024 | Recently Funded Cetan Funds recently funded a residential bridge loan on a townhome development in Eugene, Oregon. The developer had completed construction and sold 3 of the 12 units. With 9 units remaining to be sold and a construction loan that was coming due, they needed more time to sell the units and finish the project. They were also working with a very tight deadline after trying to secure financing from more institutional sources and running into major obstacles in their strict underwriting processes. They needed to close in roughly 2 1/2 weeks to avoid significant fees on their existing loan. Cetan was able to meet their deadline with our streamlined process and commonsense underwriting. This residential bridge loan refinanced all 9 units and... --- > Cetan Funds is proud to offer real estate investors short-term fix and flip loans in Springfield, Oregon. Let us help you build wealth through real estate. - Published: 2024-01-15 - Modified: 2025-03-24 - URL: https://cetanfunds.com/fix-and-flip-loans-in-springfield-oregon/ - Categories: Past Projects - Tags: fix and flip loan, fix and flip loan in Springfield, fix and flip loan Springfield, fix and flip loans, fix and flip loans in Springfield, fix and flip loans Springfield, private money lender Springfield, private money lenders Springfield, residential construction loan, residential construction loans, Springfield fix and flip loan, Springfield fix and flip loans, Springfield private money lender, Springfield private money lenders, Springfield residential construction loan, Springfield residential construction loans Cetan Funds is proud to offer fix and flip loans in Springfield, Oregon. Our loans have flexible terms, fast funding timelines, and can fund up to 90-95% of project costs and up to 75% loan-to-after-repair-value. We can work with both experienced and new investors. Appraisals are typically not required, and we can close as quickly as 3-5 business days. Financing for repairs, if needed, is funded on a credit line that can be drawn upon as work is completed. Interest is only charged on the funds drawn. If you’re interested in fix and flip loans in Springfield or if you have a project you would like to discuss, please contact us and we would be happy to see if a loan from Cetan Funds would be a good fit for you and your project. Fast Funding Fix and Flip Loan in Springfield, Oregon Nov 16, 2023 | Recently Funded Cetan Funds recently provided a fast funding fix and flip loan in Springfield, Oregon. This property was in disrepair. Our client is a repeat borrower and real estate broker with experience renovating homes and flipping houses. They needed a loan that could close quickly and assist in funding the purchase price. They needed a lender with flexible terms and down payment options, so that they could preserve capital for other potential projects as well. Given our relationship with the client and experience on past projects, Cetan Funds was able to fund the purchase and give the borrower the flexibility to pay... --- > Cetan Funds is proud to offer real estate investors short-term fix and flip loans in Eugene, Oregon. Let us help you build wealth through real estate. - Published: 2024-01-12 - Modified: 2025-03-24 - URL: https://cetanfunds.com/fix-and-flip-loans-in-eugene-oregon/ - Categories: Past Projects - Tags: Eugene fix and flip loan, Eugene fix and flip loans, Eugene private money lender, Eugene private money lenders, Eugene Residential Construction Loan, Eugene Residential Construction Loans, fix and flip loan, fix and flip loan Eugene, fix and flip loan in Eugene, fix and flip loans, fix and flip loans Eugene, fix and flip loans in Eugene, private money lender Eugene, private money lenders Eugene, residential construction loan, residential construction loan Eugene, residential construction loans, residential construction loans Eugene Cetan Funds is proud to offer fix and flip loans in Eugene, Oregon. Our loans have flexible terms, fast funding timelines, and can fund up to 90-95% of project costs and up to 75% loan-to-after-repair-value. We can work with both experienced and new investors. Appraisals are typically not required, and we can close as quickly as 3-5 business days. Financing for repairs, if needed, is funded on a credit line that can be drawn upon as work is completed. Interest is only charged on the funds drawn. If you're interested in fix and flip loans in Eugene or if you have a project you would like to discuss, please contact us and we would be happy to see if a loan from Cetan Funds would be a good fit for you and your project. Funded Fix and Flip Finished in Eugene, Oregon Dec 15, 2023 | Recently Funded Cetan Funds recently funded this fix and flip project in Eugene, Oregon. The clients are seasoned, repeat borrowers of Cetan and bought the property at a great discount from a wholesaler. They immediately went to work on the renovations. This property needed a cosmetic rehab including kitchen and bath updates, new flooring, paint and appliances. The work was done, as usual, with speed and great attention to detail. The property is now listed for sale and the borrowers anticipate a solid profit on this project. Given our long-term partnership with these clients, they have only a small amount of their own funds... --- > Cetan Funds recently funded a commercial bridge loan in downtown Springfield, Oregon. We are excited to be a part of the revitalization of downtown Springfield. - Published: 2023-10-15 - Modified: 2024-10-22 - URL: https://cetanfunds.com/commercial-bridge-loan-in-downtown-springfield-oregon/ - Categories: Past Projects - Tags: commercial bridge loan, commercial bridge loan Springfield, commercial bridge loans, commercial bridge loans Springfield, commercial construction loan, commercial construction loan Springfield, commercial construction loans, commercial construction loans Springfield, private money lender, private money lender Springfield, private money lenders, private money lenders Springfield, Springfield commercial bridge loan, Springfield commercial bridge loans, Springfield commercial construction loan, Springfield commercial construction loans, Springfield private money lender, Springfield private money lenders Cetan Funds recently funded a commercial bridge loan in downtown Springfield, Oregon. We are excited to be playing a part in the revitalization of downtown Springfield. The clients on this loan were experienced investors and developers getting construction financing on a mixed-use development project in downtown Springfield from a local bank. Unfortunately, the bank needed an additional cash injection to move forward on that project due to the changing market conditions and increasing interest rates. Meanwhile, the clients owned a different commercial building in downtown Springfield outright, but it was slated for another future redevelopment project and was vacant. The vacancy disqualified it from bank financing. To help their borrowers leverage their equity in this vacant property, the bank referred them to us for a cash-out refinance with a commercial bridge loan. This short-term commercial loan provided them the capital they needed to move forward with their construction financing on the other project. It also gave them time to either lease-up and sell the vacant building or refinance it with another construction loan in the future to add another great redevelopment project to Springfield's revamped downtown. Loan Purpose Commercial Bridge Location Springfield, Lane County, Oregon Loan Terms $610,700 at 11. 0% interest only for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a multifamily construction loan in Gervais, Oregon, a small community just north of Salem and south of Woodburn. - Published: 2023-09-15 - Modified: 2024-10-22 - URL: https://cetanfunds.com/multifamily-construction-loan-in-gervais-oregon/ - Categories: Past Projects - Tags: commercial construction loan, commercial construction loan Gervais, commercial construction loans, commercial construction loans Gervais, Gervais commercial construction loan, Gervais commercial construction loans, Gervais multifamily construction loan, Gervais multifamily construction loans, Gervais private money lender, Gervais private money lenders, multifamily construction loan, multifamily construction loan in Gervais, multifamily construction loans, multifamily construction loans in Gervais, private money lender Gervais, private money lenders Gervais Cetan Funds recently funded a multifamily construction loan in Gervais, Oregon, a small community just north of Salem and south of Woodburn. This loan will finance the construction of much-needed apartments in an underserved area. The development includes two fourplexes for a total of eight units. The client is an experienced builder and developer who tried to work with a local credit union for the construction financing, but struggled with the cumbersome process of a traditional commercial construction loan. He wanted something more streamlined that could help him move quickly without delays caused by paperwork and bureaucracy. Cetan Funds was able to close on his multifamily construction loan in less than two weeks so he could focus on what he does best: building. Upon completion, he will return to the credit union for long-term financing to hold these units as rentals in his growing portfolio. Loan Purpose Commercial Construction Location Gervais, Marion County, Oregon Loan Terms $1,500,000 at 11. 0% interest only on funds drawn for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a residential construction loan in Lincoln City, Oregon for a single-family home with a 2-story detached garage and accessory dwelling unit. - Published: 2023-07-14 - Modified: 2024-09-18 - URL: https://cetanfunds.com/residential-construction-loan-for-single-family-home-with-an-adu-in-lincoln-city-oregon/ - Categories: Past Projects - Tags: Lincoln City residential construction, Lincoln City residential construction loan, Lincoln City residential construction loans, private funding for residential construction, private residential construction loan, private residential construction loans, residential construction funding, residential construction loan, residential construction loan in Lincoln City, residential construction loans, residential construction loans in Lincoln City Cetan Funds recently funded a residential construction loan in Lincoln City, Oregon for a single-family home with a 2-story detached garage and accessory dwelling unit. This seasoned builder had purchased a great lot in a desirable subdivision in town. The property will either be held as a rental or sold upon completion. The builder came to Cetan Funds with approved plans and permits in-hand. They just needed the funding to take the project from paper to reality. Cetan Funds was able to close the construction loan within a matter of days and get this builder the funding they needed to execute their vision. Loan Purpose Residential Construction Location Lincoln City, Lincoln County, Oregon Loan Terms $375,000 at 11. 5% interest only on funds drawn for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded an investment property rehab loan in Oakland, OR. This property included a single-family home and a duplex on one taxlot. - Published: 2023-06-15 - Modified: 2024-09-18 - URL: https://cetanfunds.com/investment-property-rehab-loan-in-oakland-oregon/ - Categories: Past Projects - Tags: investment property loan, investment property loans, investment property rehab loan, investment property rehab loans, Oakland investment properties, Oakland investment property, Oakland investment property loan, Oakland investment property loans, residential construction, residential construction loan, residential construction loans Cetan Funds recently funded an investment property rehab loan in Oakland, OR. This property included a single-family home and a duplex on one taxlot. The property was purchased by our client right after the previous tenants vacated. All 3 units needed repairs and updates, and the entire property needed an upgraded drainage system. Cetan Funds provided the residential rehab loan this investor needed to get the project done and property rented quickly. The loan will help him swiftly pay for all necessary repairs and get tenants back in there at current market rates. The investor will have positive cash flow and a solid long-term investment that they will refinance into a permanent loan with a local credit union. Loan Purpose Fix and Flip Location Oakland, Douglas County, Oregon Loan Terms $245,000 at 11. 