The financing you need to move
forward with your real estate goals
is waiting for you.
Loan Programs
Private Capital Lending offers a diverse selection of hard money loans in all 50 states. No matter where you are located and what type of real estate project you are looking to finance, we can match you with the loan program which will help you to achieve your goals.
Fix & Flip • Cash-Out Refinance • New Construction • Commercial • Rental
- 90% LTV/100% of Rehab
- Up to 75% ARV
- Quick Closings
- 12-24 Month Terms
- Rates starting at 7.99%
- Loans up to $10,000,000
- 620 Minimum Credit Score*
- Forclosure Bailouts
- Bank REOs/Short Sales
- 1-4 Family Residential
- Mixed-Use & Commercial Properties
- Nationwide Coverage
- Quick Closing
- Non Owner-Occupied Properties Only
*Exception maybe granted on a deal-by-deal basis
Lending Criteria | Fix and Flip | Rental Property |
|---|---|---|
| Max Loan-to-Value Ratio | 90% LTV of Purchase 100% Rehab 75% Rate & Term Refinance 70% Cash Out Refinance | 80% Purchase 80% Rate and Term Refinance 75% Cash Out Refinance |
| Ground Up Construction | 75% Land Acquisition 100% Construction | N/A |
| Rates Starting At | 9.99% | 7.25% |
| Loan Term | 12-24 Months | 360 Months |
| Minimum Loan Amount | $100,000 – $10,000,000 | $100,000 – $5,000,000 |
| Property Type | Residential, Multifamily Mixed-Use, Commercial | Residential, Multifamily Mixed-Use |
Lending Criteria
| Fix and Flip |
|---|
| Max Loan-to-Value Ratio 90% LTV of Purchase 100% Rehab 75% Rate & Term Refinance 70% Cash Out Refinance |
| Ground Up Construction 75% Land Acquisition 100% Construction |
| Rates Starting At 7.99% |
| Loan Term 12-24 Months |
| Minimum Loan Amount $100,000 – $10,000,000 |
| Property Type Residential, Multifamily Mixed-Use, Commercial |
| Rental Property |
|---|
| Max Loan-to-Value Ratio 80% Purchase 80% Rate and Term Refinance 75% Cash Out Refinance |
| Ground Up Construction N/A |
| Rates Starting At 3.875% |
| Loan Term 360 Months |
| Minimum Loan Amount $100,000 – $5,000,000 |
| Property Type Residential, Multifamily Mixed-Use |
We Offer These Nationwide Loan Programs
Fix & Flip Loans
With a fix & flip loan, you can get the rapid financing you need to purchase a property, turn it around, and resell it within a short timeframe. We can finance up to 90% LTV of the purchase price and up to 100% of the rehab cost.
12 or 24-Month Loan Terms
Get short-term financing when you need it. With these loans, you can pay your loan off on a schedule which is right for you without worrying about the prepayment penalties.
Purchases
We offer a variety of real estate purchase loans which you can use to buy a wide range of properties.
New Construction
Build a new residential or commercial property using one of our construction loans. We can provide up to 75% financing for land acquisition and up to 100% of construction cost.
Cash-Out Refinancing
Get the cash you need in less than 10 days to consolidate debt or purchase a new property. Receive cash out up to 70% LTV for residential, mixed use and commercial properties.
Rental Property Loans
We offer 30 year term loans for investors for 1-4 family homes, mixed use, multi family and condominiums. 80% LTV for purchases and cash out refinance rates start as low as 5.5%.
Mixed Use Properties
Purchase or refinance mixed use properties. We offer competitive rates and can close in as little as 10 days.
Multi Family Financing
Our multi-family financing products make it a breeze to move quickly on a valuable apartment complex. We also offer multi-family construction loans if you plan to build an apartment complex from the ground up.
Commercial Loans
For every commercial real estate need, we offer an assortment of lending products. Whether you need to purchase real estate, refinance a building, construct new property, or buy a vacant lot, we can offer a solution for every timeframe and scenario.
Permanent Financing
While many of our commercial lending products are short-term in nature, we do offer permanent financing for those who are looking for a long-term lending solution. Loan terms of up to 30 years are available.
Apply for Fast, Flexible Financing For Your Project Now
The financing you need to move forward with your real estate goals is waiting for you. Whether you need help choosing a loan product or you are ready to apply now, please email info@privatecaplending.com or call (877) 689-0696 to get started. We look forward to working with you.