Saldino Group is a Passaic, New Jersey Hard Money Lender. They offer Hard Money Loans, Commercial Hard Money Loans and Commercial Loans and Construction Loans. They loan from $50K to $5 million, both investor and owner-occupied properties are acceptable, traditional and non-traditional properties are also acceptable, 15-, 20-, 25- and 30-year Fixed Rates, 75% LTV, 80% CLTV, Conventional Rates, Interest Only Loans Available, Cash Out up to 80% of Appraised Value, Fixed Declining Prepayments, Minimal Impound Reserves, Non-Recourse and Recourse Loan Options, Two Years of Income Required and Low Minimum 1.3 DSCR.