5% interest only on funds drawn for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a Salem fix and flip loan for 3 homes. We provided a blanket construction loan on all 3 properties to help them quickly renovate. - Published: 2023-05-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/fix-and-flip-loan-on-3-homes-in-salem-oregon/ - Categories: Past Projects - Tags: fix and flip in Salem, fix and flip loan, fix and flip loans, Oregon fix and flip, Oregon fix and flip loan, Oregon fix and flip loans, private construction loan, private construction loans, private fix and flip loan, private fix and flip loans, residential construction, residential construction loans, residential fix and flip loan, residential fix and flip loans, Salem fix and flip loan, Salem fix and flip loans Cetan Funds recently funded a Salem fix and flip loan for 3 homes. All 3 homes were owned by a pair of investors who had acquired them as occupied rentals with significant deferred maintenance. They needed to leverage their equity in the properties, once the tenants vacated, to renovate the homes and make them marketable to sell. Cetan provided a blanket construction loan on all 3 properties to help them quickly renovate and rehab all 3 homes simultaneously. This residential rehab loan was designed as a line of credit that could be drawn for repairs on all 3 properties. Once the homes were vacant, their contractors went right to work. Currently, one home is listed for sale with the other two following suit very soon. Loan Purpose Fix and Flip Location Salem, Marion County, Oregon Loan Terms $420,500 at 12% interest only on funds drawn for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a commercial construction loan for a boutique hotel, restaurant and beer garden project in Hood River, Oregon. - Published: 2023-04-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/commercial-construction-loan-for-boutique-hotel-restaurant-beer-garden-in-hood-river-oregon/ - Categories: Past Projects - Tags: boutique hotel construction loan, boutique hotel construction loans, commercial construction loan, commercial construction loan Hood River, commercial construction loans, commercial construction loans Hood River, construction loan, construction loans, private commercial construction loan, private commercial construction loans, private commercial lender, private commercial lenders Cetan Funds recently funded a commercial construction loan for a boutique hotel, restaurant and beer garden project in Hood River, Oregon. The investor working on this project purchased an historic building in the heart of Hood River. Previously a popular restaurant which sadly shutdown after a fire, this building is in a prime location next to a city park and city hall. The investor had already begun transforming the property, converting the interior into four rooms for high-end short-term rentals. They have plans to build out a coffee shop, restaurant and beer garden space behind the building as well, taking advantage of the natural landscape and scenery. At Cetan Funds we were able to offer this investor the experience and flexibility he needed to get the funding to finish the build-out and line-up an SBA 504 loan for his long-term financing solution. With our background in commercial real estate and commercial lending, including economic development and SBA lending, we have already begun collaborating with a Certified Development Company to work on SBA approval as fast as possible. Once SBA financing is secured and our interim loan is repaid, this investor will have the stable long-term financing he needs for this incredible property and business venture. You can read more about our borrowers and their project in this fantastic article from the Hood River News. Loan Purpose Commercial Construction Location Hood River, Hood River County, Oregon Loan Terms $1,785,000 at 11. 0% interest only on the outstanding balance for 36 monthsWhen... --- > We recently funded a Quick Cash-out Commercial Refinance in Hillsboro, Oregon. These borrowers valued the expediency of our commercial bridge loans. - Published: 2023-03-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/quick-cash-out-refinance-of-commercial-building-in-hillsboro-oregon/ - Categories: Past Projects - Tags: cash-out commercial refinance, commercial bridge loan, commercial bridge loan Hillsboro, commercial bridge loans, commercial bridge loans Hillsboro, commercial refinance loan, commercial refinance loans, private lender Hillsboro, private lenders Hillsboro, private loan Hillsboro, private loans Hillsboro, quick cash-out refinance Cetan Funds recently funded a quick cash-out commercial refinance of a building in Hillsboro, Oregon. The borrowers have owned this building as a family for many years. Unfortunately there was some deferred maintenance that needed to be addressed, and they needed a capital infusion to get it done. While they could have gone to a bank and been put through their extensive underwriting requirements and lengthy closing times, they decided the expediency of a commercial bridge loan from Cetan was much more beneficial. We offered them a fast closing so they could very quickly get the capital they needed and get the repairs done. They will either refinance with a bank, payoff the cash-out commercial refinance loan with their ongoing cash flows, or eventually look to sell the building for a higher price than they otherwise would have gotten. Loan Purpose Commercial Bridge Location Hillsboro, Washington County, Oregon Loan Terms $100,000 at 10. 0% interest only for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a fix and flip loan in Vancouver, Washington for a borrower's first fix and flip project. Learn about how we helped. - Published: 2023-01-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/fix-and-flip-loan-in-vancouver-washington/ - Categories: Past Projects - Tags: fix and flip financing, fix and flip funding, fix and flip loan, fix and flip loan Vancouver, fix and flip loans, fix and flip loans Vancouver, residential construction, residential construction loan, residential construction loans, Vancouver fix and flip loan, Vancouver fix and flip loans Cetan Funds recently funded a fix and flip loan in Vancouver, Washington. This loan was on a single-family home in need of some updates but with a lots of potential including a large lot that could be developed in the future. The borrower was a young entrepreneur building their real estate investment portfolio. With a few successful projects under their belt in another state, they recently relocated to Washington to begin investing in the Vancouver and Portland area. They needed a local lending partner offering flexibility and partnership, and willing to work with someone without extensive local experience. We had this borrower preapproved within a day of their original application. Then, when they found this property and wanted to jump on the opportunity, we helped provide the preapproval and proof of funds letter they needed to make a competitive offer. After acceptance and a brief wait to clear title, we closed on the property. For this fix and flip loan in Vancouver, Cetan Funds is funding 100% of the renovations after funding 88% of the purchase price at closing. The borrower is excited for their first fix and flip project in Vancouver, and we're equally excited to see the property's transformation when they're done. Loan Purpose Fix and Flip Location Vancouver, Clark County, Washington Loan Terms $297,500 at 12% interest only on funds drawn for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we... --- > Cetan Funds recently funded a construction loan for vacation homes in Rockaway Beach, Oregon These homes will be on the market this Spring or early Summer. - Published: 2022-12-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/construction-loan-for-vacation-homes-in-rockaway-beach-oregon/ - Categories: Past Projects - Tags: construction loan, construction loan for vacation homes, construction loans, construction loans for vacation homes, residential construction loan, residential construction loans, Rockaway Beach construction loan, Rockaway Beach residential construction, Rockaway Beach residential construction loan, Rockaway Beach residential construction loans, Rockaway Beach vacation home loan, Rockaway Beach vacation home loans Cetan Funds recently funded a construction loan for vacation homes in Rockaway Beach, Oregon. This loan was to a savvy, new builder who had picked up the land for a great deal in order to build 3 new vacation homes. He had invested significantly in the project and had already began construction, but soon realized he would need additional funding if he wanted to stick with his plan of building all 3 homes at once. After being turned down by other lenders who either did not do construction financing or could not fund 3 builds at one time, he came to us at Cetan Funds. We quickly determined the project was a winner and got him approved. We closed shortly thereafter, and with our additional funding in place the project is going very well. He expects to have these beautiful vacation homes finished and on the market this Spring or early Summer. Loan Purpose Residential Construction Location Rockaway Beach, Tillamook County, Oregon Loan Terms $820,000 at 11. 0% interest only on funds drawn for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a cash-out refinance for a homebuilder in Woodburn, Oregon. We were able to quickly get him the cash he needed. - Published: 2022-11-17 - Modified: 2024-12-30 - URL: https://cetanfunds.com/cash-out-refinance-for-homebuilder-in-woodburn-oregon/ - Categories: Past Projects - Tags: Beaverton residential bridge loan, Beaverton residential bridge loans, cash-out refinance, cash-out refinance loan, cash-out refinance loans, cash-out refinancing, residential bridge loan, residential bridge loans, Woodburn cash-out refinance, Woodburn cash-out refinance loan, Woodburn cash-out refinance loans Cetan Funds recently funded a cash-out refinance for a homebuilder in Woodburn, Oregon. This experienced builder is in the middle of building out a small subdivision he developed. Unfortunately due to rising interest rates and a market slowdown, a few of his finished homes have taken longer than anticipated to sell. He found himself short on cash to continue building and keep his crews busy through the winter. So, he turned to Cetan Funds for help. We were able to quickly leverage the homes he has for sale and get him the cash he needed. He immediately started pouring foundations on two new home starts and his crews are happy to be back at work. This fast-funding bridge loan from Cetan Funds is exactly what he needed. We all anticipate the loan being repaid upon sale of the first two homes within the next 3-6 months. Loan Purpose Residential Bridge Location Woodburn, Marion County, Oregon Loan Terms $300,000 at 10. 