Need a Fix & Flip Loan?
Close in 48 hours. No appraisals. No bank red tape. Funding for flips, BRRRRs, rentals & new construction.
Get Pre-Approved in 60 Seconds
How It Works
Tell Us About Your Deal
It takes less than 60 seconds. Submit basic info about the property, your goal, and contact details — no credit pull required.
Get Matched With Funding
We’ll review and respond fast.
Our lending team will match you with the best-fit loan program for your flip, BRRRR, or rental.
Close in as Little as 48 Hours
No bank red tape.
Skip the appraisals and delays — we’ll get you funded fast so you can focus on the project.
Eligibility Criteria
Value-add financing (Fix & Flip)
Credit Score
600+ FICO required. Flexible on credit and borrower experience with strong deals.
Max Loan Ratios
Up to 90% Loan-to-Cost (LTC) and up to 75% After Repair Value (ARV), depending on experience.
Loan Term
12–18 months with interest-only payments. Extensions available. No prepayment penalties.
Loan Amount
$100,000 – $3,000,000+ per property. Higher amounts considered case-by-case.
Property Value
Minimum purchase price or as-is value of $100,000. Stronger leverage available in key markets.
Property Type
Single-family (1–4 units), condos, townhomes, and small multifamily up to 8 units. No rural or mobile homes.
Prepay Penalty
None. Pay off anytime during the loan term with no fees.
Location
Urban or suburban areas only. Rural locations not eligible. Most U.S. states supported.
Purpose
Short-term loans for investors acquiring, renovating, and flipping properties.
Minimum Liquidity
Minimum ~$25,000 in reserves. Must cover down payment, closing costs, 3 months of payments, and 15–20% of rehab budget.
Eligibility Criteria
Long Term Rental Financing
Credit Score
680+ FICO preferred. Borrowers with strong income or asset profiles may qualify with lower scores.
Max Loan Ratios
Up to 80% Loan-to-Value (LTV) for purchases and 75% LTV for cash-out refinances. Based on property DSCR and borrower profile.
Loan Term
30-year fixed or 30-year amortized with 5/7/10-year interest-only options. No balloon payments.
Loan Amount
$75,000 to $2,000,000 per property. Portfolios and higher-value properties considered on a case-by-case basis.
DSCR Requirement
Minimum Debt Service Coverage Ratio of 1.00+ required. Higher DSCRs yield better pricing and leverage.
Property Type
Single-family, condos, townhomes, and 2–8 unit multifamily properties. No mobile homes or rural assets.
Prepayment Penalty
3-year standard step-down (3%, 2%, 1%). Options to buy down or waive with rate adjustments.
Location
Properties must be in metropolitan or suburban areas with investor demand. Rural properties typically ineligible.
Purpose
Designed for investors building long-term wealth through rental income. Ideal for buy-and-hold and BRRRR strategies.
Minimum Liquidity
At least 6 months of reserves required post-closing. May include cash, stocks, or retirement funds.
FAQs
Frequently Asked Questions
How much do I need to put down for a loan?
- For Fix & Flip: Minimum of 10% down based on total project costs (purchase + rehab).
- For BRRRR: 10-15% down depending on exit strategy.
- For DSCR Rentals: Typically 20% down, subject to property and market.
- For Short-Term Rentals: Minimum 20% down.
Do you do a hard credit pull?
We only do hard pulls for rental loans after you’ve accepted an offer and once the loan is in underwriting. We use soft pulls for short-term financing.
What are your credit score requirements?
- Fix & Flip / BRRRR: No minimum FICO. These are asset-based loans.
- Long-Term Rentals: 600+ FICO.
- Ground-Up Construction: Experience and credit reviewed case-by-case.
Do you require an appraisal?
We do not require appraisals to close on Fix & Flip loans. Appraisals are ordered post-close. For rental loans and BRRRR refinance, appraisals are required.
How quickly can you close?
As fast as 48 hours for hard money loans (Fix & Flip, BRRRR, Construction) if all documents are ready. DSCR and rental loans typically close in 7-14 days.
What documents do I need to provide?
- Purchase contract
- Scope of work
- Budget
- Permits (if applicable)
- LLC docs and EIN for entity loans
- Bank statements to verify liquidity
Do you charge prepayment penalties?
- Fix & Flip and Bridge Loans: No prepay penalties.
- DSCR Rental Loans: Yes, typically a 3-5 year step-down prepay.
Can I add a partner if I don’t meet the credit or liquidity criteria?
Yes. You can bring on a partner to meet the underwriting guidelines. Must be reflected in the operating agreement and/or loan application.
Do I need to close in an LLC?
Yes. We require all business-purpose loans to close in an LLC with an established EIN. We also require a personal guaranty.
What are the benefits of doing a portfolio loan?
Portfolio loans allow you to combine multiple properties into a single loan for easier management, improved terms, and streamlined closings.
Do you lend at auction?
We do not lend at the auction directly. However, we can close immediately after you win the auction.
How fast can I access funds for construction or draws?
Draws are funded in 1-3 days after inspection approval. Interest is only charged on funds disbursed.
Do you require insurance?
Yes. All properties must have hazard insurance in place at closing. Title insurance is also required.
What properties do you lend on?
- Fix & Flip: 1-4 units, condos, townhomes, small multifamily.
- Rental/DSCR: 1-8 units. Condos with HOA are accepted.
- No mobile or rural properties unless specifically approved.
Do you allow short-term rentals (Airbnb/STR)?
Yes. We finance both acquisitions and refinances of STR properties. We use average nightly rates and AirDNA data in underwriting.
Do you offer 100% financing?
We offer up to 90% Loan to Cost and 75% Loan to ARV. If you're using gap funding (e.g. private lenders), we can structure 100% financing, subject to approval.
Do you lend in rural areas?
Only on a case-by-case basis. Most products are limited to urban and suburban markets with a population of 75,000+.
What markets do you lend in?
We lend nationwide except for:
- Fix & Flip: Not available in LA, MN, MO, NV, NY, SD, ND, Baltimore, Detroit, Inner City NJ
- DSCR: Available in most states except ND and SD
What are your terms?
- Fix & Flip: 9.99% - 11.99% interest-only for 12-18 months
- DSCR: 30-year fixed and 5/1 ARM options, rates starting at ~7%
What is a Point?
A point is a one-time fee equal to 1% of the loan amount, charged at closing.
How is DSCR calculated?
DSCR = Monthly Rent ÷ PITIA (Principal, Interest, Taxes, Insurance, HOA). Most DSCR loans require a DSCR of 0.75+.
Do you finance projects under an individual name?
We require business-purpose loans to be under an LLC. Ownership must be clearly documented. At least 25% of the LLC must be owned by guarantors.
What are the most common reasons loans get denied?
- Insufficient liquidity
- Poor or unverifiable credit
- Undocumented rehab scope
- Incomplete LLC docs
- Unrealistic ARV projections
What loan types do you offer?
- Fix & Flip
- BRRRR (Cash-Out and Rate-Term)
- New Construction
- DSCR Rentals
- Short-Term Rental Loans
- Portfolio Loans
CONTACT
loans@capitalpartnerloans.com
(843) 410-8441
ADDRESS
472 Meeting St
Charleston, SC
29403