0% interest only for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a BRRR project in Beaverton, Oregon. We were able to provide the quick funding solution the buyer needed. - Published: 2022-10-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/brrr-project-funded-in-beaverton-oregon/ - Categories: Past Projects - Tags: Beaverton BRRR loan, Beaverton BRRR loans, Beaverton residential construction, Beaverton residential construction loan, Beaverton residential construction loans, BRRR, BRRR financing, BRRR in Beaverton, BRRR project, buy, refinance, rehab, rent, residential construction, residential construction loan, residential construction loans Cetan Funds recently funded a BRRR project (buy, rehab, rent, and refinance) in Beaverton, Oregon. The investor on this deal found a great opportunity to buy a single-family home in a great location at a discount thanks to a highly motivated seller who needed to close quickly with a cash sale. We were able to provide the quick funding solution the buyer needed to meet the deadline and fund necessary repairs. Once the home is fixed up, the borrower will rent it out and refinance it with a more traditional loan as soon as possible so they can hold it as a long-term investment. We treat these BRRR project scenarios just like Fix and Flip loans. The only difference is the borrower's exit strategy. If they can hold the property as a great cash flowing asset in their portfolio, we're more than happy to help. We're here to help them Build Wealth through Real Estate! Loan Purpose Fix and Flip Location Beaverton, Washington County, Oregon Loan Terms $513,000 at 12. 0% interest only on the outstanding balance for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a residential construction loan in Depoe Bay, Oregon. The project has progressed very well, we can't wait to see the finished product! - Published: 2022-08-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/residential-construction-loan-in-depoe-bay-oregon/ - Categories: Past Projects - Tags: Depoe Bay residential construction loans, loans for residential construction, Oregon residential construction loan, Oregon residential construction loans, residential construction loan, residential construction loan in Depoe Bay, residential construction loans Cetan Funds recently funded a residential construction loan in Depoe Bay, Oregon. The builder is self-contracting to potentially hold this property as a vacation rental. This speculative build is a 3-story home with stunning views of Boiler Bay, just north of Depoe Bay, on the beautiful Oregon coast. The home includes a 3-floor elevator for added accessibility, floor-to-ceiling windows on the upper floor living areas and a third-floor balcony looking over the bay. The builder needed a lender that could work with him despite having only past experience in construction in a different state and despite his self-contracting arrangement. Cetan Funds offered him the streamlined process and flexibility he needed. The project has progressed very well so far and we cannot wait to see the finished product! Loan Purpose Residential Construction Location Depoe Bay, Lincoln County, Oregon Loan Terms $480,000 at 11% interest only on the outstanding balance for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a multifamily construction loan in Portland, Oregon. We helped the builder with a streamlined process and fast closing. - Published: 2022-07-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/multifamily-construction-loan-in-portland-oregon/ - Categories: Past Projects - Tags: loans for multifamily construction, multifamily construction loan, multifamily construction loan in Portland, multifamily construction loans, Portland multifamily construction loans Cetan Funds recently funded a multifamily construction loan in Portland, Oregon. The developer had approved permits for a 12-unit apartment complex in SE Portland. He needed a lender with a streamlined process who could close fast and help the project get built quickly to mitigate his risks. In this case, bank financing was not a good fit. Cetan was able to fund this construction loan to cover his vertical build costs, loan fees, closing costs and interest reserves during the construction period. This loan will move the project forward, help the developer and builder get the property leased-up and stabilized, then provide time for him to sell or refinance with more traditional long-term commercial financing. In fact, with Cetan's multifamily construction program, the borrower may have the option to extend for an additional two years and decrease his interest rate following lease-up of the property. This helps developers like this get a longer "runway" to line-up their long-term financing. Loan Purpose Commercial Construction Location Portland, Multnomah County, Oregon Loan Terms $1,982,500 at 11% interest only the outstanding balance for 2 years, with an option to extend an additional 2 yearsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a cash-out refinance in Portland, Oregon for a rental property for a local business owner. Learn how we helped this borrower. - Published: 2022-06-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/quick-residential-cash-out-refinance-in-portland-oregon/ - Categories: Past Projects - Tags: cash-out refinance loan, Portland cash-out refinance, quick residential cash-out refinance, quick residential cash-out refinance in Portland, residential cash-out refinance Cetan Funds recently funded a cash-out refinance in Portland, Orgeon for the purchase of a rental property for a local business owner. The borrower and his business had unfortunately been hit hard by the pandemic-related restrictions and shutdowns. He and his wife owned a townhome in Portland that they held as a single-family rental. Despite the fact that they owned it free and clear, they found themselves unable to qualify for traditional financing. So, they contacted Cetan Funds seeking a hard money loan to complete a cash-out refinance of their rental, replenish their liquidity, payoff business debts and repair their credit. We were able to quickly process their application and have their loan approved for funding in just a few days. Now their credit reports are on the mend and they will seek a conventional loan to payoff the residential bridge loan we provided them. Loan Purpose Residential Bridge Location Portland, Multnomah County, Oregon Loan Terms $125,000 at 12% interest only for 2 yearsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a manufactured home construction and installation loan in Yoncalla, Oregon. Learn more about how we helped with this project. - Published: 2022-05-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/manufactured-home-construction-installation-in-yoncalla-oregon/ - Categories: Past Projects - Tags: loans for manufactured home construction and installation, manufactured home construction and installation, manufactured home construction in Yoncalla, residential construction loans, Yoncalla residential construction loans Cetan Funds recently funded a manufactured home construction and installation loan for two new homes in Yoncalla, Oregon, about halfway between Eugene and Roseburg. When our borrower acquired this property, it had an old manufactured home on it of little to no value. To maximize the property value, they partitioned the property, creating two roughly equal-sized lots. Now they will remove the existing structures and install two new manufactured homes, one on each lot. Once the homes are built and installed, they will sell for a profit. They are working with a local manufactured home distributor and partnering with their local contractor for the site work. The homes will be ready in about six months and hopefully sold shortly thereafter. Cetan Funds provided the short-term construction financing they needed. We will help cover the costs of site work and construction and installation of the homes. We were also able to roll fees and interest reserves into the loan to help the borrower preserve their capital. The borrower stands to make a healthy profit when it is all done! Loan Purpose Residential Construction Location Yoncalla, Douglas County, Oregon Loan Terms $250,000 for 12 months, 1% interest per month charged on the outstanding balanceWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded two spec home construction loans in Seaside, Oregon. We helped these investors save a significant amount of money on their interest expense. - Published: 2022-04-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/spec-home-construction-loans-seaside-oregon/ - Categories: Past Projects - Tags: loans for residential construction, residential construction loans, Seaside construction loan, Seaside construction loans, Seaside spec home construction loans, spec home construction, spec home construction loans, spec home construction loans in Seaside Cetan Funds recently funded two spec home construction loans in Seaside, Oregon. The investors on these projects have been purchasing lots in a highly desirable new subdivision in the hills on the east side of town. They are building homes to sell upon completion with the help of a local builder. Prior to finding Cetan Funds, they were financing their projects with a different private lender. They discovered that this lender was charging interest on the full loan commitment from day 1. At Cetan Funds, we only charge interest on the outstanding balance. With spec home construction loans, the funding is disbursed gradually as the work is completed. Therefore, by going with Cetan Funds for their construction financing, these investors are able to save a significant amount of money on their interest expense. Currently excavation and foundation work has begun on our first two projects, and we will likely be funding another two projects very soon. The market in this area remains very strong and these investors are excited to capitalize on this opportunity with the lower financing costs we can offer them. Loan Purpose Residential Construction Location Seaside, Clatsop County, Oregon Loan Terms Loan 1: $500,000 at 11. 0% interest for 9 months Loan 2: $445,000 at 11. 0% interest for 9 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a multi-family rehab loan in Cottage Grove, Oregon. We are proud to help with this project that will provide affordable housing. - Published: 2022-03-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/multi-family-rehab-loan-cottage-grove-oregon/ - Categories: Past Projects - Tags: commercial construction loan, commercial construction loans, commercial rehab loan, commercial rehab loans, Cottage Grove multi-family rehab loan, multi-family rehab loan, multi-family rehab loan in Cottage Grove, multi-family rehab loans, Springfield commercial construction loan, Springfield commercial construction loans Cetan Funds recently funded a multi-family rehab loan in Cottage Grove, Oregon. The borrowers had purchased this 17-unit apartment complex off-market at a heavily discounted price and their original plan was to gradually rehab the units using the cashflow of the rented units for funding. Unfortunately, they hit snags with the city, and it quickly became apparent that this was a much larger project than anticipated. The entire property needed to be vacated and renovated at once. Cetan Funds was able to help by quickly refinancing their existing debt and providing cash-out to fund the higher than expected rehab costs. This loan also included reserves to help with their cashflows while the property was vacant and under construction, and an option to extend the loan and potentially drop the interest rate once the rehab was done and most of the units were occupied. Renovations have finally started back up, and everyone is eager to see the finished product. These borrowers are excited to add significant value to this property sooner than they originally planned. This community needs decent, affordable housing. Cetan Funds is proud to be a funding partner on a project that will help provide exactly that. Loan Purpose Commercial Construction Location Cottage Grove, Lane County, Oregon Loan Terms $1,303,500 at 10. 5% interest only for 18 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a commercial bridge loan in Bend, Oregon. We were able to meet the borrower's needs with a customized commercial bridge loan. - Published: 2022-01-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/commercial-bridge-loan-in-bend-oregon/ - Categories: Past Projects - Tags: Bend commercial bridge loan, Bend commercial bridge loans, commercial bridge loan, commercial bridge loan in Bend, commercial bridge loans, commercial bridge loans in Bend Cetan Funds recently funded a commercial bridge loan in Bend, Oregon. The borrower owned a 40-acre parcel with a large shop and other facilities where he operated his business. He needed a lender who could close quickly, provide him cash-out to help fund the coming year's business operations and to provide funding for improvements to the property, including the installation of a well and a septic tank. We were able to meet his needs with a customized commercial bridge loan and provide him enough funding to achieve his goals while giving him the time he would need to get a more traditional refinance later from a local bank. Loan Purpose Commercial Bridge Location Bend, Deschutes County, Oregon Loan Terms $520,000 at 11% interest only on funds outstanding for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a land development loan in Albany, Oregon for a small subdivision. Learn more about how we helped cover their development costs. - Published: 2021-11-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/land-development-loan-for-small-subdivision-in-albany-oregon/ - Categories: Past Projects - Tags: Albany land development loan, Albany land development loans, land development loan, land development loan for small subdivision, land development loan for small subdivision in Albany, land development loans, loan for subdivision construction, loans for subdivision construction Cetan Funds recently funded a land development loan in Albany, Oregon for a small subdivision. This project is a partnership between an investor and a general contractor/homebuilder. Together they now own a lot that they are in the process of subdividing into 4 lots. This phase of the development includes planning, engineering and infrastructure installation costs. Once these "horizontal" improvements are done and the city of Albany approves their final plat, they plan to transition to building homes which they plan to sell upon completion. They're working with a local engineering firm and the project is progressing nicely. Cetan Funds provided them additional funding to cover some of these development costs. Loan Purpose Land Acquisition and Development Location Albany, Benton County, Oregon Loan Terms $245,000 at 12. 00% interest only on funds outstanding for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a duplex construction loan in Springfield, Oregon for a local real estate investment company. Learn more about this project. - Published: 2021-10-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/duplex-construction-loan-in-springfield-oregon/ - Categories: Past Projects - Tags: duplex construction loan, duplex construction loan in Springfield, duplex construction loans, duplex construction loans in Springfield, residential construction loan, residential construction loans, Springfield duplex construction loan, Springfield duplex construction loans Cetan Funds recently funded a duplex construction loan in Springfield, Oregon for a local real estate investment company. The investors plan to have the duplex built and rented within 6-8 months and will quickly seek more permanent financing upon completion. Cetan Funds offered these investors who elected to self-contract as the general contractors on the build the benefits of a very quick and streamlined underwriting and closing process, as well as a simple construction draw process without all the restrictions and documentation requirements of traditional construction financing from a bank. Fast, streamlined financing allows these investors to focus on getting their new investment property built and cash-flowing quickly, and move on to the next big project. Loan Purpose Residential Construction Location Springfield, Lane County, Oregon Loan Terms $340,000 at 11. 00% interest only on funds outstanding for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a commercial bridge loan in Eugene for a local business to acquire a residential property, previously used as a small school. - Published: 2021-09-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/commercial-bridge-loan-special-use-building-eugene-oregon/ - Categories: Past Projects - Tags: commercial bridge loan, commercial bridge loan Eugene, commercial bridge loan in Eugene, commercial bridge loans, commercial bridge loans Eugene, commercial bridge loans in Eugene, Eugene bridge loan, Eugene bridge loans, Eugene commercial bridge loan, Eugene commercial bridge loans Cetan Funds recently funded a commercial bridge loan in Eugene, Oregon for a local business to acquire a residential property that was previously used as a small, private elementary school. Given the classification of this property as a special-use asset, the commercial bank they were working with could not lend enough to make the deal happen. Cetan Funds was able to bridge the gap for them. The borrowers operate a company which offers support programs and classes for families with children with developmental disabilities or long-term financial hardships. This unique property was the perfect building to facilitate an expansion of this business. It consisted of two buildings, one former educational building with classroom space and plenty of storage, and one dwelling with great potential as a small assisted living or long-term care facility. Now this organization can continue to grow and provide a much needed service for families in need in our local community, improving their finances in the process and eventually securing a refinance into a more permanent commercial loan from the bank that referred the loan to us in the beginning. Loan Purpose Commercial Bridge Location Eugene, Lane County, Oregon Loan Terms $445,000 at 12. 00% interest for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a duplex bridge loan in Eugene, Oregon for an investor to quickly purchase a duplex just down the road from his primary residence. - Published: 2021-08-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/duplex-bridge-loan-eugene-oregon/ - Categories: Past Projects - Tags: duplex bridge loan, duplex bridge loan in Eugene, duplex bridge loans, duplex bridge loans in Eugene, Eugene bridge loan, Eugene bridge loans, Eugene duplex bridge loan, Eugene duplex bridge loans, residential bridge loan, residential bridge loans Cetan Funds recently funded a duplex bridge loan in Eugene, Oregon for an investor to quickly purchase a duplex just down the road from his primary residence. This property was a dream come true acquisition for this investor. Given its location, he would be able to self-manage the property and potentially turn one side of the property into a short-term rental/Airbnb. However, to buy the property he had to compete with several very interested cash buyers. To get his offer accepted he needed a lender like Cetan Funds who could close very quickly and work almost the same as cash. He escalated his offer price to make the winning bid, and we closed just a couple weeks later. He is now already in the process of refinancing to achieve long-term financing at a lower rate and almost immediate positive cashflow on his new investment property. Loan Purpose Residential Bridge Location Eugene, Lane County, Oregon Loan Terms $390,000 at 12. 00% interest for 9 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently provided funding for a subdivision construction loan in Sweet Home, Oregon. We are proud to partner with this ambitious builder. - Published: 2021-07-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/subdivision-construction-loan-sweet-home-oregon/ - Categories: Past Projects - Tags: residential construction loan, residential construction loans, subdivision construction loan, subdivision construction loan in Sweet Home, subdivision construction loans, subdivision construction loans in Sweet Home, Sweet Home subdivision construction loan, Sweet Home subdivision construction loans Cetan Funds recently provided funding for a new 46-lot subdivision construction loan in Sweet Home, Oregon. This loan will provide financing for the infrastructure and land development work as the builder installs roads and utilities. Additionally, the builder received special approval from the city to begin construction on the first home while the infrastructure is being installed. So, our loan also financed ground-up construction on Lot 1 with a commitment to fund a credit line for the simultaneous construction of up to 5 homes once they can get city approval to build on the remaining lots. The builder of this subdivision construction loan in Sweet Home has 5 house plans ranging from about 1,000 square feet up to 1,800 square feet. He plans to price each home reasonably so they sell quickly in this hot market where housing inventory is at record lows. We are proud to be a financing partner with this ambitious builder as he seeks to provide affordable housing to a community in need. Loan Purpose Residential Construction Location Sweet Home, Linn County, Oregon Loan Terms $2,160,000 at 11. 00% interest for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a loan for the purchase and rehab of a mixed-use commercial building in Portland, Oregon. Renovations are currently underway. - Published: 2021-06-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/purchase-and-rehab-of-mixed-use-commercial-building-in-portland-oregon/ - Categories: Past Projects - Tags: commercial building loan, commercial building loans, mixed-use commercial building loan, mixed-use commercial building loan in Portland, mixed-use commercial building loans, mixed-use commercial building loans in Portland, Portland commercial building loan, Portland commercial building loans Cetan Funds recently funded a loan for the purchase and rehab of a mixed-use commercial building in Portland, Oregon. This building is located on a main arterial in a rapidly growing area of Portland and is surrounded by bustling shops and restaurants. Our borrower purchased this distressed property at a discounted price and has plans for a complete remodel, building out a space for a hair salon tenant on the ground floor, an apartment on the second floor and rent out spaces on the side of the building for food truck stalls. Once stabilized with strong cashflows, the borrow will refinance with a commercial loan from a local bank or credit union. Renovations of this commercial building in Portland are underway, and we cannot wait to see the finished product. Loan Purpose Commercial Construction Location Portland, Multnomah County, Oregon Loan Terms $630,000 at 10. 00% interest for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a commercial bridge loan In Molalla, Oregon for the purchase of a quarry. Learn more about this project. - Published: 2021-04-30 - Modified: 2024-06-21 - URL: https://cetanfunds.com/commercial-bridge-loan-for-quarry-purchase-in-molalla-oregon/ - Categories: Past Projects - Tags: commercial bridge loan, commercial bridge loan in Molalla, commercial bridge loans, commercial bridge loans in Molalla, Molalla commercial bridge loan, Molalla commercial bridge loans Cetan Funds recently funded a commercial bridge loan in Molalla, Oregon for the purchase of a quarry. The buyers of the quarry had executed a lease-option to buy it at a heavily discounted price, but they discovered only a month before closing that they could not qualify at a bank due to mistakes their bookkeepers and CPA made. Without our bridge loan, the sellers would have backed out of the deal and sold to someone else. The new owner would have surely kicked our borrowers out of the quarry, forcing them to close the business. Cetan provided them a commercial bridge loan to complete the purchase and save their profitable business, giving them time to correct the errors in their books and tax returns. Once their financials are fixed, we’ll send them back to the bank that referred the loan to us for their permanent financing. Loan Purpose Commercial Bridge Location Molalla, Clackamas County, Oregon Loan Terms $2,100,000 at 12. 00% interest for 30 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded another spec home construction loan for residential ground-up construction of two new homes in St. Helens, Oregon. - Published: 2021-03-28 - Modified: 2024-06-21 - URL: https://cetanfunds.com/residential-ground-up-construction-in-st-helens-oregon/ - Categories: Past Projects - Tags: residential ground-up construction loan, residential ground-up construction loan in St. Helens, residential ground-up construction loans, residential ground-up construction loans in St. Helens, St. Helens residential construction loan, St. Helens residential construction loans Cetan Funds recently funded another spec home construction loan for residential ground-up construction of two new homes in St. Helens, just north of Portland, Oregon. The developer and his general contractor are building two new spec homes. With high-quality construction and high-end finishes, these homes will be near the top of a hill in a new subdivision development. The local market is incredibly strong right now as residents from the city of Portland migrate out of the city to the suburbs. Construction is progressing well despite recent spikes in material costs. The homes will be finished and listing sometime this summer. Loan Purpose Residential Construction Location St. Helens, Columbia County, Oregon Loan Terms $745,000 at 11. 00% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a residential bridge loan in Newport, Oregon. The borrower was a real estate broker and investor from California. - Published: 2021-02-28 - Modified: 2024-06-21 - URL: https://cetanfunds.com/residential-bridge-loan-in-newport-oregon/ - Categories: Past Projects - Tags: Newport residential bridge loan, Newport residential bridge loans, residential bridge loan, residential bridge loan in Newport, residential bridge loans, residential bridge loans in Newport Cetan Funds recently funded a residential bridge loan in Newport, Oregon. The borrower was a real estate broker and investor from California. This investor was buying the property at auction for a heavily discounted price but needed either all cash or a hard money loan. We quickly provided to funding so he could complete the purchase. After just a few minor repairs, this investor listed the property and sold it for a substantial profit, only holding it in his portfolio for a couple months. Loan Purpose Residential Bridge Location Newport, Lincoln County, Oregon Loan Terms $342,500 at 12. 00% interest for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a cash-out refinance on a farm near Eugene, Oregon. We also helped this business owner by consolidating his business debts. - Published: 2021-02-05 - Modified: 2024-06-21 - URL: https://cetanfunds.com/cash-out-refinance-commercial-bridge-loan-on-a-farm-near-eugene-oregon/ - Categories: Past Projects - Tags: cash-out refinance, cash-out refinance commercial bridge loan, cash-out refinance commercial bridge loans, cash-out refinance near Eugene, commercial bridge loan, commercial bridge loans, Eugene cash-out refinance Cetan Funds recently funded a cash-out refinance on a farm near Eugene, Oregon. The borrower was carrying a private note from the original sellers of the property for several years and this loan was coming due. Additionally, he had other business debts that needed to be consolidated. With the unusual nature of this farm property and its past use to grow cannabis plants, traditional lenders were not interested in helping the current owner refinance. Cetan Funds helped this business owner by providing a cash-out refinance, consolidating his debt obligations and giving him an additional two years to either qualify for bank financing or sell the property. Loan Purpose Commercial Bridge Location Eugene, Lane County, Oregon Loan Terms $200,000 at 11. 00% interest for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded another spec home construction in Sweet Home, Oregon. This builder is looking for a quick sale to collect his profits. - Published: 2021-01-05 - Modified: 2024-06-21 - URL: https://cetanfunds.com/spec-home-construction-loan-sweet-home-oregon/ - Categories: Past Projects - Tags: residential construction loan, residential construction loans, spec home construction loan, spec home construction loan in Sweet Home, spec home construction loans, spec home construction loans in Sweet Home, Sweet Home spec home construction loan, Sweet Home spec home construction loans Cetan Funds recently funded another spec home construction in Sweet Home, Oregon. This country style home sits on 2 acres with beautiful views of the countryside and farmland from the top of a small hill. The builder needed a fast, streamlined solution to get the home built quickly while the local real estate market remained very active and strong. With a little less than two weeks from application to funding, we timed it perfectly, providing him his first draw right after his permits were approved. With home now built and listed, he's looking for a quick sale to collect his profits. Loan Purpose Residential Construction Location Sweet Home, Linn County, Oregon Loan Terms $315,000 at 11. 00% interest for 9 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > We recently funded another fix and flip in Beaverton, Oregon. We funded 85% of the purchase price and 100% of the rehab costs. - Published: 2020-12-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/condo-fix-and-flip-beaverton-oregon/ - Categories: Past Projects - Tags: Beaverton fix and flip loan, Beaverton fix and flip loans, fix and flip loan, fix and flip loan in Beaverton, fix and flip loans, fix and flip loans in Beaverton, residential construction loan, residential construction loans Cetan Funds recently funded another fix and flip in Beaverton, Oregon, a suburb of Portland. This investor needed financing for a quick rehab project on a small condo. These condominiums are in very high demand, but many are outdated and in need of upgrades and renovations. Our client used our funding to purchase the property quickly and give it the new look it needed to get the highest possible market value on the resale. We funded 85% of the purchase price and 100% of the rehab costs. With an expert eye for interior design, she did a phenomenal job making this condo shine. It quickly sold for a nice profit for her. Loan Purpose Fix and Flip Location Beaverton, Washington County, Oregon Loan Terms $225,000 at 12. 00% interest for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a fix and flip in Medford, Oregon, which also included a small cluster subdivision. - Published: 2020-11-25 - Modified: 2024-06-21 - URL: https://cetanfunds.com/fix-and-flip-with-cluster-subdivision-in-medford-oregon/ - Categories: Past Projects - Tags: cluster subdivision construction loan, cluster subdivision construction loans, fix and flip loan, fix and flip loan in Medford, fix and flip loans, fix and flip loans in Medford, Medford fix and flip loan, Medford fix and flip loans Cetan Funds recently funded a fix and flip in Medford, Oregon, which also included a small cluster subdivision. The property was a large parcel with an existing home in disrepair. The borrowers, who are skilled contractors, will preserve small portions of the original house while doing a large addition, practically a rebuild. At the same time, they will be completing a partition of the property to create 3-4 new lots for future new home construction. The subdivision will include infrastructure improvements that Cetan will also fund after approvals from the city planning department. These borrowers will sell this fix and flip in Medford after it has been rebuilt and split off from the rest of the property. If all goes as planned they will be able to repay this Cetan loan with the sale of the house and own the remaining development free and clear. Cetan will then potentially help them with the construction financing for the new homes. Loan Purpose Fix and Flip Location Medford, Jackson County, Oregon Loan Terms $260,000 at 12. 00% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds provided a residential rehab loan to local real estate investors doing a project on a single-family home in Veneta, Oregon. - Published: 2020-11-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/residential-rehab-loan-veneta-oregon/ - Categories: Past Projects - Tags: residential construction loan, residential construction loans, residential rehab loan, residential rehab loan in Veneta, residential rehab loans, residential rehab loans in Veneta, Veneta residential rehab loan, Veneta residential rehab loans Cetan Funds provided a residential rehab loan to local real estate investors doing a project on a single-family home in Veneta, just west of Eugene, Oregon. When the borrowers purchased the property, it was in disrepair after years of neglect from the prior owners. Nearly the entire home needed to be renovated. These investors took the house down to the studs and turned this property into a beautiful country home with modern finishes. It quickly sold, making them a great profit on this fix and flip project. Loan Purpose Fix and Flip Location Veneta, Lane County, Oregon Loan Terms $230,125 at 10. 00% interest for 9 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a rental property bridge loan in Springfield, Oregon. We provided this investor a bridge loan in just a few days. - Published: 2020-09-02 - Modified: 2024-06-21 - URL: https://cetanfunds.com/rental-property-bridge-loan-springfield-oregon/ - Categories: Past Projects - Tags: rental property bridge loan, rental property bridge loan in Springfield, rental property bridge loans, rental property bridge loans in Springfield, residential construction loan, residential construction loans, Springfield rental property bridge loan, Springfield rental property bridge loans Cetan Funds recently funded a rental property bridge loan in Springfield, Oregon. The investor was in the process of buying another investment property. The bank financing the purchase of the other property was too slow and could not fund the loan before his closing deadline. The sellers of the other property were getting anxious and refused to extend the contract. Cetan Funds provided this investor a bridge loan against one of his other rental properties in just a few days. The cash-out refinance provided him enough funds to buy the other property with cash. Then about a month later he was successful in securing his bank financing and paid off the loan. Without this Cetan Funds residential bridge loan on his rental, he would have missed the opportunity to secure another investment at a great price. Loan Purpose Residential Bridge Location Springfield, Lane County, Oregon Loan Terms $125,000 at 10. 00% interest for 6 months When it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded an apartment complex rehab loan in Coquille, Oregon. Our borrower hired a great contractor that quickly rehabbed the facility. - Published: 2020-08-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/apartment-complex-rehab-coquille-oregon/ - Categories: Past Projects - Tags: apartment complex rehab loan, apartment complex rehab loan in Coquille, apartment complex rehab loans, apartment complex rehab loans in Coquille, Coquille apartment complex rehab loan, Coquille apartment complex rehab loans, multi-family construction loan, multi-family construction loans Cetan Funds recently funded an apartment complex rehab project in Coquille, Oregon. This multi-family purchase and rehab project included the renovation of 19 units formerly used as a senior living facility. The property was in need of major repairs with a collapsing front deck and walkways and very outdated features in the apartments. Our borrower hired a great contractor that rehabbed the entire facility in a matter of months. He was then able to increase rents on the apartments to market rates, thereby dramatically increasing the property value. He will soon be refinancing this loan into a lower interest commercial loan from a community bank. Loan Purpose Commercial Construction Location Coquille, Coos County, Oregon Loan Terms $600,000 at 10. 50% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds shares the Oregon Community Foundation’s vision of ‘a healthy, thriving, sustainable Oregon’. We proudly make our donation in support of their efforts. - Published: 2020-06-30 - Modified: 2024-07-07 - URL: https://cetanfunds.com/oregon-community-foundation/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, Oregon Community Foundation Founded in 1973, the Oregon Community Foundation (OCF) is a non-profit whose mission is to improve the lives of Oregonians through philanthropy. Gifts to the OCF are channeled via grants to a variety of community-based non-profits around the state. In reaction to the COVID-19 pandemic, they set-up a specific fund in April 2020, The Oregon Community Recovery Fund, to deploy funds to organizations on the front lines of dealing with the pandemic. As of August 2020, donors have contributed over $18 million and OCF has put those funds to work via donations to over 300 organizations. Cetan Funds shares the Oregon Community Foundation’s vision of ‘a healthy, thriving, sustainable Oregon’ and proudly make our donation in support of their efforts. The Cetan Funds Community Giving Program is our way to recognize local organizations that make a positive difference in our communities. --- > Cetan Funds recently funded a fix and flip in Grants Pass, OR. The loan funded the purchase and rehab of a distressed property owned by Fannie Mae. - Published: 2020-06-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/fix-and-flip-in-grants-pass-or/ - Categories: Past Projects - Tags: fix and flip, fix and flip construction, fix and flip loan, fix and flip loan in Grants Pass, fix and flip loans, fix and flip loans in Grants Pass, Grants Pass fix and flip loan, Grants Pass fix and flip loans Cetan Funds recently funded a fix and flip in Grants Pass, OR. The loan funded the purchase and rehab of a distressed property owned by Fannie Mae. The borrowers hired a licensed contractor to completely remodel the interior and clean-up and repair the exterior. The property will include a fully permitted ADU for additional value when the borrowers go to resell the property in a few months. Loan Purpose Fix and Flip Location Grants Pass, Josephine County Loan Terms $180,000 at 11. 99% interest for 6 months When it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a land development construction loan for the infrastructure of a 9-lot cluster subdivision in Eugene, OR. - Published: 2020-05-02 - Modified: 2024-06-21 - URL: https://cetanfunds.com/cluster-subdivision-in-eugene-or/ - Categories: Past Projects - Tags: Eugene land development construction loan, Eugene land development construction loans, land development construction loan, land development construction loan in Eugene, land development construction loans, land development construction loans in Eugene, land development loan, land development loans Cetan Funds recently funded a land development construction loan for the infrastructure of a 9-lot cluster subdivision in Eugene, OR. This project, helmed by an experienced local builder and repeat borrower of Cetan Funds, will ultimately lead to the build-out of 9 single-family townhomes. Loan Purpose Land Acquisition and Development Location Eugene, Lane County, Oregon Loan Terms $635,000 at 12% interest for 18 months  When it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Please consider joining Cetan Funds in supporting FOOD for Lane County and its mission to help those in the community get access to food. - Published: 2020-03-25 - Modified: 2024-07-07 - URL: https://cetanfunds.com/food-for-lane-county/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, FOOD for Lane County FOOD for Lane County (FFLC), founded in 1984, is a non-profit with a vision to eliminate hunger for children, seniors, people with disabilities, the working poor and the unemployed. In addition to food collection and distributions, they also work on public awareness, education and community advocacy to encourage long-term community-based solutions to end hunger. Their 60+ employees provide innovative programs throughout Lane County, including the urban the centers of Eugene and Springfield as well as the rural communities that cover 4,700 square miles. Nearly all of the food for FFLC is donated, nearly half coming from generous local businesses. They are members of both the Oregon Food Bank network and Feeding America, the national food bank collaborative. 92 cents of every dollar donated goes directly to programs that help fight hunger - that translates to three meals distributed for every dollar donated. Learn more about FOOD for Lane County here. The coronavirus pandemic has put an extra strain on the community and food resources as many local collection drives have been cancelled. In response, FOOD for Lane County has set-up the COVID-19 Emergency Response Fund. Please consider joining Cetan Funds in donating to this excellent nonprofit and its mission to help those in the community get access to food. The Cetan Funds Community Giving Program is our way to recognize local organizations that make a positive difference in our communities. --- > Cetan Funds recently funded a cash-out refinance a four-plex rehab in Monroe, Oregon. Work was completed on this property in a few short months. - Published: 2020-03-02 - Modified: 2024-06-21 - URL: https://cetanfunds.com/four-plex-rehab/ - Categories: Past Projects - Tags: four-plex rehab, four-plex rehab loan, four-plex rehab loan in Monroe, four-plex rehab loans, four-plex rehab loans in Monroe, Monroe four-plex rehab loan, Monroe four-plex rehab loans, residential rehab loan, residential rehab loans Cetan Funds recently funded a cash-out refinance for a four-plex rehab in Monroe, Oregon. The borrower had equity in this investment property and hired contractors to do cosmetic repairs and updates to all 4 units when they became vacant. Work was completed in a few short months, the property was fully rented shortly thereafter, and then the property owner sold the property to fulfill his goal of completing a 1031 exchange into an investment in California. Loan Purpose Fix and Flip Location Monroe, Benton County, Oregon Loan Terms $263,000 at 11. 99% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a forestland refinance near Creswell to provide cash-out to the land owner for business operations. - Published: 2020-02-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/forestland-refinance-near-creswell-or/ - Categories: Past Projects - Tags: cash-out refinance, cash-out refinance loan, cash-out refinance loans, forestland cash-out refinance, forestland refinance, forestland refinance loan, forestland refinance loans Cetan Funds recently funded a cash-out forestland refinance on over 750 acres near Creswell, Oregon. The borrower will be using the loan to purchase equipment for business operations and fund infrastructure improvements to one of the parcels. Eventually the land may be divided into smaller parcels and sold as valuable timberland with the potential for home sites. Cetan was able to provide the refinance the borrower needed quickly and efficiently so business operations were not delayed. Loan Purpose Land Acquisition and Development Location Creswell, Lane County, Oregon Loan Terms $275,000 at 9. 99% interest for 24 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > The Cetan Funds Community Giving Program is proud to support Court Appointed Special Advocates (CASA) of Lane County. - Published: 2019-12-25 - Modified: 2024-07-07 - URL: https://cetanfunds.com/casa/ - Categories: News and Events - Tags: Cetan Funds Community Giving Program, Court Appointed Special Advocates (CASA) Court Appointed Special Advocates (CASA), founded in 1995, is a non-profit focused on finding safe and permanent homes for children placed in the court and child welfare systems. Their CASA volunteers stand up for neglected children, strive to make sure that they don’t slip through the cracks and help them get to safety as quickly as possible. In the past 25 years they have helped 1000s of children in Lane County. Their important work includes researching the child’s current situation, making informed recommendations to the judge, and finding necessary services to assist the child. Perhaps most importantly, CASA helps give kids from troubled homes a brighter future. Read more about Court Appointed Special Advocates and please consider joining us in supporting this excellent nonprofit and its mission. The Cetan Funds Community Giving Program is our way to recognize local organizations that make a positive difference in our communities. --- > Cetan Funds recently financed a boutique hotel renovation in Lincoln City, OR. The hotel will be a unique destination for travelers. - Published: 2019-12-01 - Modified: 2024-06-21 - URL: https://cetanfunds.com/boutique-hotel-renovation-in-lincoln-city-or/ - Categories: Past Projects - Tags: boutique hotel renovation, boutique hotel renovation in Lincoln City, boutique hotel renovation loan, boutique hotel renovation loan in Lincoln City, boutique hotel renovation loans, boutique hotel renovation loans in Lincoln City, Lincoln City boutique hotel renovation loan, Lincoln City boutique hotel renovation loans Cetan Funds recently financed a boutique hotel renovation in Lincoln City, Oregon. The borrowers, who are experienced hotel operators, will renovate the property to make it a unique destination for visitors on the Oregon Coast. Cetan will also be working throughout the project to help line-up an SBA loan for their permanent financing. Loan Purpose Commercial Construction Location Lincoln City, Lincoln County Loan Terms $1,790,000 at 10. 99% interest for 18 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > The Cetan Funds Community Giving Program is proud to support Cornerstone Community Housing and their mission to prevent homelessness. - Published: 2019-09-30 - Modified: 2024-07-07 - URL: https://cetanfunds.com/cornerstone-community/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, Cornerstone Community Housing Since 1992 Cornerstone Community has been serving the Eugene-Springfield area by tackling the problem of affordable housing in two main ways. They build quality, affordable housing for people living on limited incomes and offer services that promote personal growth and economic independence. Through their Healthy Homes Program, they currently serve over 1,300 families. Their approach focuses on the needs of family, from the layout of their homes to design of common spaces like playgrounds and the emphasis on creating a safe place to live and a vibrant community. Their program doesn’t just stop with providing a roof over a family’s head; they offer on-site resources focused on health and wellness, food and nutrition, community development, youth development, and adult education. In 2017, they had over 2,000 visits to wellness programs, over 11,000 visits to food programs, over 2,800 visits to youth programs and nearly 2,500 visits to adult education programs. Cornerstone Community is preventing homelessness before it begins and building a foundation for adults and children to thrive. We applaud them for providing these valuable services for our community. Read more about Cornerstone Community and please considering joining us in supporting this excellent nonprofit and its mission. The Cetan Funds Community Giving Program is our way to recognize local organizations that make a positive difference in our communities. --- > Cetan Funds recently funded a duplex/condo bridge loan for a duplex to condo conversion project in Cannon Beach, Oregon. - Published: 2019-07-23 - Modified: 2024-06-21 - URL: https://cetanfunds.com/duplex-condo-bridge-loan-in-cannon-beach-or/ - Categories: Past Projects - Tags: duplex to condo bridge loan, duplex to condo bridge loans, duplex to condo conversion loan, duplex to condo conversion loans, duplex to condo loan in Cannon Beach, duplex to condo loans in Cannon Beach, duplex/condo bridge loan, duplex/condo bridge loans, residential bridge loan, residential bridge loans Cetan Funds recently funded a duplex/condo bridge loan for a borrower converting a duplex rental property into two condominiums. The borrower's existing lender would not allow the conversion and was not willing or able to see the increased value of having two condos rather than a duplex in this desirable location on the Oregon coast. Cetan funded the refinance of the property and provide a duplex/condo bridge loan until the conversion was complete. Upon completion of the necessary legal work for the conversion, the borrower plans to sell each unit to the existing tenants to net solid profits after recouping the legal costs. Loan Purpose Residential Bridge Location Cannon Beach, Clatsop County Loan Terms $650,000 at 11% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > The Cetan Funds Community Giving Program is proud to support Homes for Good and their mission to help individuals find affordable housing. - Published: 2019-06-30 - Modified: 2024-07-07 - URL: https://cetanfunds.com/a-gift-for-homes-for-good/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, Homes for Good Homes for Good is a Lane County housing agency that helps people with low or no incomes find homes. They have been doing this since 1949, providing Section 8 vouchers, building and managing affordable housing, and connecting people with housing services. (Prior to 2017 they were known as Housing and Community Services Agency of Lane County or HACSA). They have achieved an impressive record of statistics and exemplify what Cetan Fund’s Community Giving Program is about – supporting groups who are good neighbors and that are focused on doing good for the community. Affordable housing is an important problem to solve and we are happy to support Homes for Good in this effort. Read more about Homes for Good and join us in supporting this wonderful, new nonprofit in Eugene. The Cetan Funds Community Giving Program is our way to recognize local organizations that make a positive difference in our communities. --- > Cetan Funds recently funded this commercial refinance in Springfield, Oregon. The owner needed to cash-out equity, but could not qualify at banks. - Published: 2019-06-10 - Modified: 2024-06-21 - URL: https://cetanfunds.com/commercial-refinance-springfield/ - Categories: Past Projects - Tags: commercial refinance, commercial refinance in Springfield, commercial refinance loan, commercial refinance loan in Springfield, commercial refinance loans, commercial refinance loans in Springfield, Springfield commercial refinance, Springfield commercial refinance loan, Springfield commercial refinance loans Cetan Funds recently funded a commercial refinance in Springfield, OR. This loan provided the owner some cash-out to fund renovations on another investment property and pay-off another debt. His company, which owns several buildings in the area, had sufficient rental cash flow to cover the debt payments. Cetan will provide a 3-year loan to give this investor time to fully stabilize his commercial properties in order to qualify for conventional permanent financing at a bank. Loan Purpose Commercial Bridge Location Springfield, Lane County Loan Terms $310,000 at 10% interest for 36 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded an investment property bridge loan in Portland, Oregon. This loan was a refinance that we funded when other lenders wouldn't. - Published: 2019-05-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/investment-property-bridge-loan-portland-or/ - Categories: Past Projects - Tags: investment property bridge loan, investment property bridge loan in Portland, investment property bridge loans, investment property bridge loans in Portland, Portland bridge loan, Portland bridge loans, Portland investment property bridge loan, Portland investment property bridge loans Cetan Funds recently funded an investment property bridge loan in Portland, OR. This loan was a refinance on a new build for a very active investor with a large portfolio. This single family property with a basement accessory dwelling unit was 95% complete, with only simple finishing touches required prior to receiving an occupancy permit. Other private lenders required he complete the house prior to refinancing. Our borrower was under contract on another investment property in Washington, but that contract's closing deadline was going to pass prior to having this Portland property completed. We provided the refinance he needed, after verifying his contractors were on schedule to complete the property. Additionally, our borrower is placed with a mortgage broker lining up his conventional refinance for when this home is finished and fully leased. Loan Purpose Residential Bridge Location Portland, Multnomah County Loan Terms $437,500 at 12% interest for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded this Salem multi-family bridge loan. This loan on a 10-unit apartment complex helped the owners quickly cash-out some equity. - Published: 2019-03-30 - Modified: 2024-06-21 - URL: https://cetanfunds.com/salem-multi-family-bridge-loan/ - Categories: Past Projects - Tags: multi-family bridge loan, multi-family bridge loan in Salem, multi-family bridge loans, multi-family bridge loans in Salem, multifamily bridge loan, multifamily bridge loans, Salem multi-family bridge loan, Salem multi-family bridge loans Cetan Funds recently funded a multi-family bridge loan for the owners of a property in Salem, OR. This second-lien cash-out refinance helped these investors get the capital they needed to purchase another investment property in California. They will either sell the property or seek a refinance from a conventional source within the next 6-9 months. Loan Purpose Commercial Bridge Location Salem, Marion County Loan Terms $215,000 at 14% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > The Cetan Funds Community Giving Program is proud to support the Cascades Raptor Center and pay homage to the spirit animal of our company. - Published: 2019-03-15 - Modified: 2024-07-07 - URL: https://cetanfunds.com/a-gift-for-the-cascades-raptor-center/ - Categories: News and Events - Tags: Cascades Raptor Center, Cetan Funds, Cetan Funds Community Giving Program, Community Giving In 2017, we made our inaugural Community Giving donation to the Cascades Raptor Center, paying homage to the spirit animal of our company (Cetan is the word for ‘hawk spirit’ in Lakota mythology). This winter they need donations more than ever as the heavy February winter snow storms that dumped 28” inches of snow badly damaged aviaries and other parts of their facility. Luckily no birds were harmed. We are happy to make a gift again and encourage others to do so as well, our small part to help the Raptor Center make a speedy recovery. The Cetan Funds Community Giving Program is our way to recognize local organizations that make a positive difference in our communities. --- > Cetan Funds recently funded the construction of a spec home in Silverton, OR, in a popular new subdivision. This builder plans to have it sold in 9 months. - Published: 2019-01-30 - Modified: 2024-06-21 - URL: https://cetanfunds.com/spec-home-silverton-or/ - Categories: Past Projects - Tags: residential construction loan, residential construction loans, Silverton spec home loan, Silverton spec home loans, spec home construction loan, spec home construction loans, spec home loan, spec home loan in Silverton, spec home loans, spec home loans in Silverton Cetan Funds recently funded the construction of a spec home in Silverton, Oregon. The builder will be building a moderate to high-end single family home in a new and popular subdivision. This borrower needed to purchase the lot and fund construction. He had an unencumbered rental property in his portfolio, which we were able to use as additional collateral to give him a higher advance with lower rates and fees. Interest is only charged on our borrower's outstanding balance or draw schedule, giving him further interest savings as he gradually draws down his financing as the work is completed on this spec home in Silverton. Loan Purpose Residential Construction Location Silverton, Marion County Loan Terms $355,000 at 10% interest for 12 months  When it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a spec home construction in a new Sweet Home subdivision providing upscale housing to this growing community. - Published: 2018-11-15 - Modified: 2024-06-21 - URL: https://cetanfunds.com/spec-home-construction/ - Categories: Past Projects - Tags: residential construction, residential construction loan, residential construction loans, spec home construction, spec home construction in Sweet Home, spec home construction loan, spec home construction loan in Sweet Home, spec home construction loans, spec home construction loans in Sweet Home, Sweet Home spec home construction, Sweet Home spec home construction loan, Sweet Home spec home construction loans Cetan Funds recently funded a spec home construction loan in Sweet Home, Oregon. The builder will be building a spacious home with high-end finishes to eventually refinance and hold as a rental in a new subdivision. The homes in this subdivision overlook a beautiful reservoir and provide new housing to a growing number of local residents seeking upscale homes. Loan Purpose Residential Construction Location Sweet Home, Linn County Loan Terms $285,000 at 13% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded this Southern Oregon fix and flip loan, helping an investor purchase and rehab the property for the eventual sale at a profit. - Published: 2018-10-28 - Modified: 2024-06-21 - URL: https://cetanfunds.com/southern-oregon-fix-and-flip/ - Categories: Past Projects - Tags: fix and flip, fix and flip in Southern Oregon, fix and flip loan, fix and flip loan in Southern Oregon, fix and flip loans, fix and flip loans in Southern Oregon, residential construction loan, residential construction loans, Southern Oregon fix and flip, Southern Oregon fix and flip loan, Southern Oregon fix and flip loans Cetan Funds recently funded a Southern Oregon fix and flip loan for the purchase and rehab of a single-family home in the hills of East Medford. Prior to contacting Cetan Funds, the investor ran into funding troubles with another lender. Cetan Funds was able to finance a portion of the purchase price, the full rehab budget and an interest reserve to cover payments during the construction period. The borrower will soon sell the property for a significant profit. Loan Purpose Fix and Flip Location Medford, Jackson County Loan Terms $185,000 at 12. 5% interest for 12 months When it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > The Cetan Funds Community Giving Program proudly supports ElRod Center, a nonprofit fighting the mental health crisis among our youth. - Published: 2018-10-12 - Modified: 2024-07-07 - URL: https://cetanfunds.com/elrod-center/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, ElRod Center At Cetan Funds we are proud to announce our donation to ElRod Center as part of our Community Giving Program. ElRod Center is a nonprofit organization offering a variety of services that utilize the healing power of artistic expression, play and therapeutic intervention. ElRod's co-founder, Julie Nowacki, endured tragedy when a very close family member named Rod suffered from mental illness and took his own life. This tragic event inspired Julie to address the mental health crisis nationwide and especially in our own community. Her vision was to implement a safe place where kids of all ages experiencing emotional trauma could come and express themselves for emotional healing and processing. ElRod Center's licensed counselors and accomplished artists are all coming together for one glorious mission... to love and heal every child and adolescent’s heart, mind and spirit! The Cetan Funds Community Giving Program is our way recognizing local organizations that make a positive difference in our communities. Read more about ElRod Center and join us in welcoming and supporting this wonderful, new nonprofit in Eugene. --- > Cetan Funds recently funded an acquisition and development loan for the purchase of a large parcel to create a new subdivision. - Published: 2018-10-04 - Modified: 2024-06-21 - URL: https://cetanfunds.com/acquisition-development-loan/ - Categories: Past Projects - Tags: Acquisition and Development Loan, Acquisition and Development Loans, Cetan Funds, Land Acquisition and Development, Land Acquisition and Development Loan, Land Acquisition and Development Loans, Subdivision Loan, Subdivision Loans Cetan Funds recently funded an acquisition and development loan for the purchase of a large parcel recently annexed by the city of West Linn, Oregon, to create a new subdivision. The investors needed a bridge loan to purchase the land and go through the subdivision process with the city of West Linn. Once this subdivision is complete with final plat approval, the investors have a home builder lined up to buy the land for the construction of new high-end homes for West Linn. Loan Purpose Land Acquisition and Development Location West Linn, Multnomah County Loan Terms $1,330,000 at 12% interest for 12 months When it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a rental property purchase in The Dalles, Oregon. The buyers needed short-term financing fast and we closed the deal. - Published: 2018-09-21 - Modified: 2024-06-21 - URL: https://cetanfunds.com/rental-property-purchase/ - Categories: Past Projects - Tags: Cetan Funds, Rental Property Purchase, Rental Property Purchase Loan, Residential Loan, Residential Loan The Dalles, Residential Loans, Residential Loans The Dalles Cetan Funds recently funded a rental property purchase in The Dalles, Oregon. The buyers needed a bridge loan due to personal circumstances and also had a short time-frame to close. We were able to give them the financing they needed so that they could acquire the property, get it rented and soon qualify for a refinance and a more permanent financing solution. Loan Purpose Residential Bridge Location The Dalles, Wasco County Loan Terms $350,000 at 12% interest for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds recently funded a triplex construction project in Newport, Oregon, with a short-term residential construction loan. - Published: 2018-07-31 - Modified: 2024-06-21 - URL: https://cetanfunds.com/triplex-construction/ - Categories: Past Projects - Tags: Cetan Funds, Newport Residential Construction Loan, Newport Residential Construction Loans, residential construction, residential construction loan, residential construction loans, Triplex Construction, Triplex Construction Loan, Triplex Construction Loans Cetan Funds recently funded a triplex construction project in Newport, Oregon. The finished units will be three stories featuring ocean views, private rooftop terraces and high-end finishes. The builder plans to seek permanent financing once this triplex construction is complete to hold the units as rentals. Loan Purpose Residential Construction Location Newport, Lincoln County Loan Terms $635,000 at 12% interest for 12 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > Cetan Funds will give a gift for the Relief Nursery. Our Community Giving Program recognizes local organizations positively impacting our community. - Published: 2018-07-25 - Modified: 2024-07-07 - URL: https://cetanfunds.com/relief-nursery/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, Relief Nursery Cetan Funds is proud to announce we will be donating a gift for the Relief Nursery as part of our Community Giving Program. For more than 40 years, Relief Nursery has been serving high-risk, low income families with our innovative and effective programs: therapeutic early childhood classes, parent education programs, outreach and crisis response, mental health counseling, alcohol and drug recovery support, transportation services and more. In fact, each year we serve more than 1,000 children and families right here in our communities. Our family support services build resiliency in both parents and children by tapping their strengths and helping them overcome obstacles. Relief Nursery’s model started here in Eugene in 1976. Today, there are 31 Relief Nurseries across Oregon working to strengthen families and keep children safe. All services are provided free of charge. The Cetan Funds Community Giving Program is our way recognizing local organizations that make a positive difference in our communities. Visit Relief Nursery for more information. --- > As part of the Cetan Funds Corporate Giving Program, the Cetan Funds Saint Vincent de Paul donation helps fulfill our mission of giving back. - Published: 2018-04-02 - Modified: 2024-07-07 - URL: https://cetanfunds.com/saint-vincent-de-paul-donation/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, Saint Vincent de Paul Saint Vincent de Paul (SVDP) is Lane County’s largest nonprofit human services organization. It was founded in 1953 and today helps over 84,000 people annually. Their mission is to assist the poor and those in need of consolation while being mindful of the sanctity and dignity of all. They focus on six core areas: Affordable Housing, Emergency Services, Homeless Services, Recycling Programs, Retail Thrift Stores, and Self-Sufficiency Services. The Cetan Funds Community Giving Program is our way recognizing local organizations that make a positive difference in our communities. Visit St Vincent de Paul for more information. --- > We are proud to present a gift to Womenspace. We look forward to continuing our partnership with them in support of families affected by domestic violence. - Published: 2018-01-02 - Modified: 2024-07-07 - URL: https://cetanfunds.com/womenspace/ - Categories: News and Events - Tags: Cetan Funds, Cetan Funds Community Giving Program, Community Giving, Womenspace For more than forty years, Womenspace has been providing programs that empower individuals and communities working to end intimate partner violence in Lane County, Oregon. Each year Womenspace directly serves approximately 3,200 survivors and another 3,000 through their crisis line. They provide survivors the resources they need to stay safe when fleeing immediate danger, to stabilize their lives, to heal from trauma, and to support a life free from fear and abuse. With the help of donations from supporters such as Cetan Income Fund, they will continue to offer survivors the chance to transform their lives and maybe, for the first time, believe in a better tomorrow. In Womenspace, we are graciously reminded of how dedicated and supportive our community is to its families in need. We look forward to continuing our partnership with them in support of the many families affected by domestic violence. The Cetan Funds Community Giving Program is our way recognizing local organizations that make a positive difference in our communities. Visit Womenspace for more information. --- > Cetan Funds recently funded a storage facility expansion in Eugene, Oregon. a perfect example of a smart commercial construction loan from Cetan. - Published: 2018-01-01 - Modified: 2024-06-21 - URL: https://cetanfunds.com/storage-facility-expansion/ - Categories: Past Projects - Tags: Cetan Funds, commercial construction loan, commercial construction loans, Eugene Commercial Construction, Eugene Commercial Construction Loan, Eugene Commercial Construction Loans, Ground-Up Commercial Construction Loan, Ground-Up Commercial Construction Loans, Ground-Up Construction Loan, Ground-Up Construction Loans, Storage Facility Expansion Cetan Funds recently funded a storage facility expansion in Eugene, Oregon. We financed the ground-up construction and the project added 22 new RV-size storage units to the existing facility. After construction was complete, the project stabilized and was successfully refinanced with a commercial loan from a local bank. Loan Purpose Commercial Construction Location Eugene, Lane County Loan Terms $650,000 at 10% interest for 18 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > As part of the Cetan Funds Corporate Giving program, Cetan Funds will make a donation to Cascades Raptor Center to honor this great organization. - Published: 2017-10-05 - Modified: 2024-09-10 - URL: https://cetanfunds.com/cascades-raptor-center/ - Categories: News and Events - Tags: Cascades Raptor Center, Cetan Funds, Cetan Funds Community Giving Program, Community Giving The Cascades Raptor Center is a nature center and wildlife hospital in Eugene, Oregon that specializes in raptor rehabilitation. Our company name, Cetan, comes from the Lakota word meaning ‘hawk spirit’. We feel that we can pay homage to these amazing raptors and help preserve their legacy for the future by honoring this great organization and everything it does to support hawks and other raptors in the wild. We sponsored an impressive Ferruginous Hawk named Eowyn. The Cetan Funds Community Giving Program is our way recognizing local organizations that make a positive difference in our communities. Visit the Cascades Raptor Center for more information. --- > Cetan Funds recently helped finance a residential land purchase to help a local builder acquire a lot for future development or resale. - Published: 2017-04-01 - Modified: 2024-06-21 - URL: https://cetanfunds.com/residential-land-purchase/ - Categories: Past Projects - Tags: Bend Residential Construction, Bend Residential Construction Loan, Bend Residential Construction Loans, Cetan Funds, residential construction loan, residential construction loans, Residential Land Loan, Residential Land Purchase, Residential Lot Loan, Residential Lot Purchase Cetan Funds recently funded the acquisition of a residential lot for a local builder. The financing we provided for this purchase will give this builder the time he needs to decide whether to sell the land or build it out. Loan Purpose Land Acquisition and Development Location Bend, Deschutes County Loan Terms $135,000 at 10% for 6 monthsWhen it comes to funding for your next project, we're here to help. Reach out to us today to learn more about how we can help you build wealth through real estate. --- > With the launch of our website, Cetan Funds is officially open and proud to begin offering smart real estate loans for businesses. - Published: 2017-03-23 - Modified: 2024-07-29 - URL: https://cetanfunds.com/cetan-funds-opens/ - Categories: News and Events - Tags: Cetan Funds, Private Real Estate Lender, Private Real Estate Loans, Real Estate Lender, Real Estate Loans, Real Estate Loans for Businesses, Smart Real Estate Loans With the launch of our website, CetanFunds. com, we are pleased to announce that we are officially open and proud to begin offering smart real estate loans for businesses in Lane County and greater Oregon. Our mission is simple: to be the premier private capital lender for Oregon real estate developers, builders, small businesses and residential housing investors. How will we do that? By mixing modern technology with old-fashioned borrower-centric service. Loan application and processing are done securely online and much of it can be done from your smartphone. Prospective borrowers can learn about our loan products on our website and may contact us with questions using our online forms. You won’t find any red tape here. One of the principals will follow-up quickly, leveraging our 40+ years lending and real estate development in Oregon, and work with you to find the best solution for your loan needs. We call it the Cetan Funds Advantage. Our loan capital is provided by Cetan Income Fund, a pool of accredited investors eager to earn superior returns from Oregon’s thriving real-estate market. Here, too, we mix modern technology with commonsense investor-centric service. Check your balances at any time from your smartphone or use it to call or email Investor Relations. We’ll get back to you promptly. We’re excited to do our part as a private lender to help our community of small businesses, real estate developers and income property investors, grow and become successful. We also believe in giving back to the community... --- --- ## Projects ---